USA Softball Umpire Insurance Program

Registered USA Softball Umpires are insured by the USA Softball Umpire Insurance policies when they umpire games, tournaments and clinic activities, as long as those activities involve USA Softball registered teams and are authorized by a USA Softball Commissioner (or his/her designee) or by the USA Softball National Office.

All umpires registered with USA Softball are automatically covered during the calendar year for Liability and Accident Insurance plans as described below.

USA Softball Umpire Liability Insurance

Underwritten by Markel Insurance Company, rated “A (Excellent), XIII” by A.M. Best.

All umpires who register with USA Softball are automatically protected under the USA Softball General Liability policy. The policy covers umpires for lawsuits involving bodily injury, personal injury or property damage arising in the course of their duties as a USA Softball Umpire.

Liability Policy Limits

  • $2,000,000 per occurrence limit
  • $5,000,000 per aggregate limit
  • $2,000,000 Products/Completed Operations aggregate limit
  • $2,000,000 Advertising/Personal Injury limit
  • $2,000,000 Sexual Abuse Liability limit per occurrence
  • $2,000,000 Sexual Abuse Liability aggregate limit
  • $300,000 Damage to Premises Rented by You
  • $10,000 Medical Payments (to non-participants)

USA Softball Accident Medical Insurance
Underwritten by Markel Insurance Company, rated “A (Excellent), XIII” by A.M. Best.

USA Softball Umpires are covered for accidental injury arising out of participation in amateur softball activities. These include USA Softball sanctioned games, practices, clinics and tournaments.

Accident Policy Limits

  • $100,000 Accident Medical/Dental Expense limit
  • $2,000 Accidental Death/$4,000 Accidental Dismemberment benefit
  • $2,500 Physical Therapy/Chiropractic limit (subject to $100 max per visit) per claim
  • $1,000 Durable Medical Equipment limit per claim
  • $1,000 Rx limit per claim
  • $250 Deductible per claim
  • $25,000 Sublimit for Medical Expenses resulting from direct travel to and from USA Softball assignments
  • 90/10% Coinsurance

This is EXCESS insurance and only comes into play after a claimant has utilized their personal, group medical insurance, or any health benefit plan, first. If they have no other applicable insurance, this policy will pay on a primary basis, subject to the deductible and other terms and conditions of the policy.

Accident Policy Limitations: Benefits, including surgical procedures, are paid on a usual and customary basis. The policy only covers medical and dental bills which are incurred within 52 weeks of the date of injury. Medical services must begin within 60 days of accident; dental treatment must start within 180 days. Claim forms must be submitted within 90 days or up to one year from the date of injury. There is a 90/10% coinsurance under this policy.

Please note: It is very important that a claimant follow their primary insurance carrier’s eligibility criteria (for example, to be treated in-network, if required by HMO) in order for their claim to be eligible for coverage under the USA Softball Accident plan. If you do not follow your primary plan’s guidelines and your expenses are denied by the primary carrier, they will also be ineligible for coverage under the USA Softball Accident Plan.

Notable Exclusions under the Accident Plan

No benefits will be paid for a loss caused by or resulting in the following:

  1. service or treatment rendered by a doctor or any other person employed or retained bythe Policyholder;
  2. eyeglasses or contact lenses, hearing aids or the examination for the prescription or fitting thereof; 
  3. expenses for treatment on or to the teeth, except for treatment resulting from injury to natural teeth; 
  4. hernia of any kind; 
  5. injury covered by worker’s compensation or similar legislation, or automobile no-fault law; 
  6. first aid rendered at the scene of the accident; 
  7. any sickness or bodily illness;
  8. air travel, except on a commercial aircraft operating on a regularly scheduled passenger route; or
  9. injuries received as a consequence of the injured party’s intoxication (alcohol or drug related); as defined by the laws of the jurisdiction where the loss occurred. 

USA Softball Umpire Insurance Plan

All umpires who are registered with USA Softball are automatically protected under USA Softball's comprehensive general liability policy. Coverage extends to lawsuits involving bodily injury and property damage arising out of the performance of duties as an USA Softball Umpire.