I not sure why so many people are always complaining about the $10 League card that has the coverage below.
For the record, This card should be purchased on day 1 of your season. The day you step on the mat for the season. This is not for just post season activity. As the infomation explains; coverage does not start until recieved by USA Wrestling or your state director. If a kid gets hurt in practice without the $10 league card and the club having a Charter. Who do you think pays for his injury? School, No they do not in most cases. Parents will pay and try to recoup out of pocket expences through the school. When that don't happen, then they will sue who? the coaches, school, the BOE, etc.
The $10 USA Wrestling league card covers all this along with having a chartered club to cover both member and club/school Volunteers from liability.
INSURANCE COVERAGE
At USA Wrestling, our top priorities are safety and security, that’s why we make sure you’re protected by
insurance coverage considered to be among the most extensive in the sports industry! Please take a few
minutes to familiarize yourself with the following highlights of our policies and coverage. As always, if you
have any questions, please don’t hesitate to contact USA Wrestling State Services at (719) 598-8181 or
e-mail [email protected].
TYPES OF COVERAGE
• Secondary Sports Accident Insurance: for injuries sustained while wrestling, coaching, or officiating
• General Liability Insurance: to protect all members and volunteers from liability claims (first dollar
legal defense)
Please note that there is no Secondary Sports Accident or Liability coverage for wrestling activities
held at a home or residential dwelling
SECONDARY SPORTS ACCIDENT INSURANCE:
•Coverage is secondary to primary medical insurance
• $1,000,000 aggregate benefit, with the following limits:
•Accidental Dental – $100,000
•Physical Therapy – $100,000
•Orthopedic Appliance – $100,000
• Claims must be filed with primary medical carrier first (if applicable)
•You must follow “in-network” requirements of your primary insurer
•There is a $500 deductible per injury
• Coinsurance rate is 80% – 20% on the first $10,000 after the $500 deductible
•Max out of pocket per injury is $2,500 ($500 deductible + $2,000 coinsurance)
WHO IS COVERED?
• Wrestlers, Coaches, and Officials holding USA Wrestling Membership
WHEN DOES COVERAGE START?
•When you have completed and paid for your membership online; or
•When the state association or its director receives both membership information and fees
WHEN ARE MEMBERS COVERED FOR SECONDARY MEDICAL?
•At USA Wrestling chartered club practices
––Practices must be organized and supervised by a member coach
––All participating club members must be individual USA Wrestling members
•When participating in sanctioned USA Wrestling events and activities
•When traveling directly to or from USA Wrestling sanctioned events or chartered club practices
•While participating in non-sanctioned events
––Events must be formally scheduled, supervised, and conducted by a recognized sports
organization, association, civic group, or school and its rules must be in force
Secondary Sports Accident coverage while at the above non-sanctioned events extends to:
––Member athletes – while competing
––Member coaches – while coaching
––Member officials – while officiating
USA WRESTLING GENERAL LIABILITY COVERAGE
WHAT DOES GENERAL LIABILITY PROVIDE COVERAGE FOR?
•Bodily and personal injury (3rd party)
•Property damage (3rd party)
•Participant legal liability
WHAT ARE THE COMMERCIAL GENERAL LIABILITY POLICY LIMITS?
––$5,000,000 per occurrence
––$100,000 limit on damage to premises rented to you
WHO IS COVERED?
•Wrestlers holding USA Wrestling Athlete Membership
•Coaches holding USA Wrestling Coaches Membership
• Officials holding USA Wrestling Officials Membership
•USA Wrestling Chartered Clubs
•Event directors and volunteers at sanctioned events
• Additional insured entities that are specifically named
•State Associations
WHEN DOES GENERAL LIABILITY COVERAGE APPLY?
For individual members:
•When membership information is submitted and payment is received by USA Wrestling or your state association
For clubs and club volunteers
•When the club submits application and payment to USA Wrestling or your state organization
•All members of the club must also be members of USA Wrestling for coverage to apply
For event directors and event volunteers:
•When the event sanction application is submitted with payment and approved by the state
association. Coverage applies for the duration of the event, to include set-up and tear-down. USA
Wrestling membership must be a requirement for event participation for coverage to apply.
PARTICIPANT LIABILITY
•Provides coverage for claims against participants for acts that the insured is found legally liable
•This does not cover athletes for claims brought against them by another athlete
PROPERTY DAMAGE
•Provides liability coverage for loss or damage to the property of others
•Coverage is subject to a $500 deductible
•Personal effects of individuals, including jewelry and cash are excluded
•Policy does not include full replacement – depreciated value is the basis for claim payment
Auto liability and collision coverage are not included in USA Wrestling’s general liability policy.
Please make sure all drivers are licensed and appropriately insured. We encourage you to visit with
a local insurance agent to discuss coverage options, including a non-owned and hired auto policy
for your club.
CERTIFICATES OF INSURANCE
With an approved event sanction or club charter, you will receive a Certificate of Insurance. This proves
that your club has insurance and states coverage limits. Many facility owners/operators will ask for this
proof as a condition of you using the facility. The owner/operator of a facility may also ask to be listed
as a Certificate Holder on a Certificate of Insurance. This gives the owner/operator proof that you have
insurance and states that they will be notified of any changes.
You can also submit application to name an Additional Insured. Additional insured entities are extended
the same coverage as the event host or chartered club. Schools, school districts, and facility owners/
operators often ask to be an additional insured. You can request an additional insured during the
sanctioning process.
The key difference between a Certificate Holder and an Additional Insured is that the Additional Insured
is extended liability coverage. A Certificate Holder is only provided proof that the event host or chartered
club has liability insurance and the Certificate Holder will be notified of any changes in coverage.
CERTIFICATE OF INSURANCE & ADDITIONAL INSURED PROCESSING PROCEDURES
•Fill out an application for Sanction of Event or Club Charter [whichever is applicable]. This is proof
that the event host, the club, its directors, and volunteers are provided liability insurance coverage for
covered claims and related litigation within the conditions and limits of the policy procured by USA
wrestling. As part of the event sanctioning / club charting process, you will be asked to provide the
name and address of the facility’s owner/operator who should be listed as a Certificate Holder. The
owner operator of the facility in which the event is hosted will automatically be listed as a Certificate
Holder as part of the sanctioning/chartering process – there is no additional fee.