Why Your Youth League Needs Two Insurance Policies (Not Just One)

Every league has that one story. The one that starts with excitement and ends with a legal mess.

For one of our clients, it was opening weekend. The field looked great. The weather was perfect. Parents lined the sidelines with folding chairs and water bottles. But then, in the third inning, a routine pop fly turned into a fractured wrist for a 9-year-old outfielder. And to make matters worse, a grandmother slipped on the uneven gravel walking to her seat and broke her ankle.

That league thought their Excess Accident Medical policy covered everything. It didn’t. They had no General Liability coverage. And suddenly, their excitement turned into paperwork, phone calls, and legal bills.

This isn’t just one story. It happens more than most people think.

If you’re running a youth baseball, softball, or tee-ball league, you don’t just need insurance. You need the right insurance. And that means having both Excess Accident Medical and General Liability coverage before the season starts.

Here’s why.

Excess Accident Medical insurance is there for your players, coaches, and volunteers. When someone gets hurt, this policy helps cover medical costs. It works as excess coverage, kicking in after a family’s primary health insurance. Crucially, if the injured party does not have medical insurance, the Excess Accident Medical policy becomes the primary payer. This provides peace of mind to every parent in the stands: they know you’ve planned for the worst.

But General Liability insurance is the policy that protects your league itself. It covers the players, coaches, and volunteers. If there’s a lawsuit, this coverage defends your league and pays the settlement, if necessary. It is pretty basic what General Liability covers. Spectators are covered by our Med Pay policy, and we do not cover vendors.

And here’s the kicker: many field owners require it. If you don’t have General Liability, you might not even get to use the field.

So why do some leagues try to go without it?

Sometimes it’s budget, sometimes it’s confusion, and sometimes, it’s just procrastination. But none of those reasons will matter when a claim is filed or a child is hurt.

We’ve been in this space for over 53 years. We’ve seen firsthand how two policies, not just one, can mean the difference between a league surviving a season and folding under pressure.

The good news? You don’t need to guess at this. At Bene-Marc Youth Sports Insurance, we make the process easy. We’ll help you understand what your league needs, and get you covered fast, so you can focus on the season ahead.

So here’s your play: Purchase both policies before your first practice. Excess Accident Medical for your people. General Liability for your league. Then get back to what matters, giving kids the chance to play ball.

Ready to protect your league the right way? Contact us here and we’ll walk you through it.