As a benefit to membership, US Club Soccer provides accident and liability insurance coverage to members while participating in US Club Soccer-operated and -sanctioned Covered Activities. Summaries of coverage are below and linked within this web page.
The insurance information on this website is a summary of the policy benefits, terms and conditions, and does not alter, broaden or limit coverage in any way. Coverage is determined on a case-by case-basis by the insurer, and US Club Soccer cannot guarantee coverage in any specific circumstance.
It is strongly recommended that Member Organizations minimally obtain the following insurance coverage, which is not included within the US Club Soccer-provided coverage:
These policies are available for purchase via the Insurance Office or America (IOA), US Club Soccer’s insurance broker, but they are also available via other brokers/insurance providers. More information on IOA’s offerings is below.
All US Club Soccer-registered youth players, coaches and staff members are covered by an excess participant accident medical insurance policy. The current policy also covers approved international travel. US Club Soccer’s member clubs, teams and leagues, and its registered member players and staff members are also insured for US Club Soccer youth activities by general and excess liability policies. For detailed information, visit the 2023-24, 2022-23 or 2021-22 Youth Summary web pages.
All US Club Soccer-registered adult players, coaches and staff members are covered by an accident insurance policy. US Club Soccer’s member clubs, teams and leagues, and its registered players and staff members, are also insured for US Club Soccer adult activities by a general liability policy. Adult members who register with US Club Soccer receive insurance coverage through the United States Adult Soccer Association. For detailed information, click here.
For activities to be sanctioned with the normal US Club Soccer-provided insurance coverage in effect, members returning to play must be in compliance with requirements/mandates established by the applicable local and state public health authorities. If members are not in compliance, the activities are unsanctioned and US Club Soccer-provided insurance coverage is not in effect.
Beyond the requirements/mandates, US Club Soccer also encourages members to follow optional guidelines or recommendations established by local and state public health authorities, to the extent applicable and possible. Members are always expected to err on the side of caution in health and safety matters.
Please see our COVID-19 web page for more information, including FAQs.
Excess Participant Accident Medical Insurance (Youth Programming):
In short, this policy provides coverage for registered members who sustain accidental medical injuries during US Club Soccer activities (ex: a player breaks his or her ankle while participating in a game) and have out of-pocket medical expenses. The policy has an exclusion for sickness, disease and infection. Therefore, there is no coverage for illness due to COVID-19.
Liability Insurance (Youth Programming):
There is no exclusion for Communicable Disease within the 2019-20 US Club Soccer-provided liability coverage. However, as with any claim, whether the US Club Soccer-provided insurance would respond to a COVID-19-related claim would be determined on a case-by-case basis by the insurance adjuster and carrier based on the specific circumstances, allegation(s) and potential legislation. Please note that these policies were not designed for claims arising out of a pandemic, and there are currently no indications on how liability policies will respond to these claims. This is new territory for everyone.
As is now commonplace, there is now an exclusion for Communicable Disease within the US Club Soccer-provided liability coverage, effective as of the 2020-21 season.
During this period of increased use of virtual platforms (digital & social media), US Club Soccer members are required to abide by these safety requirements for any virtual training sessions/meetings with youth players.
Supplemental tournament insurance is offered to hosts of US Club Soccer-sanctioned tournaments in order to obtain liability and accident insurance coverage for all non-US Club Soccer participating teams. (Teams using US Club Soccer passcards already have insurance coverage.) This simplifies attendance for teams, especially if a number of non-US Club Soccer teams are not able to obtain insurance from their state association or other U.S. Soccer member organization. To do so, please complete and follow the instructions on the form below.
For additional information related to attending a tournament, please visit the Attending a Tournament page. This includes information regarding a US Club Soccer member attending a non-US Club Soccer-sanctioned tournament, and a non-member attending a US Club Soccer-sanctioned tournament.
IOA is able to provide US Club Soccer members with a simplified way to obtain other insurance coverages and related benefits, both personally and professionally, including:
Quotes and policies from various companies can also be retrieved via IOA, giving users the ability to easily discern the best options for them.
IOA recommends that a club considers purchasing the following insurance coverages: Directors & Officers, Employment Practices Liability, Event Cancellation, Supplemental Tournament, Camp, Special Event, Workers Compensation and Property Insurance for equipment. If a club has a physical office space, IOA also recommends a Business Owners Package Policy.