USA Gymnastics Sanctioned Event Insurance Coverage Updates for Registered Athletes and Professional Members

USA Gymnastics has several insurance programs that are directly tied to its membership programs. Listed below are the various types of insurance coverage, and with which types of membership they are associated.

Please note that the descriptions below are general descriptions of the coverage included.

This coverage provides secondary medical coverage during USA Gymnastics sanctioned events, subject to deductible.

• Covered Individuals: Current USA Gymnastics Athlete and Professional Members (Competitive Coaches, Judges and Meet Directors)
• Covered Events: USA Gymnastics Sanctioned Events
  Important Note: This coverage applies to ‘accidents’ where a time and place of the injury can be specified at a sanctioned event. It does not apply to overuse or ‘wear and tear’ injuries.
• Accident Medical Expense Benefit: Maximum Benefit of $50,000 with a $500 deductible. First expense must be incurred within 26 weeks of injury, and include expenses up to 2 years after the accident.
• Excess Coverage Provision: The amount otherwise payable by the insurance coverages will be reduced by the total amount of medical care benefits provided by any other Plan, which will be determined without reference to any coordination of benefit provisions, non duplication of benefit provisions, or any other similar provisions. All benefits will include the reasonable value of any medical expense services.

The purpose of this policy is to provide insurance coverage and protection from severe injuries that could possibly result from participation by a covered person in a sanctioned event.

• Covered Individuals: Current USA Gymnastics Athlete and Professional Members (Competitive Coaches, Judges and Meet Directors)
• Covered Events: USA Gymnastics Sanctioned Events
  • Aggregate Limit of Liability: $5,000,000
  • Covered Accident Deductible $ 50,000 (covered by above Participant Accident coverage)
  • Maximum Benefit Period Lifetime

• Named Insured: USA Gymnastics and USA Gymnastics Member Event Directors, Event Organizers, and Member Clubs - each as a Named Insured, but only while performing operations in connection with an event sanctioned in writing by USA Gymnastics.
• Covered Additional Insured: Any Person or Legal Entity in which you have a written contract, agreement or permit which requires that you name the contracting party as an Additional Insured. Others by request and endorsement, subject to underwriting approval.
• Covered Activities: All events sanctioned by and all activities conducted by USA Gymnastics.
• Definition of Participant: The term participant shall include Participant" mean actual athletes, coaches, staff members, referees, officials, medical and security personnel, employees covered by workers' compensation coverage and not subject to special credentials, media personnel, VIP's and all other credentialed personnel permitted to enter any "restricted area" during occupancy by player personnel.
• Notable Exclusions: Nuclear energy, Violation of Law Addressing Data Privacy, asbestos, pollution, bodily injury to employees, player vs player claims, employment related practices, medical payments to participant, infectious diseases or illness including but not limited to Covid-19. This is a partial list and may not include all exclusions.
• Policy Form: Occurrence Form with Broadened Coverage Endorsement
• Term: 8/1/2025 – 8/1/2026
• Limits of Liability:
  • General Aggregate Limit: $4,000,000
  • Products Complete Operations Aggregate Limit: $2,000,000
  • Personal and Advertising Injury Limit: $2,000,000
  • Each Occurrence Limit: $2,000,000
  • Participant Legal Liability: Included
  • Damage to Premises Rented to You: $2,000,000
  • Medical Expense Limit: $5,000 (Coverage is limited to Spectators at Event Premises)