Athletes under 18

Hi. New USMS coach. I am starting up a new team in conjuction with a triathlon coaching service and race team. We have junior racers on the team. These are kids 13-18 that are NOT affiliated with USA Swimming (small town politics). These are kids that want to get better at Tri/OWS racing. My questions are: Can the kids register for USMS membership so that the liability insurance remains intact? Can the kids workout with a USMS group (and not be registered) and maintain liability coverage? Can the kids be in a separate lane but still have the USMS coach at same time as USMS swim group? Thanks.
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