| By :
Bart Maldonado
As "the great American pastime" and as a part of the common phrase "as American as baseball, hot dogs and apple pie", baseball is an ingrained part of America. We love baseball so much that we start getting our kids to play when they're as young as 5 with the T ball leagues, then progress to Little League, through high school and college and if they're good enough and dedicated enough, then to semi pro then professional baseball. Since there are so many different teams and leagues, sports liability insurance has 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. It's simply to be expected that as their skills increase and when they change from kids into young men, ball velocities increase, their hitting skills get better and for those that literally put 110% effort into it, they'll take chances and push their bodies to the max. Sports liability insurance becomes even more important for teams and leagues so the inevitable medical costs are covered. Standard health insurance won't cover injuries in a team related sports setting. If you get injured during your daily exercise routines or during a pick-up game of football, normal health insurance policies 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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