Individual Members: Players, Coaches and Officials who are currently registered members of USA Lacrosse, and who are in good standing, are covered by the USA Lacrosse Insurance Program for the term of their membership. Fan members and International members do not receive insurance coverage as part of their membership benefits.
Coverage by Membership Category: How you register with USA Lacrosse dictates how the coverage will apply. For example, if you register as a player, you are covered when playing lacrosse (and not for officiating or coaching). Similarly, if you are registered as a coach you are covered for your coaching duties only; the insurance will not cover you if you decide to play in a tournament. In order for the Member Insurance Plan to cover you for more than one category of participation, you must indicate these multiple categories on your application.
Teams & Leagues: An important feature of the USA Lacrosse Insurance Program is that the Liability plan extends only to teams and leagues that are 100% registered with USA Lacrosse. In order for a team or league to be covered by the General Liability and Excess Liability policies, all players and coaches must be currently registered with USA Lacrosse. By doing so, your team or league as an entity will be protected by the Liability policies and you will be able to obtain Certificates of Insurance, which are typically needed in order to secure fields or facilities for lacrosse activities. In addition, the Liability plan will also extend to cover your board and volunteers if they are named in a lawsuit.
Don’t overlook this important aspect of team or league operations! Make sure your team or league is properly insured for liability so that you are not responsible for the financial and legal burden of handling a legal claim yourself.
Non-Members: No insurance coverage is provided to non-members while participating in lacrosse activities.