Insurance
2025 Insurance Program with Willis Towers Watson
Through our group insurance program, our member organizations pay significantly less in premiums than for their own separate liability policies with similar high limits (up to $6M per occurrence). By sharing limits with USRowing and other member programs, we can significantly reduce the cost to you while providing the necessary insurance limits to cover your team, your events and our sport. We are happy to continue our partnership with Willis Towers Watson (WTW) for the 5th year running. WTW is the third largest insurance brokerage in the world. As a global leader in the sports insurance industry, WTW has enabled us to keep our 2025 organizational membership rates flat or lower compared to last year as possible despite a continuing hardening of the market.
Request a Certificate of Insurance
To request a certificate of insurance, follow the steps below:
- Renew your USRowing organizational membership into a Plus tier.
- Complete the downloadable COI request form.
- Email the completed form to usrowingcertificates@willistowerswatson.com with a copy of your organization membership renewal receipt.
Willis Towers Watson will follow up with you directly via email and send you an updated PDF copy of your COI.
Review USRowing coverage
Report a Safety Incident
We have introduced a Safety Incident Reporting form to make it easier for you to share instances of property damage, injuries, or near misses. This allow us to better help you and our insurance providers respond to potential claims, and we will also use the information collected to identify lessons learned, develop a data-driven safety policy, and provide our members with resources to improve safety.
Insurance FAQ
How do I Purchase Insurance for my club?
- Log into your organization's account using your RegattaCentral username and password.
- Click Renew or Join.
- Complete the membership form and select the Plus Membership option from the dropdown selection that is appropriate for your roster size.
Can I add on other Insurance Coverage?
Yes, Plus members have the option to add on Hired/Non-Owned Automobile Physical Damage coverage through their policy with WTW. Through additional partners, Plus members can also request information to get a quote on Directors & Officers Insurance, Crime Insurance, and Equipment Insurance.
My team/organization is holding a fundraiser that will include individuals who are not part of our club. Are we still covered?
Miscellaneous special events and activities that involve groups other than your members (or USRowing members) are included automatically with your membership subject to underwriting review. Please alert USRowing to any events you intend to host that may require specific insurance coverage, such as summer camps at members@usrowing.org
What do we need to do if we rent or sublease a portion of our boathouse to a 3rd party? Is there anything I need to do?
Yes, for purposes of your liability insurance coverage through the USRowing insurance program, our insurance carrier, Applied, requires that you comply with the requirements below.
You must have a written contract* in place that requires the 3rd party to have the following insurance requirements. In addition to the signed contract, the 3rd party must provide you with a copy of a certificate of insurance that includes each of these requirements prior to the rental or lease date.
General Liability Insurance Requirements for 3rd Parties Renting or Subleasing a portion of your boathouse:
• General Liability limit must be a minimum of $1,000,000 per occurrence
• Your member club must be listed as an Additional Insured on a primary and noncontributory basis
• Waiver of Subrogation must be included in favor of your member club
• Hold Harmless and Indemnification language must be included to you as the lessor
* When entering a written contract with a 3rd party neither USRowing nor Applied are providing any form of legal advice with respect to the provisions of that contract and you should consult your own attorneys.
Are short term Learn to Row Participants covered under my policy?
Learn to Row participants receive coverage for up to three days. Clubs must collect a signed waiver from LTR participants to keep on file. If a LTR program is longer than three days, participants must join as members of USRowing. We offer a 60-day Learn-to-Row membership for just $10. This will cover new rowers at a reduced cost to try out our sport.
Do members with LTR Membership count towards my roster count?
Those with LTR Membership are covered under your policy for 60 days but will not impact your ‘roster count’ towards your organizational membership tier. We ask that the roster be maintained- meaning LTR members are either removed after participation or upgraded to Basic/Champ if they decide to stay with your team.
How do I add an Additional Insured or Certificate Holder to my COI?
Should you need to add an additional insured or certificate holder, complete the COI request form filling out the required section of Additional Insureds/Certificates Holders. Follow the above instructions to request your COI.
Will my member organization be covered if I race in an international event?
The USRowing Insurance Program only provides coverage when competing in USRowing sanctioned events. International regattas are not commonly sanctioned with USRowing, but coverage may be available. To ensure your international rowing trip is covered, reach out to members@usrowing.org
Who receives the coverage I purchase for my Organization?
Coverage is extended to members in good standing on your active roster. To be eligible for coverage, members should have current membership, signed waiver, and completed Self Attestation/SafeSport if applicable.
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