WFTDA Insurance FAQ

Here are answers to the most frequently asked questions about WFTDA Insurance.

How do I purchase WFTDA insurance?

Coverage is purchased online. Obtain instructions from your league's insurance representative. If you do not know who that is, or if you do not currently skate with a league and wish to purchase coverage as an unaffiliated skater, contact insurance@wftda.com for the link and instructions.

Note: you must purchase the same insurance coverage as your league. If your league does not have WFTDA insurance, you would need to purchase the same coverage your league has in order to avoid issues with general liability coverage.

My league wants to purchase WFTDA Insurance. What do we need to do?

Adult leagues must be based in the United States and adhere to the WFTDA safety protocols in order to qualify for coverage. For additional information, contact insurance@wftda.com.

What does coverage include?

WFTDA Insurance coverage includes general and excess liability coverage in the amount of $5 million, as well as personal accident coverage, which is intended to supplement a skater’s primary insurance.

I don’t have primary insurance. Can I still purchase WFTDA insurance?

We strongly recommend that all skaters carry primary insurance; your league may require that you carry primary insurance. The personal accident coverage through WFTDA insurance is intended to supplement primary insurance, not replace it. Roller derby injuries are expensive. If you do not have access to primary insurance, we recommend additional supplemental coverage like that offered through Extreme Sports Insurance (see <xsinow.com> for additional information) in addition to the coverage available through WFTDA Insurance.

I have primary insurance. Why do I need WFTDA Insurance?

Coverage through WFTDA insurance is not limited to personal accident coverage, it also includes general liability coverage, which protects the skater, fellow league members, and the league from third party liability. All skaters must purchase this type of insurance in order to avoid gaps in coverage.

Can my league force me to purchase coverage?

Your league may refuse to allow you to participate if you do not purchase insurance coverage. General liability coverage is a basic business requirement, and your league is a business, first and foremost. General liability coverage protects you, your league, and your fellow league members.

I purchased coverage. Now where’s my ID card? (Or, what is my ID?)

WFTDA Insurance does not send out ID cards – they are expensive to administer and a huge waste of resources. You may log in to verify your ID by going to <www.wftda.com/login> and going to your profile page.

My league has WFTDA Insurance. Who can skate with us?

Any WFTDA insured skater or league. The WFTDA also has reciprocity agreements with MRDA, CRDi, RSC, Francis L Dean, and USARS.

Note: If you host a USARS skater or league, as part of our reciprocity agreement, USARS requires that host leagues sanction or charter through USARS in order for their insurance coverage to be in effect. Regardless of insurance, all visiting skaters may be required to sign a liability waiver prior to being permitted to participate.

What is “reciprocity"?

It means we have a mutual agreement with those insurers to recognize and honor that coverage. This means skaters are not required to purchase additional insurance coverage when they visit a league that has different insurance. If you sustain an injury, you would file a claim with your own insurance provider.

I was injured at a bout/scrimmage/league practice. What should I do?

WFTDA accident reports must be submitted within two weeks of your date of injury or your claim may be denied. Your league insurance rep has the necessary forms and paperwork. Forms may also be found on the WFTDA Sharepoint site, or requested from claims@wftda.com.

I submitted an accident report, now what?

If you have primary insurance, all claims must first be submitted to your primary insurer. When you have met, or are near reaching the deductible ($1500 for skaters with primary insurance, $7500 for skaters without primary insurance), contact claims@wftda.com to request claim information. Instructions and a proof of loss form will be mailed to the address you provided on your accident report. You must complete and return the proof of loss form to our insurer. The letter contains instructions for submitting claims and bills. Retain the letter, as it is the only instruction you will receive. After the initial accident report has been submitted, billing may be submitted for claims for up to one year from the date of injury.

Where do I have my doctor submit bills?

All billing and claim information should be sent directly to you. You will then forward it to our insurer for payment or reimbursement after you have initiated a claim. Please do not have your doctor submit bills directly to WFTDA, as this will only delay the payment process. Again, all bills should be sent to you.

Where do we find our league insurance number for sanctioning paperwork?

Your league insurance number is the Cert Number, located on the top right corner of your league’s certificate of insurance.

When do I need a certificate of insurance and how do I get one?

Certificates of Insurance, or COIs, are provided to leagues, not individual skaters. Your league may request a COI by completing and submitting the COI spreadsheet, which may be obtained from insurance@wftda.com. Allow a minimum of three business days for processing. COIs for your venue should only be requested if your venue requires to be listed as a certificate holder or additional insured. If your venue does not request a COI listing them as a certificate holder or additional insured, your league COI is sufficient to provide as proof of insurance. Your league may request up to five COIs at no cost. Additional COIs may be requested for $5 each.

We have a visiting skater coming from another league. What do we need to do?

All visitors, including non-skating volunteers, must sign the event waiver, which may be obtained on the WFTDA Sharepoint site or by emailing insurance@wftda.com.

For practices/scrimmages: visiting skaters are not required to have insurance. If the visiting skater has USARS and they become injured, the host league must sign their USARS accident report.

For bouts/boot camps/events open to the public: All skaters must be insured. If the visiting skater(s) has (have) USARS, the event must be sanctioned through USARS. The visiting USARS skater/league must comply with USARS sanction requirements. Sanctioning is not required for visiting USARS officials.

Are tryouts covered?

We do not insure skaters trying out. Be sure all skaters sign a liability waiver prior to being permitted to try out. Skaters are not required to purchase insurance coverage until they have completed their tryout period and joined your league.

Can minors skate with us?

All skaters with your adult league must be 18 or older. Our liability waiver states that the signer is 18 or older. Minors may not indemnify your adult league, and our insurer will not cover the liability of a minor skating with an adult league. Yes, even if the minor is 17 years, 364 days and 23 hours old. Skaters must be 18 or older. Absolutely no exceptions!

Can minors volunteer to assist our league?

Everyone who participates with your league must sign the event waiver, which states the signer is 18 or older. If they cannot indemnify your league (and minors cannot), they should not be permitted to participate with your league. Our insurer won’t cover the liability of a minor involved with an adult derby league. All volunteers must be 18 or older.

Our league is affiliated with a junior league. How can we involve them?

Minors present an enormous liability because they cannot indemnify your league, nor can a parent waive the rights of a minor. Adults may only participate with juniors in a coaching or officiating capacity, and background checks may be required of adults who do participate in this manner. Junior participation at your adult bout must be limited to their involvement with their junior league. For example, they may sell merchandise or pass out fliers for their junior league at your adult bout. They may also participate in a halftime or demo (juniors only) bout. This is the extent they may participate with your adult league.

My league is hosting a bout, what do we need to do for insurance?

Plan ahead! At least 30 days in advance, your league should request a certificate of insurance from the visiting league so that you may verify their insurance. If the visiting league has WFTDA insurance, CRDi, RSC, MRDA, or Francis L Dean, nothing further must be done. All visitors must sign the event waiver prior to participating.

If the visiting league has USARS, the visiting league must sanction through USARS. You must provide a certificate of insurance to the USARS league 45 days in advance, allowing them sufficient time to sanction the event through USARS. Request a copy of the sanction once it has been processed. All visitors must sign the event waiver.

If a visiting referee has USARS, USARS will cover the referee without requiring the event be sanctioned through USARS. This applies to skating officials, only. The visiting official must sign the event waiver.

Please do not wait until the day before your bout to take care of insurance requirements. All visitors must sign the event waiver prior to participating. That includes volunteers, officials, photographers, skaters, coaches, ALL visitors.

Who is responsible for liability insurance of a venue?

The host league is responsible. The host league must verify that everyone participating has insurance coverage. This ensures there are no gaps in the general liability coverage. If a spectator were to be injured by a skater, the spectator may bring suit against both of the leagues, and their skaters. This is why BOTH teams and all skaters must have insurance. This is also why, if a league hosts a USARS skater or league, the visiting league must sanction through USARS, so that their insurance coverage is in effect.

My league is hosting a fund-raiser activity. Is this covered?

Most fund-raising activities are covered under the general liability policy. Alcohol liability is excluded unless your league purchases separate coverage. For additional details, contact insurance@wftda.com.

Does anything “void” our coverage?

Nothing “voids” your coverage, but certain activities, like failing to adhere to the safety protocols, not wearing required safety gear, or skating under the influence, will result in claims being denied if an injury is sustained as a result.

Am I covered every time I put on skates?

WFTDA Insurance covers skaters at league practices, scrimmages, bouts, tournaments, and boot camps that comply with the safety protocols. Coverage is limited to roller derby activities, no other skating activity is covered.

I’m going outside of the United States and plan to skate with a derby league abroad. Am I covered?

At this time, coverage through WFTDA insurance is limited to the United States and Canada. If you are traveling elsewhere, contact your primary insurer to determine if your coverage is valid in the country you will be traveling to. You may also look into purchasing travel insurance to cover you while abroad.

My league is not based in the United States but our skaters/league will be traveling to the U.S. for tournaments/boot camps. Will WFTDA insurance cover us?

Yes, you may purchase coverage if you will be participating in roller derby activities while in the United States. Contact insurance@wftda.com for more information.

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