Open Water Swimming Insurance

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noun - Open Water Swimming Insurance program provides coverage for the open water swimming community. It was nominated for the 2012 World Open Water Swimming Offering of the Year by the World Open Water Swimming Association.


[edit] Background

Safety is the most important issue for event organizers, associations, governing bodies, sanctioning committees, organizations, athletes, coaches and race officials and volunteers. While every possibility is prepared for by organizers in the planning of events, expect the unexpected to happen in the open water. Event organizers, athletes and coaches want to be covered by insurance. Travis England of HMBD Insurance Services, a full-service insurance company since 1918, offers comprehensive insurance coverage to the open water swimming world.

[edit] Offerings and Costs

Participant Accident Protection and Event Liability (medical and general liability insurance). $450 Minimum Premium + $100 Broker Fee. The application and approval process is entirely online.

[edit] Who Is Covered

A participant is any individual who enters the open water in an event, race, training session, camp or clinic. Participants can be of any age, ability and background. The open water venues can include oceans, lakes, rivers, bays, estuaries, channels, canals, reservoirs, dams or any outdoor open body of water.

This program provides protection for the Policyholder (event organizers, race directors, associations, organizations, teams or coaches) against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000 per occurrence and $2,000,000 general aggregate Coverage is offered through the Sports and Recreation Providers Risk Purchasing Group pursuant to the Federal Risk Retention Act of 1986.

Coverage Includes Suits Arising Out Of: Injury or death of participants, Injury or death of spectators, Injury or death of volunteers, Property damage liability, Host liquor liability (non-profit), Incidental medical malpractice, All activities necessary to conduct of practices and games, Ownership use or maintenance of fields or practice areas, General negligence claims, Cost of investigation and defense of claims, even if groundless, Optional sexual abuse and molestation, Optional hired and non-owned automobile liability coverage, Program Limits - Occurrence Form Policy

$2,000,000.00 General Aggregate
$1,000,000.00 Each Occurrence
$2,000,000.00 Products / Completed Operations
$1,000,000.00 Personal & Advertising Injury
$300,000.00 Fire Damage
Optional $100,000.00 Sexual Abuse and Molestation Coverage
Optional $1,000,000.00 Hired and Non-Owned Automobile Coverage
$5,000.00 Medical Expense for Spectators
No Deductible

[edit] Exclusions

Corporal punishment, fraudulent or dishonest acts, asbestos liability, punitive or exemplary damages, employment related practices, professional liability, total pollution, fireworks and pyrotechnics, nuclear energy liability and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.

Note: There is no liability coverage for claims arising out of any of the following activities: Tackle Football, Ice Hockey, Roller Hockey, Polo, Skin Diving, Boxing, Bungee Jumping, Motor Sports, Waterslides, Mountain Climbing, Skateboarding, Rugby, Gymnastics, Wrestling, Snow Skiing, Water Skiing, White Water Rafting, Mountain Boarding, Snow Boarding, Inline Skating, Water Polo, Ropes Courses, Rock Climbing, Kayaking, Boating, Rodeo or any other Saddle Animal Exposures.

[edit] Participant Accident Protection Program - Part 1

All participants, race officials, volunteer workers and staff members of the Policyholder (event organizers, race directors, associations, organizations, teams or coaches) are covered while participating in sponsored and supervised Covered Activities and while traveling, directly and without interruption, to and from any Policyholder sponsored and supervised Covered Activity and their homes or places of residence. Covered Activities include the warm-up and participation in an open water swimming race, event, training session, camp or clinic. Covered Person includes all participants, race officials, volunteer works and staff members of the Policyholder that can be event organizers, race directors, associations, organizations, teams or coaches.

[edit] Accidental Death, Dismemberment, Paralysis and Brain Death Benefit

If a Covered Accident results in any of the Covered Losses specified below within one year of the date of the Covered Accident, Berkley Group will pay the applicable amount.

[edit] Participant Accident Protection Program - Part 2

Maximum Medical Expense Benefit: If a Covered Person incurs Covered Expenses for treatment of an injury that resulted from a Covered Accident, within 52 weeks of the Covered Accident, Berkley Group will pay the applicable amounts, not to exceed the Maximum Accident Medical Expense Benefit of $100,000. The first such Covered Expense must be incurred within 90 days after the date of the Covered Accident.

Excess Coverage: Berkley Group will pay Covered Expenses after the Covered Person has satisfied any applicable Deductible, and only when they are in excess of amounts payable by any Other Health Care Plan available to the Covered Person whether or not claim has been made for benefits it provides.

Exclusions and Limitations: This Plan does not cover any loss to or resulting from Sickness, disease, bodily or mental infirmity, bacterial or viral infection or medical or surgical treatment thereof, except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food, Use of drugs or narcotics, unless administered under the advice of a Physician. War or any act of war, whether or not declared, Participation in any riot or insurrection, Air travel or the use of any device or equipment for aerial navigation, except as a fare-paying passenger on a regularly scheduled commercial airline, Suicide or self-inflicted injury, or any attempt thereafter, Medical service provided by any person or facility employed or retained by the Policyholder, Medical service provided by any member of the Covered Person’s household, Dental treatment, except as the result of a Covered Accident, The repair or replacement of any artificial dental restoration, Expenses payable under any Workers’ Compensation Law or similar legislation, Injury sustained while riding in or on any off-road motorized vehicle.

[edit] Summary of Coverage

General Liability Protection Program
$2,000,000.00 General Aggregate
$1,000,000.00 Each Occurrence
$2,000,000.00 Products / Complete Operations
$1,000,000.00 Personal and Advertising Injury
$300,000.00 Fire Damage
$5,000.00 Medical Expense
$-0- Deductible
Occurrence Form Policy
Admitted Basis
Coverage is afforded by Riverport Insurance Company (Admitted) (A XV A.M. Best)

[edit] Participant Accident Protection Program

$100,000.00 Maximum Medical Expense Benefit
$2,500.00 Accidental Death & Dismemberment Benefit
$100.00 Deductible Amount
52 Week Benefit Period
Excess Coverage
Coverage is afforded by Berkley Group of Companies, "A+" rated by A.M. Best Company.

[edit] Contact

HMBD insurance services - Travis England +1 (800) 272-4594 -

[edit] External links

Personal tools
Annual Recognition
Insurance and Sanctions
OWS Conferences
Race Calendar
Travel & Vacations
Education Programs
About OWP
Courtesy of