Certificate of Insurance Requests

Registered clubs can request Certificates of Insurance (COI) by completing the form below.

You will receive the certificate within 3 business days.

COI REQUEST FORM

Participant Accident Insurance (PDF)

Summary of Coverage/// FAQs // Claims
 

The purpose of participant accident insurance is to provide secondary benefits in the event of an injury, to registered NCR members. This means insurance coverage is supplemental to an individual’s primary health insurance coverage.

• Spot provides injury insurance to cover registered National Collegiate Rugby members while you’re participating in any NCR sanctioned event. For injuries big and small, Spot’s got your back.
• Must be a registered NCR member prior to the time of injury.
• This is secondary coverage, but will serve as primary coverage in the absence of other medical coverage.

The insurance underwriter is:

Mutual of Omaha Insurance Company

mutualofomaha.com

Mutual of Omaha Plaza

Omaha, NE 68175

 

SPOT BASIC (included with your NCR membership)
Benefits Summary	Limits
Accidental Death & Specific Loss Aggregate Limit of Liability	$500,000
Accidental Death & Specific Loss	Principal Sum Amount: $10,000 Loss Period: Loss within 365 Days of Injury
Heart or Circulatory Malfunction	Maximum Benefit Amount – Loss of Life: $10,000 Loss Period – Loss of Life: 90 Days from the accident date Malfunction Loss Period: Occurs within 72 hours after participation
Medical Expense for Accident	Maximum Benefit Amount: $10,000 per Injury Deductible: $5,000 per Injury Loss Period: Initial treatment received within 30 days of Injury Benefit Period: Benefits payable for 52 weeks from accident date
Dental Expense (covers injuries to sound natural teeth)	Maximum Benefit: Reasonable Allowable Expense per tooth, not to exceed $2,500.00 per Injury
Outpatient Physical Therapy Expense	Maximum Benefit per Visit: $50 Maximum Number of Days: 40

 

Looking for more coverage?

Because breaking a bone shouldn’t break the bank.

To learn more and purchase Spot Pro, visit ncr.getspot.com.
 

SPOT PRO (to learn more and purchase, visit ncr.getspot.com)
Benefits Summary	Limits
Accidental Death & Specific Loss Aggregate Limit of Liability	$500,000
Accidental Death & Specific Loss	Principal Sum Amount: $10,000 Loss Period: Loss within 365 Days of Injury
Heart or Circulatory Malfunction	Maximum Benefit Amount – Loss of Life: $10,000 Loss Period – Loss of Life: 90 Days from the accident date Malfunction Loss Period: Occurs within 72 hours after participation
Medical Expense for Accident	Maximum Benefit Amount: $25,000 per Injury Deductible: $0 per Injury Loss Period: Initial treatment received within 30 days of Injury Benefit Period: Benefits payable for 52 weeks from accident date
Dental Expense (covers injuries to sound natural teeth)	Maximum Benefit: Reasonable Allowable Expense per tooth, not to exceed $2,500.00 per Injury
Outpatient Physical Therapy Expense	Maximum Benefit per Visit: $50 Maximum Number of Days: 40

General Liability Insurance

General liability insurance policies cover clubs and individuals for claims involving bodily injuries and property damage for which they may be legally responsible.

The NCR membership fees include General Liability and Participant Accident insurance for players, coaches, referees, and volunteers while engaged in rugby activities including:

• Sanctioned Events, athletic and non-athletic activities
• Events organized, conducted, sponsored and supervised by NCR

A sanctioned event also includes matches where an NCR team is playing a non-NCR team.

The insurance is provided by:

Everest Life Insurance Company

 

Features	Limits
Maximum Aggregate	$10,000,000
Each Occurrence Limit	$1,000,000
General Aggregate Limit per Event	$2,000,000
Products Completed Operations Aggregate	$2,000,000
Personal & Advertising Injury Limit	$1,000,000
Damage to Premises Rented to You (7 days or less)	$100,000
Participant Legal Liability	$1,000,000 per occurrence/aggregate
Abuse and Molestation	$1,000,000 each incident limit and $2,000,000 aggregate limit
Medical Expense	excluded
Deductible	$0
Excess Liability	$5,000,000 per occurrence; $5,000,000 aggregate

Claims

How to process Accident Insurance Claims

How to process Liability Insurance Claims

General FAQs                                                                   

Are spectators covered?

Spectators are not “insured persons” and can not claim under the Participant Accident policy. However, NCR and its registered clubs are protected under the General Liability policy in the event that they are legally liable for personal injury sustained to a spectator or third party.

 

Must players be registered to be covered?

Yes. All players must be registered members of National Collegiate Rugby in order to participate in rugby activities and be covered under the insurance coverage.

 

Must coaches be registered with NCR to be covered?

Yes. A coach must register and complete the minimum coaching requirements including a background check. After a coach has completed the necessary registration steps, they will be considered “active” and eligible for insurance coverage.

 

Must referees be registered with NCR to be covered?

 No.  Referees are considered “Insured Persons” whenever they are officiating an NCR match (at least one registered NCR team) and are covered under the accident and liability policies.

By extension, the referee’s Society is protected under the liability policy if it is held legally liable for any personal injuries that were caused by the referee’s actions.

 

How much does the insurance cost?

The NCR membership fee includes insurance for players and coaches.  Referees are included at no cost.

 

Are players and coaches covered while touring internationally?

Yes. The policy applies to all matches covered events worldwide.

 

Who is covered?

The NCR Insurance plan defines the Insured as “the National Collegiate Rugby Organization, Inc. and all affiliated conferences and clubs.”

In addition the plan provides coverage to the following Insured Persons:

• NCR Registered players
• Active NCR Coaches
• Referees and other match officials while officiating an NCR match*

The liability insurance also covers non-playing officials including:

• team managers
• trainers
• physical therapists
• directors
• contractors and employees
• broadcast service providers 
• sponsors
• ball boys/girls
• co-opted volunteer workers
• other match officials of the insured.

*By extension, the referee’s Society and its officers are protected under the policy if it is held legally liable for any personal injuries that were caused by the referee’s actions.
 

Is my club covered when we play a non-NCR team?

Yes.  The insurance follows the NCR club regardless of the opponent or location.

 

I already have health insurance – why do I need participant accident insurance?

In the event of an injury, a participant may be faced with many out-of-pockets expenses that are not covered by their existing health insurance. The personal accident insurance provides supplemental coverage to help a player financially during an injury.

 

Are referees covered by NCR’s insurance program when NCR is the visiting team?

Yes. Referees are covered by NCR’s insurance program whenever the match includes at least one NCR team, regardless of location.

 

Am I covered under NCR’s policy while playing for other, non-collegiate clubs?

No.  The NCR insurance program only applies to your collegiate club. You must seek alternative insurance through the sponsoring association of the non-collegiate club (i.e., USA Rugby).

 

Who do I contact if I have questions about insurance?

 Lucy Zugschwert, Marketing & Membership Services Director

lucy@ncr.rugby

(551) 298-4251

As part of NCR’s insurance program, we are pleased to provide the following features for referees:

1. no-cost liability and accident insurance
2. coverage that does not require NCR membership
3. indemnification for the referee organization and its officers
4. coverage for any match that includes at least one NCR team no matter where the match is played (in the US, Canada or overseas)
5. effective for all NCR matches after August 1, 2020.

Referees do not need to be registered with NCR to be eligible for matchday liability insurance. However, if a referee wants to be eligible for participant accident insurance, they must register with NCR at no cost. As a registered member, referee will receive updates regarding NCR collegiate rugby news and have access to the NCR’s competition management system.

For free NCR membership, referees can sign up through our membership portal or review the registration FAQs.