USA Diving provides General Liability and Participant Accident insurance for the protection and benefit of its member clubs and individual athlete members in connection with USA Diving sanctioned competitions, registered club practices, or other approved events:
- General Liability Insurance: USA Diving’s General Liability insurance program provides insurance coverage for liability imposed by law, up to the policy limit. The liability must stem from an occurrence which results in bodily injury to members of the public or damage to their property. The insurance company will provide defense even if the allegations of the suit are groundless, false or fraudulent. USA Diving member clubs, event organizers, event directors, officials, coaches, trainers, volunteers and individual athlete members are insureds under this program subject to very specific conditions. Many governmental entities including schools, cities/counties, parks and community centers require general liability insurance for events. Click here for more information.
- Sport Accident Insurance for Athletes: USA Diving’s Sport Accident insurance program provides excess medical coverage during sanctioned competitions or registered practices of a member club. USA Diving athlete members and member coaches who are injured while participating in sanctioned competitions or registered practices of a member club are eligible for this excess medical insurance coverage. Deductibles and other conditions apply. As excess insurance, this policy only pays claims after the injured party has filed and settled with any primary insurance policies. Primary insurance includes health insurance from an employer (or parent’s employer) or governmental program. This insurance not only provides valuable coverage to USA Diving members, but also serves as a valuable deterrent to lawsuits. Click here for more information.
If a member is injured during a practice or competition, please complete the sport accident insurance claim form. Follow the instructions on the form to file. Since this is secondary insurance, you must file a claim with your primary insurance first.
If you’re conducting a registered club practice or sanctioned event and an incident occurs, please complete an incident report form. You should complete this form even if you think the injured party will not file a claim (seek damages, sue the club, facility or event).
Questions about insurance? Email Pam Majors at Pam.Majors@usadiving.org, or call (317) 237-5252.