INSURANCE QUESTIONS & ANSWERS
CHAPPELL INSURANCE AGENCY, INC. AND K & K INSURANCE GROUP
25807-A COX RD PETERSBURG, VIRGINIA 23803
FAX # 804-733-2968
WHO CAN PURCHASE TEAM INSURANCE?
ANYONE DOMICILED IN THE U.S. OR U.S. POSSESSIONS.
No need, registration is included.
DOES THIS INSURANCE COVER MY TEAM IF I PLAY IN ANY ORGANIZATION?
Yes, It covers you for practice and play in any amateur association.
HOW DO I ADD AN ADDITIONAL INSURED?
After you have completed your purchase, go to your dashboard and click on the "+" sign to add an additional insured. If you want to add an additional insured later in the season you log back in to the system with your login information (email/password) and click on the "+" sign to add the additional insured.
WHAT IS THE MAXIMUM NUMBER OF PLAYERS ALLOWED ON A BASEBALL OR SOFTBALL TEAM?
WHAT IS THE MAXIMUM NUMBER OF PLAYERS ALLOWED ON A BASKETBALL OR VOLLEYBALL?
WHEN DO TEAM/LEAGUE INSURANCE POLICIES EXPIRE?
Baseball/Softball/Volleyball run from purchase date to January 1st. Basketball runs from purchase date to August 1st.
WHO IS COVERED BY THE TEAM SECONDARY ACCIDENT MEDICAL INSURANCE?
Secondary accident medical coverage is provided for all players and coaches.
WHO IS COVERED BY TEAM GENERAL LIABILITY INSURANCE?
General Liability coverage is provided for players, coaches, sponsors, bat/ball boys, scorekeepers, and other team volunteers.
WHAT IS THE POLICY LIMIT AND DEDUCTIBLE ON THE ACCIDENT MEDICAL INSURANCE?
The secondary accident medical limit is $100,000 for youth/$10,000 for adults per occurrence, with a $250, $500, or $1000 deductible for youth and a $500, $1000, and $2500 deductible for adults.
WHAT IS THE POLICY LIMIT AND DEDUCTIBLE PER TEAM ON THE GENERAL LIABILITY INSURANCE?
The general liability limit is $2,000,000 per occurrence / $5,000,000 aggregate per team limit, with no deductible.
I NEED AN ADDITIONAL INSURED CERTIFICATE FOR A FACILITY OWNER. HOW DO I PROCEED?
Go to www.chappellinsurance.com, log in, click on “ Add Additional Insured”. Your certificate can be printed/emailed from the website.
IS OUR LEAGUE “ALL-STAR” TEAM COVERED UNDER OUR LEAGUE INSURANCE?
Yes “all-star” teams made up entirely of players from your league are automatically covered with no additional fee.
OUR TEAM/LEAGUE IS HOSTING A TOURNAMENT AS A FUNDRAISER. DOES OUR LIABILITY INSURANCE PROTECT US FOR HOSTING THIS EVENT?
Yes. Liability coverage is provided for your team/league (does not cover the other teams in the event) for fund raising activities. Certain activites, such as skydiving, fireworks, and concerts are excluded.
HOW DO WE GET A CLAIM FORM?
Your claim form is included with your certificate of insurance (last three pages).
I HAVE MEDICAL INSURANCE AT WORK. CAN I SUBMIT MY ENTIRE CLAIM TO MY TEAM’S INSURANCE CARRIER?
No. You must submit your medical claim to your primary medical insurer first. Our coverage is secondary to any collectible medical insurance you may have.
SHOULD I SEND IN MY CLAIM FORM IMMEDIATELY OR WAIT UNTIL ALL OF MY BILLS ARE RECEIVED?
Always file your claim as quickly as possible after the injury. Send in all bills as they are received with a copy of the original claim form.
I WAS INJURED IN A GAME, BUT WILL CONTINUE TO PLAY WITH THE INJURY. CAN I WAIT UNTIL AFTER THE SEASON FOR TREATMENT?
No. Treatment must begin within 26 weeks and be concluded within 52 weeks of the date of injury.
ARE MY EYEGLASSES OR CONTACT LENSES COVERED?
No. Personal property is not covered.
IS CHIROPRACTIC CARE COVERED ON THE TEAM INSURANCE POLICY?
Yes. Subject to the policy limits.
OUR TEAM WAS INVOLVED IN AN AUTOMOBILE ACCIDENT WHILE TRAVELING TO A TOURNAMENT. DOES OUR TEAM INSURANCE COVER THIS LOSS?
Secondary accident medical coverage is provided for organized group travel only (The entire team traveling together-can be more than one vehicle). Travel/ Automobile liability coverage is excluded on the liability policy.
IS SEXUAL ABUSE AND MOLESTATION (SAM) COVERAGE AUTOMATICALLY COVERED IN THE 2021 GENERAL LIABILITY INSURANCE POLICY?
No, SAM is an optional coverage that can be added via underwriting questions being answered which includes background checks on all adults with contact with minors. There is a $10 charge for an individual team. $5 charge per team for league/group teams.