2021/2022 Little League Season Insurance FAQ

As with all activities, and not just limited to youth sports or Little League, there is an inherent risk associated with holding organized events. Little League International continues to provide resources through LittleLeague.org/Coronavirus and the A Safety Awareness Program (ASAP), to help leagues reduce their risk. A series of Coronavirus Mitigation Best Practices for players, participants, and fans can be found at LittleLeague.org/SeasonResumption.

As with any claim, no definitive answer can be made as it would depend on all of the specific allegations against the league and the available coverage would have to be reviewed by the insurance carrier before they could make a decision. Leagues utilizing other insurance should contact their insurance carrier for information on potential exclusions.

Yes. Although official games and practices may not be happening, your coverage, if paid in full, is active and still providing essential coverage for the league.

The Little League Player Accident Policy, underwritten by National Union Fire Insurance Company (a member company of AIG), is an excess coverage, accident-only plan, to be used as a supplement to other insurance carried under a family policy or insurance provided by an employer. This accident insurance covers eligible participants (players, appointed/approved managers and coaches, volunteer umpires, scorekeepers, player agents, and safety officers) while traveling directly, without delay, to and from the field, as well as during Little League practice sessions and games. Coverage also extends to league volunteers involved in authorized league activities, such as Board meetings or other gatherings at the league’s complex. No coverage is in effect until the league has submitted their Charter Application and Insurance Enrollment form and the premium has been paid in full. For more information, visit LittleLeague.org.

AIG accident insurance covers eligible participants (players, appointed/approved managers and coaches, volunteer umpires, scorekeepers, player agents, and safety officers) while traveling directly, without delay, to and from the field, as well as during Little League practice sessions and games. Coverage also extends to league volunteers involved in authorized league activities, such as Board of Director meetings or other gatherings at the league’s complex. No coverage is in effect until the league has submitted their Charter Application and Insurance Enrollment form and the premium has been paid in full. For more information, visit LittleLeague.org. Other than injuries sustained by managers, coaches, players, or volunteer umpires, AIG accident insurance also covers field maintenance workers, concession workers, and individuals working at a league fundraiser.

Yes. General Liability insurance is mandatory coverage to maintain your charter affiliation with Little League. Maintaining insurance prevents a gap in coverage and protects against potential risk and exposure to issues that still exist whether the league is active, or no games/practices are currently taking place. The current policy year will expire on December 31, 2021. We encourage all leagues to charter and enroll in the insurance program as well as pay their insurance premiums before the end of the year to assure the league’s coverage is effective as of January 1, 2022.

General Liability Insurance covers your local league against litigation involving bodily injury or property damage claims, subject to any applicable exclusions. No coverage is in effect until the league has submitted their Charter Application and Insurance Enrollment form and the premium has been paid in full.

Directors & Officers Liability Insurance covers litigation against your local league for issues involving discrimination, acts beyond granted authority, wrongful dismissal, libel/slander/defamation of character, or errors and omissions in the performance of the league’s official duties (exclusions apply). This coverage does not apply to bodily injury or property damage claims.

The cyber liability insurance program can provide individual leagues with protection against the following:

• Third-party claims arising from a failure of the insured’s network security or a failure to protect data. Insurance also responds to regulatory actions in connections with a security failure, privacy breach, or failure to disclose a security failure or privacy breach.
• Direct first-party loss mitigation costs of responding to a security failure or privacy breach by paying costs of notifications, public relations, and other services to assist in managing and mitigating a cyber-incident, including forensic investigations, legal consultations and identity monitoring costs for victim of a breach.

The policy is NOT intended to provide any benefits for the third-party vendors, such as companies that provide the league with online registration services.

Crime Insurance protects leagues against a monetary loss caused by dishonesty, the disappearance of money, securities, or other property, and the destruction of money and securities. It also includes coverage for the burglary or theft of property and/or money.