Let's say that a township little league wants to put its foot down and take the stance that there's no way they'll ban sliding into bases, as that's not baseball, and as a result it just isn't American.
The insurance company says that for the little league to get insurance it's going to cost twice as much if they allow sliding. Hence the little league has no choice but the pass on the cost of participation to the parents of the kids in the league. Or...the kids won't ever know what it's like to slide into a base. What an unfortunate situation.
The rising costs of insurance are preventing children from getting enough exercise, and hence leading to health problems in the future costing the insurance companies more money in health related payouts. If this is the case, then they should be able to offset any short term liability payouts by the long term gains of a healthier society.