USA Swimming Insurance

USA Swimming offers its members two forms of insurance: liability and accident insurance. These insurance policies are aimed at providing USA Swimming members with peace of mind and protection. Below is a summary of the liability and accident insurance policies, claims information, and certificate of insurance request forms.

Insurance 101

USA Swimming provides a yearly insurance information to all its members describing all coverages and providing sample certificates of insurance. View the packet below:

General Liability

Covers accident and bodily injury to third parties (non-members), reduces liability for registered members, and enables members and clubs to use venues and facilities that require third party liability insurance coverage.

Participant Accident

USA Swimming provides an Excess Accident Medical insurance policy to help members and their families pay for medical expenses resulting from swimming related injuries. Since this insurance is Excess Accident Medical, you must first submit bills to your primary insurer. To request reimbursement, complete the claim form below and email it with itemized bills and receipts directly to K&K insurance Group and please include any Explanation of Benefits received from your primary insurer.

Are you having a Non-USA Swimming sponsored event?

IOA offers single event liability insurance, get a quote here:

 

 

 

See a list of our covered activities to see if yours is covered:

 

Are you having a learn to swim event?

USA Swimming's insurance does not cover events involving learning to swim.

 

RMS offers learn to swim liability insurance, learn more here:

 

FAQs

General Liability
What are our limits of insurance?
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Directors and Officers Liability/Employment Practices Liability
What coverage is provided by Directors & Officers Liability insurance and why should a swim team consider purchasing the insurance?
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Dryland Training
What types of dryland training activities are not insured?
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Who may Coach or Supervise a Dryland Training practice?
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Is dryland training considered an insured activity under the USA Swimming Insurance program?
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USA Swimming Insurance Coverage for the Club
What must a club do to have the benefit of USA Swimming’s insurance coverage?
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“Unattached” Coaches and Insurance
Is a coach member of USA Swimming who is not attached to a USA Swimming club covered by insurance? Can I provide the facility an insurance certificate as proof that I am covered?
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Membership and Insurance
What about the situation where, because of duplicate coverage, the club does not care about USA Swimming insurance protection? Perhaps the club and its athletes are insured by a YMCA or municipality.
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Can we become a member club of USA Swimming if only a portion of our athletes or participants are members of USA Swimming? If so, does the club have insurance coverage in this situation?
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Fundraising and Social Activities
What types of Fundraising and Social Activities are covered?
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Facilities
Where does the USA Swimming insurance begin/end versus the facility's insurance beginning/ending?
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Report of Occurrence/Online Reporting
How is USA Swimming notified when an accident occurs?
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Other Questions
Should parents be allowed in the locker room during a practice?
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Should parents be allowed on deck during practice?
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A member of the United States Masters Swimming, Inc. practices with a USA Swimming team. What is the status of the liability insurance for the USA Swimming member club and its members?
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Some parents want to work out (laps) while their children are at swim team practice.
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What happens to my club’s insurance if non-USA Swimming members are in the water at the same time as USA Swimming members. e.g., at a USA Swimming practice?
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What if the coach is in the water swimming with the athletes?
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What level of supervision is required for the liability insurance to apply in the event of a claim?
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Does a USA Swimming club have liability coverage if they design and build their own starting blocks or make changes to existing blocks?
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My team is planning to travel to Hawaii for a very important swim meet. I would like to know what insurance coverage the team has while traveling, while at the meet, and while sightseeing under USA Swimming. Every member of our team is a USA member.
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Does a USA Swimming club have automobile liability coverage under the USA Swimming program?
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Optional Insurance

  • Directors & Officers
  • Employment Practices Liability Insurance
  • Crime Coverage
  • Special Activities and Events
  • Workers Compensation
  • Property Insurance for Equipment and Business Owners Package Policy

 

If you have any additional questions, comments or concerns, please contact riskmanagement@usaswimming.org.


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