ASA Insurance questions

I have been getting lots of emails regarding ASA Insurance and the coverage.
ASA is the leader in many areas of youth softball nationally and our Bollinger Insurance coverage far exceeds the requirements of most of the other sanctioning bodies. Below is copied from the Bollinger website.

ASA Team/Individual Registration Liability Policy
Underwritten by Markel Insurance Company
This policy protects you from lawsuits arising out of bodily injury or property damage to others
as a result of your supervised ASA Team activities.
Policy limits are:
o $2,000,000 per occurrence limit
o $5,000,000 aggregate limit
o $2,000,000 products/comp operations aggregate limit
o $2,000,000 advertising/Personal Injury limit
o $2,000,000 sexual abuse liability limit per occurrence
o $2,000,000 sexual abuse liability aggregate limit
o $300,000 damage to premises rented
o $10,000 medical payments (to non-participants)
Deductible: $0
Exclusions:
o In addition to the usual exclusions found in the standard commercial general
liability policy, there is no coverage for automobile liability; nor for the furnishing,
serving or selling of any alcoholic beverage; nor for acts of an intoxicated person.
For 2014, property damage coverage to parked vehicles has been
eliminated.
ASA Team/Individual Registration Accident Policy
Underwritten by Markel Insurance Company
The ASA Accident plan provides coverage for medical expenses that you incur as a result of
your participating in supervised ASA Team activities. This is a supplemental policy to help
minimize your out of pocket expenses if you are injured playing softball. The coverage is
subject to limits, conditions and exclusions of the policy and is not designed to cover
“everything.”
Please note: It is very important that you follow your primary insurance carrier’s eligibility
criteria (e.g., to be treated in-network, if required by HMO, etc.) in order for this policy to
consider your expenses for payment.
Policy limits are:
o Accident Medical limit per claim: $250,000
o Accidental Death benefit: $5,000
o Accidental Dismemberment Principal Sum: $10,000
o Physical Therapy/Chiropractic limit ($100 per visit): $2,500
o Durable Medical Equipment limit: $1,000Claim Guidelines:
o Medical services must begin within sixty days of the Accident.
o Claim forms must be submitted within ninety days or up to one year from the date
of injury.
o The policy is subject to a 52-week benefit period from the date of injury.
o Payment is made according to usual and customary guidelines.