https://community.usms.org/swimming/f/general/12399/usms-insurance-vs-3rd-party-insuranceThis may have been discussed in other areas of this forum but did not want to search back through to find out! So, asking two questions for club owners and members: Owners/Head Coaches: 1) Do you buy 3rd party insurance or only use insurance coverageen-USTelligent Community 12