Coaches General Liability Insurance

Policy Term
DATE OF ENROLLMENT – March 1, 2025

Underwriting Company
National Casualty Company

Program Cost:
$65 per instructor/coach (includes premium and fees for
placement and administration of program).
NO PRO-RATA

Named Insureds
USA Weightlifting certified instructors/coaches who meet the
following requirements:
1. Must be a current USA Weightlifting active coach member,
and
2. Must be a USA Weightlifting certified Level 1 Sport
Performance Coach or higher

Covered Activities
Coverage applies with respect to coaching, training, counseling,
and related activity within the scope of the Level 1 Sport
Performance Coach or higher certification by USA Weightlifting
(but not including USA Weightlifting’s own sanctioned events)

Additional Insureds
USA Weightlifting, Inc. and its associations, sport disciplines and
divisions. Other Additional Insureds where required by written
contract (blanket basis). Other Additional Insureds as requested
and approved.

Coverage Summary
The program provides General Liability and Professional Liability
coverage for current USA Weightlifting active member certified
Level 1 Sport Performance Coaches or higher with respect to
Covered Activities.

Coverages include:
Bodily Injury Liability
Property Damage Liability (Third Party)
Personal & Advertising Injury Liability
Products-Completed Operations Liability
Participant Legal Liability
Sports Professional Liability
TRIA/Terrorism Coverage

Policy Limits
Each Occurrence (Per Insured Coach) $1,000,000
Policy General Aggregate $5,000,000
Products-Completed Operations Aggregate $2,000,000
Personal & Advertising Injury Limit $1,000,000
Damage to Premises Rented to You 7 days or less $300,000
Participant Legal Liability* Included
Excluded Medical Expense (Any One Person)* Excluded
Deductible* None

*Failure to obtain a properly signed waiver & release form from a
student/participant in lessons/clinics will result in a deductible of
$10,000 applicable to any subsequent claim.

Exclusions:
Exclusions include, but are not limited to:
- Medical Expense (For Any Person)
- Participant vs. Participant claims
- Coaching activity outside of the scope of the Level 1 Sport
Performance Coach or higher certification by USA
Weightlifting
- Any claims arising out of USA Weightlifting sanctioned
events (since this coverage is afford through the USA
Weightlifting’s Sanctioned Events programs)
-Sexual Abuse & Molestation

Incident Report Procedures
Whenever an injury, property damage or other accident occurs
during a Covered Activity, an Incident Report Form should be
completed and submitted to:
USA Weightlifting, Inc.
ATTN: Matt Sicchio
One Olympic Plaza
Colorado Springs, CO 80909
(719) 866-4741
matt.sichhio@usaweightlifting.org

If you are aware of an incident that may give rise to a liability
claim under this policy or if you receive a legal summons or a
letter from an attorney as a result of such an incident, please
report this information immediately to USA Weightlifting, Inc.

Prompt reporting of incidents provides the insurance company
with a head start in evaluating and resolving these matters, where
possible, and ensures that the strongest possible defense can be
provided in the event that a claim or lawsuit is filed

*This summary is only a brief description of the coverage terms, conditions, and exclusions for the USA Weightlifting
General Liability policy. This summary in no way affects or alters the scope of coverage provided. Please reach out to USA
Weightlifiting for any questions on actual terms, conditions, and exclusions.

The USA Weightlifting Coaches Liability Insurance Program provides General Liability and Professional Liability insurance coverage to current USA Weightlifting active member certified Level 1 Sport Performance Coaches or higher with respect to coaching, training, counseling, and related activity within the scope of certification by USA Weightlifting.

This insurance will protect you from liability arising out of your coaching activities. Anyone providing weightlifting instruction at any level from beginner to advanced, on a paid or volunteer basis, has legal liability. The policy provides General Liability coverage for third party claims alleging bodily injury and property damage arising from your coaching activity. The policy also provides Professional Liability coverage for damages arising out of your errors or omissions with respect to your coaching, training, counseling and related activities.

Yes. With respect to covered claims, the insurance company will pay for the cost of defending a lawsuit brought against you seeking damages as a result of your coaching activities, subject to the terms, limits and conditions of the policy. Defense coverage is provided in addition to the limits of liability under the policy.

Lawsuits have been brought against coaches alleging bodily injury, disability, wrongful death, loss of income, etc. as a result of improper advice and guidance, inadequate instruction, etc. Even in cases where the athlete/student has not been physically injured, lawsuits have arisen where the athlete (or parent) believes a coach did not provide adequate instruction and thus prevented the athlete from developing into an elite athlete with a professional career.

USA Weightlifting is making this vital coverage available to its active member certified Level 1 Sport Performance Coach or higher as a benefit to certified instructors/coaches who have satisfied all of the eligibility requirements.

The current insurance program will expire on 3/1/2026.

No. USA Weightlifting has separate insurance programs covering sanctioned events. Coaches are included as insureds under the sanctioned event policies.

Yes. The policy has been written with a worldwide coverage territory. The "Coverage Territory" is defined as anywhere in the world with the exception of any country or jurisdiction which is subject to trade or other economic sanction or embargo by the United States of America.

No. The policy does not cover medical expenses, unless you are found legally liable for the student’s injuries.

Yes. This is for your protection and benefit. If you do not obtain signed waivers from your students (or from parents/legal guardians in the case of minors), your coverage will be subject to a $10,000 deductible per claim.