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Officials Insurance or General Liability Umbrella

cyclonehokiece

By cyclonehokiece
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cyclonehokiece

cyclonehokiece

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Long story short, I am having to give up calling high school ball due to absurd schedules that high schools in my part of MD use. With this I will not have the insurance that comes with registering with the state association. I was talking to my father (not an official), and he told me that a general liability umbrella might be a better idea than a officials specific policy. I am wondering if anyone has information on this and if one option is superior to the other.

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Umpire in Chief
Umpire in Chief

I would go wit something more specific to sports officiating. I'm a fan of NASO. It covers all sports (basically)    http://www.naso.org/MemberBenefits/Insurance.aspx   BTW Umpire-Empire.com Premi

cyclonehokiece
cyclonehokiece

Long story short, I am having to give up calling high school ball due to absurd schedules that high schools in my part of MD use. With this I will not have the insurance that comes with registering wi

Umpire in Chief
Umpire in Chief

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grayhawk

grayhawk

Posted
Posted

You would need to check with your insurance agent/broker to see if it would be covered - I suspect it would not.  Absent that, the cheapest out there is ABUA at $45/year.  It's baseball only.

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mstaylor

mstaylor

Posted
Posted

Long story short, I am having to give up calling high school ball due to absurd schedules that high schools in my part of MD use. With this I will not have the insurance that comes with registering with the state association. I was talking to my father (not an official), and he told me that a general liability umbrella might be a better idea than a officials specific policy. I am wondering if anyone has information on this and if one option is superior to the other.

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Mike, just because you aren't used to having a job that requires you to show up.... :) I like the NASO over ABUA but I work multiple levels of multiple sports. ABUA is cheaper, NASO covers more. ABUA is certainly good insurance.
johnnyg08

johnnyg08

Posted
Posted

Long story short, I am having to give up calling high school ball due to absurd schedules that high schools in my part of MD use. With this I will not have the insurance that comes with registering with the state association. I was talking to my father (not an official), and he told me that a general liability umbrella might be a better idea than a officials specific policy. I am wondering if anyone has information on this and if one option is superior to the other.

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Can't you simply register w/ your state association for the insurance?

johnnyg08

johnnyg08

Posted
Posted

Why not? Just get the insurance and don't work.

Not saying all states are the same, but in MN, my high school insurance covers everything I officiate and assign for the entire year.

JaxRolo

JaxRolo

Posted
Posted

Why not? Just get the insurance and don't work.

Not saying all states are the same, but in MN, my high school insurance covers everything I officiate and assign for the entire year.

Florida also

mstaylor

mstaylor

Posted
Posted

To register with the state you have to join an assoc. So you pay for dues you aren't going get a reward from. Either pay ABUA for baseball only or pay NASO and get covered in all sports. There are discounts, additional literature and some additional coverages with NASO, plus Referee magazine. Incorrect rulings aside, there some very good articles about what we do. ABUA covers you for baseball, has some discounts and I believe some book discounts. I used to carry both ABUA and NASO, plus I was registered through the state. Additionally I was a LL and Pony registered umpire. Talk about over insured. :)

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maninblack69

maninblack69

Posted
Posted

To register with the state you have to join an assoc. So you pay for dues you aren't going get a reward from. Either pay ABUA for baseball only or pay NASO and get covered in all sports. There are discounts, additional literature and some additional coverages with NASO, plus Referee magazine. Incorrect rulings aside, there some very good articles about what we do. ABUA covers you for baseball, has some discounts and I believe some book discounts. I used to carry both ABUA and NASO, plus I was registered through the state. Additionally I was a LL and Pony registered umpire. Talk about over insured. :)

 

Better to be over insured than under insured!! :)

SJA

SJA

Posted
Posted

I don't know about other States, but in Maryland there is no legal protection exclusion for volunteer "Athletic Officials" so you better have insurance to CYA.

 

Maryland Statutes 5 - 802.

 

:-(

johnnyg08

johnnyg08

Posted
Posted

To register with the state you have to join an assoc. So you pay for dues you aren't going get a reward from. Either pay ABUA for baseball only or pay NASO and get covered in all sports. There are discounts, additional literature and some additional coverages with NASO, plus Referee magazine. Incorrect rulings aside, there some very good articles about what we do. ABUA covers you for baseball, has some discounts and I believe some book discounts. I used to carry both ABUA and NASO, plus I was registered through the state. Additionally I was a LL and Pony registered umpire. Talk about over insured. :)

Not the case in MN.

Better to be over insured than under insured!! :)

Over insurance = waste of money

JaxRolo

JaxRolo

Posted
Posted

Better to be over insured than under insured!! :)

Over insurance = waste of money

One of those I'd rather have it and not need it than need it and not have it. But like I said, that's just me.

maninblack69

maninblack69

Posted
Posted

How much is enough? I guess that's my whole point. How do you know when you're over insured?

In most cases from what I've seen, most policies are about $3 million in coverage which should be plenty for most people. I know people in our association usually go with the association $3 million liability policy and NASO. Should be more than adequate.

Don't need to take it quite as far as mstaylor, but if that works for him then it works.

johnnyg08

johnnyg08

Posted
Posted

Yeah, I'm not judging what other people choose to do.  

 

All I'm saying is that insurance has a way of scaring people into spending more money than is necessary under the "better safe than sorry" mantra.  

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maninblack69

maninblack69

Posted
Posted

Yeah, I'm not judging what other people choose to do.

All I'm saying is that insurance has a way of scaring people into spending more money than is necessary under the "better safe than sorry" mantra.

I don't disagree with that point at all. Especially since most agents are paid on commissions. With most general liability policies, one is usually more than enough.

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