Insurance coverage

Announcing New Changes to US Sailing Commercial Insurance Coverage

Effective January 1, 2022, Chubb Insurance Company has clarified some of US Sailing’s commercial insurance coverage terms with respect to Certified Race Officials and Certified Instructors. This change has resulted in a change to secondary liability insurance coverage for Certified Race Officials and Certified Instructors under the US Sailing Policy.

Starting this year, US Sailing’s Commercial Insurance will provide liability coverage for Certified Instructors and Certified Race Officials. only when you volunteer or work at United States Sailing Championships, United States Sailing Events, and United States Sailing Courses.

US Sailing Insurance apply to to Certified Instructors when they volunteer for US Sailing or are paid by US Sailing to coach, teach, or help run a US Sailing Championship, US Sailing Event, or US Sailing Course. This does not apply to certified instructors employed by (or volunteering at) a sailing school or organization, community program, sailing club, or other organization outside of a US Sailing US Sailing Championship, US Sailing Event, or of a US Sailing run Course.

Coverage under the US Sailing Trade Policy does not apply to Certified Instructors who are a sole proprietor or corporation/LLC owner to teach sailing, coach sailing, train one or more racing teams, or offer private lessons.

US Sailing Insurance apply to to Certified Race Officials when they volunteer for US Sailing or are paid by US Sailing for actions related to being a Certified Race Official at a US Sailing Championship, US Sailing event, or an American sailing course. This does not apply to certified race officials employed by (or volunteering at) a sailing school or organization, community program, sailing club or other organization, outside of a US Sailing US Sailing Championship, US Sailing Event or a US Sailing run Course.

Coverage under the US Sailing Trade Policy does not apply to Certified Race Officials who are the sole owner or proprietor of a corporation/LLC for actions related to being a Certified Race Official, outside of a US Sailing US Sailing Championship, US Sailing Event, or sailing course in the United States.

As has always been the case, where Certified Instructors and/or Certified Race Officials are employed or volunteer with a sailing school, club or organization, the primary insurance must be provided by the sailing school, club or organization. In cases where a Certified Instructor or Certified Race Official establishes their own training/sailing facility, insurance must be purchased by the individual.

In light of these changes, US Sailing encourages each Certified Instructor and Certified Race Official to familiarize themselves with the insurance policy in effect at the sailing school, club, or organization where they may be working or racing. volunteering.

This change was not initiated by US Sailing, but rather due to the underwriter’s desire to clarify the extent of liability coverage provided under US Sailing’s Commercial Policy due to a recent and significant loss; the only claim that was made under secondary liability coverage. Moreover, this is the result of an increasingly difficult insurance environment.

Since US Sailing was made aware of the change the underwriter was making, we have been working both to obtain the details needed to appropriately communicate the effects of the change as well as to find alternative solutions. We have made progress in both of these areas and although the right solution has not yet been created, we continue to discuss with various insurers and other players in the insurance market in this regard and have been able to obtain enough clarity on details so that we can communicate effectively with you now. US Sailing will of course continue to work with the appropriate people in the insurance market to provide the best and most appropriate options to our stakeholders and will provide updates as they become available.

We understand that you may have questions about how these changes affect you and/or your club. US Sailing has set up a Frequently Asked Questions document which you can access here https://www.ussailing.org/education/instructor/resources/instructor-insurance/ and/or https://www.ussailing.org/ competition/rules-officiating/resources/competition-rules-officiating-resources-insurance-for-race-officials. If you have any further questions, please email [email protected]

To find out when you are eligible for coverage as a Certified Instructor, read more here: https://www.gowrie.com/pdfs/USSailing_CertifiedInstructors_GowrieInsurance.pdf

To find out when you are eligible for coverage as a Certified Race Official, read more here:

https://www.gowrie.com/pdfs/USSailing_CertifiedRaceOfficials_GowrieInsurance.pdf