insurance presentation: coaches - amazon web services · “everything you need to know about...
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ESIX Divisions
Individual Athletes Teams/Associations Special Events Contractual Bonus
Established in January, 1994
Specialize in providing risk management expertise and insuranceproducts to the Sports and Entertainment Industries
As a USAT Certified Coach, Why Do I Need Insurance?
• Certification holds higher level of responsibility
• Potential bodily injury to student
• Potential claim from improper training
• Medical expenses associated with student injuries
What Insurance is Provided To Meas a Certified USAT Coach?
• General Liability – Coverage for 3rd party claims
Bodily Injury Personal Injury Property Damage Abuse/Molestation - Sublimit of $1,000,000 Host Liquor Liability
Limits: $1,000,000 Each Occurrence / $2,000,000 AggregatePER COACH
Coverage extends to cover certified USAT coaches but only as such during the coaching of an individual in the sport disciplines approved by USA Triathlon.
What Insurance is Provided To Me as a Certified USAT Coach?
• Participant Accident – Coverage to protect coach
Accident vs. Sickness
$5,000 Accident Death Benefit
$25,000 Medical Expense Limit
$500 Deductible
Secondary to any other coverage
Coverage applies while coaching or training students in triathlon approved activities.
Important Questions:
1. Does the USAT certified program cover me when I am coaching a participant during a USAT sanctioned event?
Important Questions:
2. Are the medical expenses of a student injured during an approved activity covered?
• Non-sanctioned event
• Sanctioned event
Important Questions:
3. Are there other areas, where as a coach, I could be exposed?
• Business Exposure
• Personal Property
• Workers Compensation
• Medical Coverage
• Use of Auto for Business
Important Questions:
4. Why is coverage limited to USAT/triathlon activities?
5. What are the defined sport disciplines?
6. Should I collect waivers?