A USA Basketball Coach License includes general liability coverage* to all licensed coaches in good standing through USI Insurance Services. The coach’s license cannot be in suspended, revoked or expired status. This coverage is offered to the coach while performing normal coaching functions. To become effective, the coverage requires the following:
Each coach obtain a waiver** from every athlete under the coach’s guidance.
Secondary medical coverage should be in place for each athlete under the coach’s guidance. Participant Accident Coverage – also known as a secondary medical coverage covers the athlete when injured during practice or play for their medical bills. The personal medical coverage the participant has will be primary and the Participant Accident they purchase will cover medical bills not covered by the primary coverage. The minimum limit of this coverage to be purchased is $25,000. The general liability policy excludes medical payments and also requires this coverage be in place.
*This coverage does not extend to transportation of athletes. Coaches who transport athletes should obtain coverage separately.
**A sample waiver and release is available within your profile under the resources tab if waivers are not provided through your organization.
For insurance inquiries, including proof of insurance requests, please email your name, coach license number and a brief description of your request to: firstname.lastname@example.org
USA BASKETBALL COACH INSURANCE FAQ
WHAT DOES GENERAL LIABILITY PROVIDE COVERAGE FOR?
Bodily Injury and personal injury (3rd Party)
Property damage (3rd Party)
Completion of products and completed operations
Legal Liability to Participants*
Sexual abuse and molestation
WHAT ARE THE COMMERCIAL GENERAL LIABILITY POLICY LIMITS?
$5,000,000 aggregate limit
$1,000,000 per occurrence
$1,000,000 limit for damage to premises rented (Fire Damage Limit)
$1,000,000 limit for the completion of products and completed operations
WHO IS COVERED?
Licensed coaches conducting basketball activities
Additional insured entities that are specifically named
WHEN DOES GENERAL LIABILITY COVERAGE APPLY?
When the certified coach is conducting basketball activities
*Coverage is contingent upon the player having a minimum of $25,000 medical expense and/or participant accident coverage. This can be satisfied by their personal medical coverage or a participant accident policy.