| By :
Bart Maldonado
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. With all of these different leagues, sports liability insurance needs 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. This means that someone will be responsible for paying the medical bills and having sports liability insurance in place means that those bills are covered properly. As the kids get older, the odds of suffering some type of baseball related injury increases. As their skills increase and they get stronger, ball velocities increase, hitting skills get batter and for the truly competitive ones, they'll take more chances and push their bodies to the limits since those are the ones that put 110% into their efforts. Sports liability insurance becomes even more important for teams and leagues so the inevitable medical costs are covered. Regular health insurance isn't designed to cover sports related injuries in a team setting. If an injury occurs while you're playing a pick-up game of football or during a daily exercise routine, normal health insurance will cover that. However, when you're part of an organized team, sports liability insurance is necessary since injuries sustained during team sports are considered "extraordinary circumstances" by regular health insurance companies and won't be covered. Schools will undoubtedly have sports liability insurance and camp insurance since sports are such an integral part of the extracurricular activities and even school spirit. 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. Players are depending on the team owners to help them become the best they can be since they're putting everything on the line for the game they love.
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