The 2009 insurance program is in place not only to provide a benefit, but also to promote risk management and loss control in order to make rowing a safer sport.

Limit of Liability per occurrence	$2,000,000
Policy Aggregate per location	$6,000,000
Products/Completed Operations Aggregate	$2,000,000
Personal and Advertising Injury	$2,000,000
Sexual Abuse & Molestation /occurrence	$2,000,000
Sexual Abuse & Molestation Aggregate	$3,000,000
Participant Legal Liability	$2,000,000
Hired/Non-Owned Auto (US Rowing organizations must now purchase this coverage. See Membership Brochure for details)	$2,000,000
Fire Legal Liability	$ 300,000
Medical Payments (non-participants)	$ 5,000
Deductible	$ 0

Features of the USRowing Liability Plan

• Includes Rowing-Camp Coverage at no extra charge
• Includes participant legal liability coverage
• No exclusion for “Player vs. Player” claims
• Includes host liquor liability coverage
• Policy services through a team of insurance professionals with personal experience and involvement in the sport of rowing, including club services

Organizations must maintain and manage their member rosters and waivers, making sure they are current.

Sanctioned or approved rowing and rowing related activities include scheduled practices, try-outs, competitions, event set-up, tear –down, meetings, banquets, ancillary events, and non-hazardous fundraisers.