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Insurance Program Summary - Youth (1/1/19 to 8/1/19)


As a benefit of membership, soccer players, coaches, officials and other registered members receive accident and general liability insurance coverage for their Covered Activities of US Club Soccer via the Insurance Office of America, Inc. (IOA), as outlined below.

This page is only a summary of the policy benefits, terms and conditions, and does not alter, broaden or limit coverage in any way.

Accident Insurance

General Information:

This policy provides coverage for accidental injuries incurred by Insured Persons, while participating in Covered Activities of US Club Soccer. This is a full excess policy, meaning insurance is payable in excess of any other valid and collectible health plan or insurance in force at the time of the accident causing injury. All medical bills need to be processed through your primary insurance plan prior to submission to the claims administrator, A-G Administrators, Inc. To be eligible for coverage, medical and/or dental expenses must be incurred within the Benefit Period. The underwriting carrier is United States Fire Insurance Company.

If you are covered by another full excess insurance policy (such as through a state association or other U.S. Soccer Member Organization) that is applicable during the time of injury, this policy will respond to eligible expenses on a 50/50 split with the other full excess insurance policy.

Policy Limits:

  • Accident Medical/Dental maximum: $100,000
  • Accident Death & Dismemberment: $5,000
  • Deductible per claim: $500 (applies to each covered accident)
  • Co-insurance: 80/20
  • Benefit Period: 52 weeks from date of injury

Who is Covered:

Under the accident policy, the following are covered as Named Insureds: US Club Soccer and its member clubs, teams and leagues; all registered players and players participating in try-outs (7 consecutive days or fewer); all member coaches and officials; volunteers of the team or league and other participants affiliated with the Association.

Covered Activities:

Registered members and volunteers are covered when participating in the following covered activities:

  • Scheduled games, team practice sessions and sponsored activities, provided that they are under the direct supervision of a team official; or tournaments sanctioned by the Association, as a member of a contestant team.
  • Group travel directly to or from such scheduled practices, games or sponsored activities is covered under the Accident policy. The Liability policy provides Hired/Non-owned auto liability only for the official business of the Association.
  • No coverage is provided under the liability policy for parents, coaches or volunteers using any automobile to transport team members or volunteers to any practice, game or activity.

Uncovered Activities:

Some of the types of losses or expenses not covered by this plan are: Dental expense, except for treatment resulting from injury to natural teeth; suicide or self-inflicted injury; eyeglasses or hearing aids; injury due to participation in a riot; injury resulting from declared or undeclared war; cosmetic surgery, except for reconstructive surgery as a result of the accidental injury; infection, except pyogenic or bacterial infection as a result of the accidental injury; travel in any aircraft except as a fare-paying passenger on a commercial aircraft; injury that is eligible for coverage under workers compensation; being intoxicated or under the influence of drugs or narcotics; and claims occurring while hang-gliding or parachuting.

Liability Insurance

General Information:

This policy provides general liability coverage for Named Insureds for the Covered Activities of the Association. The underwriting carrier is Everest National Insurance Company.

Policy Limits:

  • Liability – per occurrence: $1,000, 000
  • Liability – policy aggregate per club: $3,000,000
  • Participant Legal Liability: $1,000,000
  • Products/Completed Operations – aggregate: $3,000,000
  • Personal Injury/Advertising Injury: $1,000,000
  • Hired/Non-owned Auto Liability: $1,000,000 (official business of US Club Soccer only; no coverage for member activities)
  • Premises Rented to You: $1,000,000
  • Medical Expense (to non-participants): $5,000

Who is Covered:

The Association, its member clubs, teams and leagues, and its member players, coaches and officials are all Named Insureds under this policy with respect to operations and sponsored activities of the Association.

Covered Activities:

  • All Operations of the Named Insured Soccer Association
  • Claims for liability or negligence for bodily injury or property damage arising out of sponsored activities, premises or operations of the association, its member teams and leagues and participants.
  • Liability for Personal or Advertising Injury, including false arrest, detention or malicious prosecution, or violation of right to privacy.
  • Hired/Non-owned auto liability is provided only for the official business of the Association.

Certificates of Insurance:

Liability certificates of insurance will be issued on behalf of member clubs, teams and leagues to facility and field owners who need proof of coverage. Requests should be sent to US Club Soccer, who will process your request in conjunction with IOA Insurance Services.


The usual Standard Commercial General Liability policy exclusions apply, such as Worker’s Compensation, Nuclear Energy, Pollution and Lead; also, use of trampolines and fireworks is excluded. No coverage is provided for parents, coaches or volunteers using any automobile to transport team members or volunteers to any practice, game or activity. Excess Hired/Non-owned Auto coverage may be purchased for those activities.

Other Uncovered Activities & Coverage Clarification Questions:

Camps sponsored or operated by a US Club Soccer member club are not covered by the general US Club Soccer members’ insurance program.

To obtain camp or other supplemental insurance, or for coverage clarification questions, please contact IOA’s John Burkart at (949) 466-5407 or, or JD Wallum at (719) 651-5582 or