INSURANCE

Simply put, whoever is asking for the certificate. Almost  always, it is the person or entity who owns the field on which you play  or practice. List the full name of the person or entity and the address  where we can mail the certificate. Example below:

City of Los Angeles
Parks and Recreation Dept.
C/O John Smith
12345 Main St.
Los Angeles, CA 91234

As our policy is written, USA Rugby is listed as the “Insured” party.  This includes all of USA Rugby’s territorial and local area unions, USA  Rugby registered clubs, members, referees, coaches, committee members,  volunteers and administrators. All entities (field owners, sponsors,  etc.) requesting insurance coverage through our policy are considered  “certificate holders”.

Some places do require to be listed as an  “additional insured”. This then makes them an “Additional Insured”  meaning our policy will provide coverage as a result of negligence on  the part of our USA Rugby Named Insured’s as their interest may appear.  The standard wording offered on our certificates states: “The  Certificate Holder is added as an additional insured but only in respect  to the liability that arises out of the named insured’s activities or  operations.”

There is a space provided on the certificate request form for such  information. If more space is needed, just include the wording on an  attachment and submit this with your original request. (Please feel free  to contact the National Office if you need further explanation  regarding endorsements.)

It is not essential to complete this item. You may check  “field owner”, “sponsor”, “tournament” or “other”, and describe in the  space provided. This information is not required in order to issue a  certificate, it simply provides additional information.

All insurance certificates are issued directly to the holders. If you  would like copies of all certificates issued on behalf of your club,  indicate so in the space on the request form.

Please Note:
It is  very important that you get your certificate requests submitted in a  timely manner, so that we can be assured enough time to get your  certificates to their holders in time for any given event. It takes time  to verify compliance and get the information passed on to our processor  where they in turn issue the certificates.

The liability insurance coverage is automatic for clubs and members that  are actively registered (CIPP enrolled) with USA Rugby and abiding by  all USA Rugby policies and procedures. All members of the club, to  include players, coaches and administrators should be registered, and  the club itself must have an active registration with USA Rugby.

The named insured is USA Rugby and all of its Territorial Unions, Local  Area Unions, USA Rugby registered clubs and registered members, coaches,  referees, volunteers, committee members and administrators. The USA  Rugby Members policy provides 3rd party liability insurance, otherwise  defined as defense against lawsuits resulting from claims of negligence  arising out of an accidental bodily injury and/or property damage while  an insured is acting within the scope of their responsibilities on  behalf of USA Rugby during a sanctioned USA Rugby event. It covers you  if you hurt someone else while playing rugby, such as a spectator or  visitor and it covers any incidental (but excludes intentional) property  damage caused by you or your club during an event. It does not cover  player versus player injuries. Vandalism to property would be considered  an “intentional act” and therefore not covered under the policy.

What members should understand is that the owners/operators of most all  fields and facilities will require a large liability insurance policy  such as this to even allow a club access. Without such a policy in  place, most Parks & Recreation Departments and other public fields  and facilities, including meeting spaces, would be off-limits for use.  Independent insurance would be very difficult to obtain, as insurance  underwriters are generally unwilling to write coverage for stand alone  rugby operations. Most clubs are dependent at some point in the season  on public facilities, even if their home pitch is on school grounds and  already covered.

Insured parties include registered clubs and their registered members,  registered coaches and registered officials, but only if the registered  club has 15 registered members and event or practice or competition is  sanctioned with USA Rugby. The coverage also extends to volunteers of  USA Rugby while acting within the scope of their direct responsibilities  on behalf of USA Rugby. Clubs MUST have 15 registered players.

(If  you need the certificate before you are able to enroll 15 members i.e.  to secure a field for a tryout or fundraiser, please contact the  National Office.)

The cost is included with your USA Rugby registration fee at no  additional cost to you or your club. We offer up to five certificates  per club; any certificates beyond these five will cost $25.00 per  certificate payable to USA rugby.

  The primary General Liability policy is written on an occurrence basis with the following limits:

• Each Occurrence: $1,000,000
• Aggregate per event: $3,000,000
• Participant Legal Liability: $1,000,000
• Personal Injury: $1,000,000
• Fire Legal Liability: $ 300,000
• Medical Payments: NONE-EXCLUDED FROM COVERAGE
• The Excess Liability policy is written on an occurrence basis with the following limits:
• Each Occurrence: $4,000,000
• Annual Aggregate: $4,000,000
• This  policy is “following form” which means it provides excess limits to the  terms, conditions and exclusions of the primary General Liability

Additional exclusions may apply.

We are always willing to help your club anyway we can. Please contact  the National Office if you need to request alterations to this policy.  However, depending on the adjustments needed it will most likely be an  additional cost to your club.

The coverage provides legal defense should a coach be sued by a player  in event of a player injury. Coaches are insured under the General  Liability policy.

The coverage provides legal defense should a referee or administrator be  sued by a player in event of a player injury. Referees/Officials are  insured under the General Liability policy.

If a club decides not to register, then they do not have any insurance  through USA Rugby. It will be difficult or impossible for a facility to  allow you to hold a competition or practice, as they generally require  proof of insurance. Additionally, the individual members of the club can  be held personally liable for any damage to the field for injuries  players may sustain as a result of their participation.

USA Rugby advises you not to compete in any match against non registered  opponents. You should notify your Local Area and Territorial Union  officials and contact the Club official to find out why they are not  registered. If the LAU or TU do not support your decision not to play  the match, you should contact the USA Rugby National Office. If you play the match and the opposing club is not registered with USA Rugby, you could forfeit coverage for your club.

The USA Rugby website www.usarugby.org has a section dedicated to  membership. You can search for clubs and their rosters on the site under  “Club Rosters”. You should print out the club’s public roster from the  website and take it with you to the field to check against the other  club’s match roster. If any players do not appear on the registered  list, they should not play without further documentation. If any of your  own players fail to appear, you can register them instantly online.

No. This is not a medical insurance policy. This is not an excess  medical policy. The general liability insurance policy provides 3rd  party liability insurance. Its coverage is very similar to liability  insurance coverage for your automobile. It covers you if you hurt  someone else while playing rugby, such as a spectator or visitor and it  covers any incidental (but not intentional) property damage caused by  you or your club during an event. It does not cover player versus player  injuries. The USA Rugby Zurich Accident Insurance policy does cover  health related accidents. To find out more about your USA Rugby Zurich  accident insurance go to www.usarugby.org and click on the “Insurance”  tab and then the “Accident Insurance” tab.

No. Liability insurance coverage is limited to only those persons who are registered with USA Rugby.

Please allow 3 to 4 business days to process any certificate of insurance!