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Originally Posted by GarthB
Dave:
During the school season, Washington umpires are considered "state employees" for the purposes of insurance during the actual time they work "official" games and are covered by the state Labor & Industries insurance (known as workmen's comp in some states). The state has advised us that we are not covered once a game is officially over, for any reason, forfeit, ten run, rain-out, regulation, whatever.
Due to the bureaucracy and accompanying red tape of dealing with the state, when I've been injured I've just opted to use my personal health insurance.
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Personal health insurance is what I would think the "typical" amateur umpire would be relying on to treat injuries the umpire might sustain while working a game. My personal insurance doesn't care what I was doing when I got hurt, it sounds like yours doesn't either, but the guy I was responding to apparently thinks his personal insurance won't cover him if he gets hurt while working a game.