Baseball has long been called “The Great American Pastime” and as a part of Americana, the phrase “It’s as American as baseball, hot dogs and apple pie.” also comes to mind. From the professionals, the semi-pros, college and high school players to the Little Leaguers and the 5 year olds playing T ball, we love baseball at any level of the game. Since there are so many different teams and leagues, sports liability insurance has to be in place in case of injury.
While the odds of injury in the T ball league that will require medical treatment are small, the worst usually being a scraped elbow or knee, there are times when a kid will fall and hit their head and as with any head injury, if there are any signs of a concussion, it has to be checked out. Having sports liability insurance in place means that the medical bills are being covered properly and not forcing the responsibility on the parent or the team.
Unfortunately, the odds of suffering some type of baseball related injury increases as kids get older. It’s simply to be expected that as their skills increase and when they change from kids into young men, ball velocities increase, their hitting skills get better and for those that literally put 110% effort into it, they’ll take chances and push their bodies to the max. This means that sports liability insurance becomes even more important for all teams and leagues so the medical bills will be covered for those inevitable injuries.
Standard health insurance won’t cover injuries in a team related sports setting. If you get injured during your daily exercise routines or during a pick-up game of football, normal health insurance policies will cover that. Since injuries that occur during organized team sports are seen as “extraordinary circumstances” and aren’t covered by regular health insurance, special sports liability insurance is necessary to make sure medical bills are covered.
Sports liability insurance and camp insurance is definitely carried by schools since sports are such a big part of school spirit and so many kids take part. They understand the need to make sure their students have the protection they need so they’ll do their best for the school. Semi pro and pro teams are the same way. These players are depending on the semi pro teams to help them advance to the pros and pro players are putting everything they have into the game they love.
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