Wrestling With Liability Issues
The NCWA requires that All athletes competing within the association carry personal health or injury insurance. In Addition to a Schools Liability coverages, Properly registered and cleared athletes are given $10,000 of secondary injury coverages by the NCWA. Every institution granted full membership into the NCWA is covered with 1,000,000 / 3,000,000 of Liability insurance coverages from 9/1 through 3/20 each season. These coverages, properly administered protect the school, coaches & approved volunteers.
Conditions of Individual Injury Coverage
For an athlete to be covered under the NCWA's secondary coverages they must:
1. Be shown as "Cleared for Competition" on the NCWA Compliance website - www.ncwa.net
to be cleared, the athlete must register on line, sign & fax in the NCWA waiver form and appear on their teams official roster.
2. They must be insured with primary coverages through their family the school or themselves.
Conditions of Liability Coverages
The wrestling program must be an officially recognized activity on the campus of the University.
Hosted Events - Competitive events must have an Athletic Trainer assigned to the event and NCWA registered officials must be used.
All athletes participating in the hosted event must be affiliated with an NCWA, NCAA, NAIA or NJCAA recognized wrestling program
Officials and Liability
All State or NCAA Certified Wrestling officials with at least 3 years of varsity mat experience are eligible for registration with the NCWA. Coaches must use NCWA "Registered Officials" for their events to be covered by both the liability and Injury coverages offered through the NCWA. The NCWA rules are specific in requiring such officials. Teams that choose other officials not only open themselves up to league fines, but forfeit all coverages during the event in which such Non-Registered Officials are used. Registration for officials is Free.
Off Site Practice or Hosted Competition
NCWA Member Programs are automatically covered for Liability issues for all events hosted ON the school campus, provided the team is compliant with NCWA Rules. Practice or hosted competition at "Off Campus Venues" must be applied for through to the NCWA for these additional coverages to apply. There are additional fees required, contact the NCWA to get estimates for specific coverages.
Brief Coverage Description of Secondary Accident Coverage Supplied to NCWA Eligible Athletes
$ 10,000 Maximum Medical Benefit per Claim
$ 2,500 Accidental Death/Dismemberment Benefit per Claim
$ 1,000 Deductible per Claim
Excess Coverage **
Dental Benefit: Included in Maximum Medical Benefit
Carrier: United States Fire Ins. Co. (Admitted) (A Excellent A.M. Best)
**Excess coverage means policy is secondary to an injured party primary health insurance.
Policy will not cover primary insurance deductibles, co-pays, program limits, or out of network care.
See policy for complete list of eligible benefits and exclusions, including
but not limited to:
Injuries paid under workers' compensation, employer's liability laws or similar occupational benefits or while engaging in activity for monetary gain from sources other than the Subscriber. Policy will not cover primary insurance deductibles, co-pays, or out of network care.