Insurance coverage

Changes to US Sailing Commercial Insurance Coverage >> Scuttlebutt Sailing News

US Sailing would like to inform everyone that 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 Commercial Insurance will provide liability coverage for Certified Instructors and Certified Race Officials only when volunteering or working at US Sailing Championships, US Sailing Events and American sailing lessons.

US Sailing insurance will apply 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.

It will no longer apply to certified instructors employed by (or volunteering at) a sailing school or organization, community program or sailing club, outside of a US Sailing US Sailing Championship, a US Sailing Event or 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 race teams, or offer private lessons.

US Sailing insurance will apply 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, an American sailing event or an American sailing course. It will no longer apply to certified race officials employed by (or volunteering at) a sailing school or organization, community program or sailing club, outside of a US Sailing US Sailing Championship, a 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 sailing school, club or organization must provide primary insurance. 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 this change, US Sailing wants to ensure that individuals and clubs/organizations are prepared and protected. They recommend everyone review their own insurance policy and coverage ahead of the boating season. Individuals may wish to consult their own insurer or broker to ensure that the cover in place, including liability cover for volunteers and staff, is adequate for all situations.

Volunteers and staff are likely to ask for clarification on what coverage schools, clubs or organizations have in place, as US Sailing has recommended those they have certified to do and want everyone to be prepared for the inevitable questions.

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 rater was making, it has been working both to obtain the details necessary to properly communicate the effects of the change and to find alternative solutions.

US Sailing has made progress in both of these areas and although the right solution has yet to be created, they continue to speak with various insurers and others in the insurance market in this regard and have been able to obtain sufficient clarity in the details needed to be able to communicate effectively 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 stakeholders and will provide updates as they become available.

To answer all of your questions, US Sailing has compiled some Frequently Asked Questions documents:
Instructor Insurance
Insurance for Race Officials

For any other questions, please email [email protected]

To see details of coverage for Certified Instructors, read more here.

To see details of coverage for Certified Race Officials, read more here.

Source: United States Sail