Baseball Insurance Coverage
Youth & Adult Leagues
The team at eSportsInsurance is always responsive and helpful. I have been using them for many years for liability insurance for an adult baseball league and they never disappoint.
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Insurance for Baseball Teams & Leagues
Baseball evolved from older bat-and-ball games already being played in England by the mid-18th century. This game was brought by immigrants to North America, where the modern version developed. By the late 19th century, baseball was widely recognized as the national sport of the United States.
Baseball is an excellent sport for improving coordination, speed, and more. Practicing and competing in baseball also teaches valuable skills like teamwork and perseverance. Owning or operating a baseball league or team is about providing your players these benefits, among many others.
While coaching baseball can certainly be conducted safely, there are always risks to coaching and managing baseball, operating a baseball league, team, or field, or hosting a baseball game or season. Baseball requires much less player-to-player contact than sports like football or rugby, but baseball players are still vulnerable to their own sport-specific injuries.
Even if the baseball league has taken all realistic precautions, it can still be held liable for injuries and other issues related to its events and facilities.
Our insurance policies for baseball leagues, coaches, and teams allow you to focus on providing your services with peace of mind knowing that you are protected against potential risk.
Baseball League Coverage Types
We offer both general liability and accident medical insurance for various baseball programs including:
What Does Baseball Team Insurance Cover?
General Liability Insurance for Baseball Teams
Our general liability insurance policy provides coverage for claims and lawsuits that allege bodily injury or property damage.
General liability covers up to a specific amount to spectators and other non-members of your organization who file a claim or lawsuit against your baseball organization. Fortunately for policyholders, investigation of the claim and adjustment of any potential payout are taken care of by the insurance company.
General liability also covers property damage that may be due to negligence on the part of the named insured.
Accident Medical Insurance for Baseball Teams
Our excess accident medical policy helps pay for out-of-pocket medical costs for an injured baseball player or coach. Injuries do happen when participating in youth and adult league baseball, and an accident medical policy can keep injured players and coaches from facing a serious financial burden due to medical bills from an injury.
Baseball injuries, in particular, may occur as a result of incidents including, but not limited to, baseball impacts, bat impacts, tripping, sprains, and strains of the legs and arms, and player collision.
Some serious and specific baseball injuries to insure against include:
- Torn Labrum
- Rotator Cuff Injuries
- Dead Arm (Shoulder Instability)
- Ulnar Collateral Ligament (UCL) Injury Of The Elbow Requiring Tommy John Surgery
- Wrist Tendonitis Or Wrist Trauma Injuries
- Pitchers Elbow
- Knee Injuries Or Tears (ACL, LCL, MCL, PCL)
Covered individuals would encompass all registered members of your organization, including participants and volunteers, so long as the injury happened during a covered activity.
The policy pays medical bills for a member who is injured at your practice or game, or during activities you sponsor, if, either the member has no health insurance, or the medical bills exceed what the member’s insurance will pay. The limits for accident medical coverage also exceed those of general liability.
How Much Does Baseball Insurance Cost?
Team insurance can be $477 or it can be as low as $90 per team, through AYSAA.
There is no difference in insurance coverage cost between travel and recreational baseball.
Here’s how the cost for your baseball league breaks down.
Small Youth Leagues (1-5 Baseball Teams)
AYSAA Annual Membership Fee (per team) = $25 +
$1 Million Team Insurance
- Age groups 12 & under = $65.00
- Age groups 13-15 = $90.00
- Age groups 16-18 – $115.00
$2 Million Team Insurance
- Age groups 12 & under = $89.00
- Age groups 13-15 = $125.00
- Age groups 16-18 – $179.00
Medium-Sized Youth Leagues (6+ Baseball Teams)
- $477 annual premium for up to 75 players
- +$2 per additional player over 75
Adult Baseball Leagues
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A Deeper Historical Dive
“Baseball is 90% mental and the other half is physical.”
Baseball is a popular adult sport and one of our top-insured youth sports. With a rich history, it’s been played in North America for over 150 years.
Its deep roots can be traced back to the early 19th century, when games played with a ball and stick were popular in England and North America. In the United States, variations of the game were played in different parts of the country, with different rules and traditions. Some traces of Baseball go back to the 14th century, when it is traced back through its direct antecedents of stoolball and “tut-ball”.
The modern game of baseball is often credited to Abner Doubleday, a Civil War hero who was said to have invented the game in Cooperstown, New York, in 1839. This was derived from a 1908 commission investigating Baseball’s origins. However, there is no historical evidence to support this claim, and most experts believe that baseball evolved from older bat-and-ball games played in England and North America.
By the mid-19th century, baseball became a popular pastime in the United States. The first recorded baseball game was played in 1846 in Hoboken, New Jersey, between the Knickerbocker Baseball Club and the New York Nine. In 1857, the National Association of Base Ball Players (NABBP) was formed, which established a standard set of rules for the game.
In the years that followed, baseball grew in popularity, and professional leagues were formed. The first professional baseball league, the National Association of Professional Base Ball Players, was founded in 1871. It was followed by the National League in 1876 and the American League in 1901. The two leagues merged in 1903 to form Major League Baseball (MLB), which remains the highest level of professional baseball in North America, and the form of the sport we know and love.
While many people today assume that baseball was always a male-dominated sport, the truth is that women played a significant role in its development. In fact, the first recorded women’s baseball game took place in 1866, just 20 years after the first men’s game. Women’s teams were also playing in the late 19th and early 20th centuries, including the All-American Girls Professional Baseball League (AAGPBL), which was active from 1943 to 1954. The AAGPBL was formed during World War II when many male baseball players were drafted into military service, and it helped to pave the way for future generations of female athletes.
In the mid-19th century, children formed their own teams as adults embraced the game. Engaged school, church, and community groups organized teams for working-class boys who used baseball to improve their fitness and learn teamwork. Youth baseball became more organized in the 1920s and 1930s, and Little League Baseball was established in 1939, quickly growing to become the largest youth baseball organization in the world. The Pony League was founded in 1969 to allow older children to continue playing beyond Little League.
Over the years, baseball has seen many changes, including the introduction of new rules, new equipment, and new strategies. It has also played a significant role in American culture, inspiring literature, film, music, and art. Today, baseball is played by millions of people around the world, from amateur players in local youth leagues to professional adult athletes in the MLB.
Learn more about Baseball’s history here.
“We have been with Esports for 6-7 years now as our insurance carrier for our rec baseball league, and it is so easy. Rhonda and her group have always responded to emails and got our quotes to us in a timely fashion. They also have helped us when we had to add some insurance which we didn’t know we needed to carry. I recommend this group for any of your insurance needs!” – Joseph Rafferty