Dave,
If you are truly interested in insurance, coverage and risk issues, then I suggest you contact the U.S. Masters Swimming insurance broker. Contact information can be found in the 2013 Insurance Program document in the Guide to Operations www.usms.org/.../gto_ins_general.pdf
swing.... and a miss.
I guess its top secret. I didn't find any info in archived meeting minutes either.
Sure, why not? Did you feel in the dark before you knew of their existence? Nothing else has changed.
Never heard of a mystery claim being
The idea that certain types of events open USMS to excessive risk is easy to understand conceptually. I think if apples are compared to apples, the risk is not quite what has been accepted.
I'd like to know where other risks exist, and how they rate to the activities that are bearing the cost increases.
Simple question really.
I recently, and admittedly a bit reluctantly, insured an open water swim marathon event/challenge - and found it to be fairly painless. I don't consider myself an open water event director but as interest grew in the swims, I started taking a closer look at insurance. There are about 31 swimmers signed up to swim approximately 970 open water statute miles over a period of 4 days cumulatively. My focus has been recruiting kayaks and SUP paddlers. Fortunately we have more paddlers than swimmers which was a goal and perhaps a factor in evaluating the swim. The swims also occur during the week and start fairly early in the morning with lower boat traffic. Perhaps another consideration in the underwriters evaluation. I was asked to provide a safety plan to the insurance company which I did. It was not painful, just basics borrowed from the wisdom of other race directors and online examples of what a safety plan looks like. I was not asked to provide prop guards for boats as a condition of insurance. I found the insurance to be inexpensive, a little over $200 per day. It's unfortunate that the illusory monster of insuring an open water swimming event can be overstated so easily.
