Types of Insurance Available Through Membership with USA Swimming

• Participant Accident/Excess Medical Insurance – USA Swimming members and volunteers are covered under this policy for accidental injuries sustained when participating in a USA Swimming supervised, sponsored, sanctioned, or approved event. The policy covers medical costs in excess of an individual’s health insurance, and beginning in 2025, subject to no deductible if the individual does not have health insurance. For injuries that occurred prior to January 1, 2025, individuals have a $100 deductible if they do not have health insurance, and with health insurance, there is no deductible.
• General Liability Insurance – This policy provides insurance for certain third party liability claims alleging occurrences such as bodily injury, property damage, or advertising injury caused by the negligent acts of USA Swimming group or individual members and arising out of Covered Activities. Facilities will often request evidence of this insurance to allow a club to practice or host a meet at their location.

Club and LSC leaders can access additional Summary of Insurance information through their SWIMS login. Please see Insurance 101 above. If you have additional questions, please contact RiskManagement@usaswimming.org.