Insurance and Incident Reporting

Introduction

It is important to report any incident linked to a baseball or softball activity that results in an injury or accident. This could include an injury to an individual or damage to property. By building up a picture of the type of incidents that most commonly occur in our sports, BaseballSoftballUK and the British Baseball and Softball Federations can look to make improvements to help reduce these in future.

Another reason to report incidents is associated with insurance provision. BaseballSoftballUK is required to maintain a record of any incident that might give rise to an insurance claim, and to pass it on to the insurance brokers for their own records in case a claim arises later. More information about insurance is given in the section below.

Please note that sending in the Incident Report does not automatically make it an insurance issue and does not constitute an insurance claim being made; it is initially just part of our record-keeping. We will only forward the record on to the insurance brokers if the incident is something that would be considered under the terms of the insurance policies should a claim arise.

For more information, please visit the incident reporting page.

 

Insurance

The British Baseball Federation and British Softball Federation take out insurance policies in their names covering civil liability and personal accident for their members. Below is some information about the cover and how your club becomes insured.

The civil liability policies also cover the directors, officers, staff, coaches, officials and volunteers of the BBF, BSF and BaseballSoftballUK.

For information on travel insurance for team trips abroad, please visit the travel insurance page.

 

Types of cover

British Baseball Federation

Civil Liability.  Covers registered members of your club for civil liability cases while involved in an official club activity such as a training session, game or event. Claims are assessed on the basis of whether the incident was a result of the club's negligence; accidents are generally not covered. Fee is charged by BBF per club as an extra on top of the affiliation fee.

Personal Accident. Covering registered members of your club for costs resulting from injury while involved in an official club activity such as a training session, game or event. Fee is charged by BBF per club as an extra on top of the affiliation fee.

Who is covered? UK residents who are registered members of your club: players, coaches, officials, employees, volunteers, committee members. Registration is done via the British Baseball website.
 

British Softball Federation

Civil Liability.  Covers registered members of your club for civil liability cases while involved in an official club activity such as a training session, game or event. Claims are assessed on the basis of whether the incident was a result of the club's negligence; accidents  are generally not covered. Fee is charged by BSF and included in the affiliation fee.

Personal Accident. Covering members of your club for costs resulting from injury while involved in an official club activity such as a training session, game or event. Fee is charged by BSF per team as an extra on top of the affiliation fee, but it is optional cover that leagues or independent teams can choose to take or not.

Who is covered? UK residents who are a registered member of your club: players, coaches, officials, employees, volunteers, committee members. Registration is done via the British Softball website.

For more details on what is covered, please see the summary of cover

 

How does your club get covered?

Your club will be covered by the insurance policies providing that it pays the relevant insurance fee as requested by the Federation at the time of affiliation each season. The BBF and BSF will let their members know how much insurance will cost prior to the new season starting.

Generally, it is softball leagues which affiliate and pay an insurance fee to the British Softball Federation. Going down the chain, clubs pay membership and insurance fees to their league, and players pay membership fees to their club, which includes annual insurance cover. The exceptions are tournament teams that don't play in a league but take part in BSF tournaments during the year. They will affiliate directly with the BSF, sometimes through a tournament entry fee.

On the other hand, baseball clubs affiliate with the British Baseball Federation directly and pay an insurance fee in the process. Players then obtain insurance through membership with their club.

Currently, all affiliated clubs of the British Baseball Federation are required to take out civil liability and personal accident cover. The British Softball Federation requires its members to have civil liability cover, but personal accident insurance is optional for leagues and independent teams.

Insurance is not sold for a profit by the Federations; annual club insurance fees are set to cover the initial cost for each Federation of buying the insurance policies from the insurers.

Venues often want clubs to demonstrate that they have civil liability cover to protect against accidental damage to property, injury to spectators etc; you can obtain a certificate of civil liability insurance from the relevant Federation. 

 

How long does cover last?

The British Baseball and Softball Federations renew their insurance policies every year. Currently, policies cover roughly the calendar year, ending on 30 November before renewing a new annual policy.

Given that a season's insurance runs out in November and that the Federations don't usually request club insurance fees for the new season until the following spring, clubs may wonder whether they are insured if they train from December onwards or play indoor competition during the winter.

The Federations operate a rolling policy which means that if your club paid its insurance fees during the summer season it continues to be insured during the winter/spring period until the request is made for the new season's fees. At that point, clubs will no longer be insured until they pay the new season's fees.

 

Certificates of insurance

To obtain a certificate demonstrating that your club has civil liability cover, please contact the Treasurer for the Federation that you are affiliated to:

British Baseball Federation: .(JavaScript must be enabled to view this email address)

British Softball Federation: .(JavaScript must be enabled to view this email address)

 

How does someone make an insurance claim?

Please visit the separate page on making a claim.

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