K&K’s USMCA Certified Coaches Insurance Program Details & Application

UPDATED: 2/5/2020, 9:45am PST

***Must be USMCA Certified Coach to apply for this insurance rate and program.***

2020-21 USMCA Certified Coaches Insurance Program

Information + Frequently Asked Questions:

Calling all USMCA Certified coaches! The 2020-21 USMCA Certified Coaches Insurance Program with K&K Insurance is now available and ready for purchase. Here is how it works along with a few frequently asked questions:

What is the “Program”?
The USMCA has purchased an insurance policy for the 2020-21 year to be able to offer General Liability insurance at an affordable rate to USMCA Certified Coaches. Certified Coaches are able to become insured under our policy at an affordable rate and receive their own Certificate of Insurance under the USMCA’s paid premium. This policy is intended for coaches who are actively coaching through tracks, promoters, schools, practices, events, races, and programs that already have primary insurance coverage, which will allow you to be protected by the USMCA Certified Coaches Insurance Program as a Certified coach.

As an example (dirt bike):
If a coach always instructs his/her riders at LACR MX (a track which has primary insurance coverage) and the coach is insured through the USMCA Coaches insurance, the coach will be protected through the USMCA Certified Coach Insurance with K&K Insurance. Furthermore, say a rider is participating in an event or practice at LACR MX with their coach present and that rider wrecks and is injured. The rider could make a claim against the coach for teaching them a specific technique that they believe caused the wreck and damages. The track and track policy could make the contention that they have no liability as the coach was working on their own (not hired by the track) and the track was not negligent in any way. The track or event’s coverage might not respond to a coaching claim as it is not a part of their operations. The USMCA/Coach policy would then cover the coach up to the policy limits.

As an example (sport bike):
If a coach always instructs his/her riders at Thunderhill Raceway (a track which has primary insurance coverage) and the coach is insured through the USMCA Coaches insurance, the coach will be protected through the USMCA Certified Coach Insurance with K&K Insurance. Furthermore, say a rider is participating in an event or practice at Thunderhill Raceway with their coach present and that rider wrecks and is injured. The rider could make a claim against the coach for teaching them a specific technique that they believe caused the wreck and damages. The track and track policy could make the contention that they have no liability as the coach was working on their own (not hired by the track) and the track was not negligent in any way. The track or event’s coverage might not respond to a coaching claim as it is not a part of their operations. The USMCA/Coach policy would then cover the coach up to the policy limits.

Why is insurance important to me as a coach?
In any business, lawsuits can be brought against an individual or entity and it is important to guard your assets with insurance. Insurance will provide protection to an individual or entity up to the policy limits.

What type of insurance policy is this?
The USMCA Certified Coaches Insurance is a Commercial General Liability policy that also includes Legal Liability to participants. This means it covers you while you are at a primary-insured facility/event for injury claims of the student brought against the coach. Coverage includes damages for property damage, bodily injury, advertising injury, libel/slander, etc. The policy includes Occurrence coverage, which means you would have coverage as long as the claim occurred during the dates you were covered under the program. So, if you receive a lawsuit or attorney letter 1-2 years after you coached a student, you’re covered if the covered incident occurred during the policy period.

Waivers information and why they are important?

  • When you become insured with the USMCA Certified Coaches Insurance Program, you will be given the free PDFs of the Adult and Minor Release & Waiver Indemnity Forms.
  • The waivers should be used at all times to help defend you upon any claims.
    USMCA coaches who secure insurance through the program would only have to collect one waiver per participant for the full year (annual waiver). There is a spot on the top of the waiver forms to include the description and location of the events. It should read “2020 events in which {name of coach} is providing instruction to {name of rider}.
  • It is imperative that the waiver not be altered (font or format) and be printed in COLOR to be valid.
  • The forms need to be signed in front of (witnessed by) the insured coach. If the insured coach is not able to witness the signature, the participant must have it notarized.
  • Minor waivers: Each participant must sign a waiver, so a separate waiver for each minor participant must be properly completed.

Who is the insurance policy through?
The carrier is Scottsdale Indemnity Company, a Nationwide company. K&K Insurance is the managing general underwriter and we work with a K&K representative who is assigned to support our team with the USMCA program. The representative will process all applications, issue the Certificate of Insurance, and is available to answer your insurance-specific questions.

How much does it cost?

  • Dirt Bike Coaches or Dual-Certified Coaches: Insurance is $428.00 total (Discounted after 7/1: $214) for the 2020-21 policy year (see effective dates below).
  • Sport Bike Coaches Coaches: Insurance is $215.00 total (Discounted after 7/1: $108) for the 2020-21 policy year (see effective dates below).

When does the policy start? When does it expire?

  • The USMCA insurance policy starts on February 1, 2020.

    (Note: Each Coach’s coverage will go into effect on the day their application and payment are accepted.)

  • The USMCA insurance policy expires on February 1, 2021.

If my USMCA Certification expires am I still insured?

USMCA Certification must be active to qualify and/or continue to participate in the USMCA Certified Coaches Insurance Program.

Policy Limits & Deductibles:

policy limits of the 2020-21 USMCA Certified Coaches Insurance Program

Does this policy cover my training outside of a closed-course track/facility?
Off-road vehicle parks, mud parks, and non-competitive participation facilities are not covered. Please reach out to our insurance representative for assistance on obtaining insurance at an exclusive rate for USMCA Certified coaches in special areas.

How can I get Primary event coverage for an event I am hosting?
In this requirement, the coach would be hosting an event would be where you would need to protect yourself AND the facility. If any certified coach does require primary event coverage, it can be obtained through K&K Insurance at an exclusive rate for USMCA Certified coaches. To get more details on this, please contact us and we can connect you with our insurance representative to verify that you are USMCA Certified and can receive the exclusive rate.

If you have additional insurance questions, please email us at info@USMCA.org and we can connect you with our K&K Insurance representative. If you are USMCA Certified and would like to apply for the USMCA Certified Coaches Insurance Program, please email your application to info@USMCA.org

Other USMCA questions, comments, or need assistance signing up for the online certification course? Please submit a ticket at https://usmca.org/support/ and a USMCA team member will reach out to you. 

Steps to obtain 2020-2021 K&K Insurance with USMCA:

  1. Please fill out the 2020-2021 Application (below). 
  2. Submit the signed application to info@USMCA.org.
  3. You will receive an invoice with a secure link to make the payment. 
  4. A copy of your insurance certificate will be emailed to you from a K&K Insurance representative.

***PLEASE NOTE that you MUST complete the USMCA Coaches certification course (https://usmca.org/usmca-certification-portal/) as the insurance will not bind and we can not provide proof of coverage until coach becomes certified by the U.S. Motorcycle Coaching Association.