U.S. Ski & Snowboard Member Services Knowledge Base

What types of coverage should my club have to make sure we are adequately insured?

General liability policy minimum recommended standards


  • AM Best Rating of “A” or better

  • $1,000,000 each occurrence/$2,000,0000 policy aggregate

  • Sexual Abuse and Molestation Coverage – Coverage for alleged or actual abuse and molestation claims

  • Participant Legal Liability – Coverage for bodily injury claims arising from sports participation, including coverage for concussion/head trauma related claims

  • Spectator Liability – Coverage for bodily injury claims arising from spectators

  • Who Is an Insured – Includes members and supervisory staff of the ski club, officials, coaches and volunteers

  • Coverage for ski and snowboard competition, training, and club activities



In addition to a general liability policy, clubs may want to consider some or all of the coverages noted below to ensure they are adequately insured.

  1. Directors & Officers – Available through American Specialty through an online application process at http://www.amerspec.com/ussa_cov/
  2. Property and Casualty if owned property warrants such coverage
  3. Auto insurance for transporting kids, etc.
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