Coverage Options

Specialized coverage options tailored specifically for the needs of USRowing members.

USRowing Member Insurance

USRowing Coverage Options

Administered by AssuredPartners, the insurance program for USRowing encompasses all those key areas of risk for USRowing members and affiliated organizations. These include accident and liability coverages with a range of optional coverages. In addition, there are a host of benefits included in the coverage.

The insurance program remains essentially the same as in 2010. General Liability for USRowing activities include:

  • Excess Hired/Non-Owned Auto Liability for clubs is now included. There is no need to purchase separate coverage for rented or leased vehicles except if physical damage coverage is desired.
  • Miscellaneous special events and activities that involve groups other than USRowing members or the general public will now be included automatically with your membership subject to underwriting review.

Please review our coverage options below.

USRowing Accident Insurance Benefits

Excess Accident Medical Limit Summary

  • Excess Accident Medical/Dental Expense - $25,000
  • Accidental Death Benefit - $15,000
  • Accidental Dismemberment Benefit - $15,000
  • Physical Therapy/Chiropractic Limit - $2,000
  • Deductible Per Claim - $250
  • Policy Benefit Period - 52 weeks
  • Full Excess Coverage

Excess Accident Medical Coverage Summary

$25,000 Participant Accident Medical Expense Coverage is provided by Berkley Life Insurance Company (Berkley Life) for rowing related accidental injuries to all current members of USRowing, member organizations, members of registered clubs, registered regatta participants, referees, and coaches of USRowing, including the Elite teams. This is EXCESS insurance and only comes into play after you have utilized your personal, group medical insurance, or any health benefit plan, first. If you have no other applicable insurance, this policy will pay on a PRIMARY basis.

$15,000 Accidental Death and Accidental Dismemberment coverage

Disappearing Deductible

This feature means that when any amount up to the $250 deductible is paid toward a claim, whether it is paid by a primary policy or by the claimant, the deductible will be reduced by that amount.

52-Week Benefit Period

Coverage will apply for one year from the date of injury.

USRowing Insurance Program

Liability Insurance Benefits

The 2016 insurance program is in place not only to provide a benefit, but also to promote risk management and loss control in order to make rowing a safer sport.

  • Limit of Liability per occurrence - $2,000,000
  • Policy Aggregate per location - $6,000,000
  • Products/Completed Operations Aggregate - $3,000,000
  • Personal and Advertising Injury - $2,000,000
  • Sexual Abuse & Molestation Occurrence - $2,000,000
  • Sexual Abuse & Molestation Aggregate - $3,000,000
  • Participant Legal Liability - $2,000,000
  • Hired/Non-Owned Auto Liability - $1,000,000
  • Fire Legal Liability - $300,000
  • Medical Payments (non-participants) - $5,000
  • Deductible - $0

Features of the USRowing Liability Plan

  • Includes participant legal liability coverage
  • No exclusion for “Player vs. Player” claims
  • Includes host liquor liability coverage

Organizations must maintain and manage their member rosters and waivers, making sure they are current.

Covered activities include participation in regattas, scheduled practices, try-outs, meetings, banquets, non-hazardous fundraisers, learn-to-row days and many more.

USRowing Insurance Program

Directors & Officers Liability

The 2018 insurance program is in place not only to provide a benefit, but also to promote risk management and loss control in order to make rowing a safer sport.

  • Option A: $1 Million D&O Liability Limit - $385
  • Option B: $2 Million D&O Liability Limit - $770
  • Option C: Crime Insurance - $175
  • Option D: $1 Million D&O Liability Limit & Crime Insurance - $510
  • Option E: $2 Million D&O Liability Limit & Crime Insurance - $895

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USRowing Insurance Program

Equipment Coverage

Our equipment coverage program, provided through Chubb, provides worldwide coverage and is written on an “all risks” form for direct physical loss and/or damage to your equipment.  Various deductible options and additional coverage options are available. .

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USRowing Special Events

If you're planning a special event that is not part of your normal rowing activities, you may need a separate policy to provide coverage for the event.  Please contact our team to determine if a separate policy is needed.

If so, one of the following applications may need to be completed: