Super Stars Basketball Insurance

Super Stars Basketball is a registered member of Youth Basketball of America (YBOA). This membership allows us to offer the exceptional YBOA Team Insurance Program to Super Stars Basketball registered teams.

Who is Covered?

Youth Basketball of America provides the following insurance coverages for its registered member individuals, teams and leagues. Individuals covered: YBOA staff, registered players, registered coaches and administrators, referees and volunteers of its members while participating in covered basketball activities.

Liability Insurance Program

Per Occurrence Limit: $2,000,000
Aggregate Limit: $4,000,000
Products and Completed Operations: $2,000,000
Personal and Advertising Injury: $2,000,000
Sexual Abuse/Molestation Liability: $1,000,000
Sexual Abuse/Molestation Aggregate: $1,000,000
Fire Legal Liability: $100,000
Medical Payments: Excluded
Liability Deductible: $0
Participants Legal Liability Included

The YBOA liability insurance plan for individual and league members provides a $2,000,000 limit of liability per occurrence, with a policy aggregate limit of $4,000,000. The policy provides coverage for Bodily Injury and Property Damage to spectators and participants arising out of sanctioned activities or the operations of YBOA and its members. Note: The liability policy provides coverage only for sanctioned activities of YBOA

No liability coverage is provided to parents, coaches or volunteers while using any automobile to transport team members or volunteers to any practice, game or activity. Therefore, we strongly advise that teams or leagues who are transporting participants make certain that the vehicle and the driver(s) are properly licensed and fully insured.

Liability Insurance

Exclusions under the Liability Insurance Plan: In addition to the usual exclusions found in the standard commercial general liability policy, there is no coverage for Hired or Non-owned Auto; nor for the furnishing, serving or selling of any alcoholic beverage; nor for acts of an intoxicated person.

Both the Accident and General Liability Plans are underwritten by A++ (Superior) rated companies, as rated by A.M. Best.

Accident Insurance Plan

Accident Medical & Dental Expense Limit: $250,000 per injury
Accident Deductible: $50 per claim
Accidental Death and Dismemberment Benefit: $15,000
Full Excess Coverage Benefit Period: 52 weeks

The YBOA accident insurance plan includes the Covered Persons during sanctioned and supervised activities of YBOA, such as tournaments, games and practices. In addition, group travel to and from a sanctioned activity is covered, provided the covered individuals are traveling with the basketball team, and are under the direct and immediate supervision of the team. Coverage applies outside the United States only if travel has been approved by YBOA. Coverage applies within the United States without the issuance of travel approvals or permissions.

Accident Medical Insurance

This is a Full Excess Policy. The benefits are payable in excess of any other Health Care Plan, (as defined in the policy) regardless of any Coordination of Benefits provision contained in such Health Care Plan. The medical expenses must be incurred within 52 weeks (1 year) of the date of injury and be reported within 90 days of the date of injury. A deductible of $50 will apply for each covered injury. Claims will be paid on a Usual and Customary basis.

Notable Exclusions under the
Accident Plan

No benefits will be paid for a loss caused by or resulting in the following:

1. Suicide or any attempt at suicide or intentionally self inflicted injury or any attempt at intentionally self inflicted injury; or
2. Sickness, disease or infections of any kind; except bacterial infections due to an accidental cut or wound, botulism or ptomaine poisoning; or
3. The Insured's commission of or attempt to commit a felony; or
4. Declared or undeclared war, or any act of declared or undeclared war; or
5. Full-time active duty in the Armed Forces, National Guard or organized Reserve Corps of any country or international authority. (Unearned premium for any period for which the Insured is not covered due to his or her active duty status will be refunded.) (Loss caused while on short-term National Guard or reserve duty for regularly scheduled training purposes is not excluded.)
6. Travel or flight in or on (including getting in or out of, or on or off of) any vehicle used for aerial navigation, if the Insured is:
   a. riding as a passenger in any aircraft not licensed for the transportation of passengers for hire.
   b. performing, learning to perform or instructing others to perform as a pilot or crew member of any aircraft.
7. Any condition for which the Insured is entitled to benefits under any Workers' Compensation Act or similar law; or
8. The Insured being under the influence of drugs or intoxicants, unless taken under the advice of a Physician.

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