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USPTA has you covered - On-court liability insurance

What happens if your student trips over a ball on the court and breaks his ankle? As a USPTA member, we've got you covered!

USPTA protects you and your family against potentially devastating losses with on-court liability/bodily injury and property damage insurance that is included in your yearly membership dues. This covers certified, professional level tennis teachers while practicing, playing, teaching or officiating tennis, pickleball and platform tennis in the United States, its territories and Canada.

In addition, you can also purchase additional insurance for your facility and nonmember assistants.

As a USPTA certified member, you may download a personalized insurance verification letter. The letter contains coverage details, including the policy number, effective period and a description of the on-court liability coverage. Click on "Insurance verification letter" in the column on the right.

USPTA Recreational Coaches may purchase the on-court liability coverage separately.

For more information, visit our FAQ.

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Facility Insurance

"ADDITIONAL INSURED" may be purchased for cities, school districts, and park and rec districts and can be added to an applicant's or member's policy. This protects the additional insured against any liability that arises from an accident caused by the tennis professional while playing, practicing, teaching, or officiating tennis, pickleball, and platform tennis on the additional insured's tennis courts. This coverage does not include or protect a teaching professional's personal business, company or LLC.

THE COST TO ADD AN "ADDITIONAL INSURED" to the liability policy is $100 per facility (a Certificate of Insurance is included). Recreational Coaches and Professional Applicants who purchase the coverage may add an additional insured for $125 per facility. The additional insured fee is neither prorated nor transferable and will cover the additional insured through the term of the policy year (from December 31 to December 31 of the next year). Payment must be received at the World Headquarters with the request for additional coverage.

Paperwork for proof of additional insured coverage will take at least two weeks for delivery; however, binder coverage will be in effect from the day that proper payment is received by the USPTA Insurance Department.

Click here to purchase insurance for your facility.

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Nonmember Employee Insurance

Nonmember teaching assistants of certified members may apply for coverage under this policy. It is necessary for a certified member to submit the names of his/her assistants, plus $125 per assistant, to the USPTA World Headquarters. The nonmember assistant must be 18 years or older. Clubs that are USPTA corporate members in good standing may sponsor their non-USPTA tennis teachers and pay the same fees ($125 each), for their coverage. It should be very clear, however, that this does not cover the club or the sponsoring certified member against any liability claims, but only the insured nonmember(s). The USPTA policy does not provide club coverage and the club must secure its own liability insurance in its usual manner. The nonmember insurance fee is neither prorated nor transferable, and will cover the nonmember through the term of the policy year (from December 31 to December 31 of the next year). When adding nonmember assistants, the effective date for their coverage is the date the letter and proper payment to the USPTA World Headquarters are received by the USPTA Insurance Department. Reapplication must be made by the USPTA sponsor for the nonmember insuree each policy year in a timely fashion, since no notices or invoices will be sent as a reminder.

Click here to purchase additional insurance.

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Liability Insurance FAQ

Why would I need a proof of liability letter?
This letter outlines the coverage the member has and gives the policy number and effective date of the policy.

What does the USPTA policy provide?
Legal liability insurance for an accident that takes place on court and arises from the tennis professional's playing, practicing, teaching or officiating in tennis, pickleball and platform tennis.

Can I add a nonmember assistant to my policy?
NONMEMBER TEACHING ASSISTANTS OF CERTIFIED MEMBERS may apply for coverage under this policy. It is necessary for a certified member to submit the names of his/her assistants, plus $125 each to the USPTA World Headquarters. The nonmember assistant must be 18 years or older. The nonmember insurance fee is nonrefundable, and is neither prorated nor transferable. When adding nonmember assistants, the effective date for their coverage is the date the letter and proper payment to the USPTA World Headquarters are received by the USPTA Insurance Department. Reapplication must be made by the USPTA sponsor for the nonmember insure each policy year in a timely fashion, since no notices or invoices will be sent as a reminder.

What should I do if an accident occurs on court?
If it becomes necessary to report an accident, a member should call the World Headquarters immediately with all details of the accident and ask for Sarah Fisher, Insurance Department.

How do I obtain proof of coverage?
IF AN APPLICANT OR CERTIFIED MEMBER REQUESTS PROOF OF COVERAGE in addition to this letter of explanation, a certificate of insurance may be requested. The cost for this is $35 for each certificate requested by a certified member or an applicant. (Click here for a sample/Click here to order) Copies of the liability policy book will be made available to a member at a cost of $35. Recreational Coaches who choose to purchase the insurance may request a copy of the policy book for $45, which covers administrative and mailing fees. All fees must be received by USPTA prior to mailing the certificate or policy.

Am I covered for pickleball or platform tennis?
Yes. The USPTA liability policy includes liability insurance, while on court, for bodily injury to others, and for damage to property not in the tennis professional's care, custody or control. It does not cover injury to the tennis professional, or damage to his/her property. The accident must have taken place on court, and arisen from the tennis professional's playing, practicing, teaching or officiating in pickleball or platform tennis. Nonmember assistants are not covered for pickleball and platform tennis.

What coverage is not provided?
USPTA does not provide coverage for clubs, camps, clinics, academies, etc. If these facilities or programs wish to be insured, they must contact their local insurance agent. The USPTA liability insurance program covers each USPTA member who teaches at clubs and other facilities or in various camps, clinics, academies and other such businesses, but does not cover the club, facility, camp, clinic or academy as a business entity. If a lawsuit is initiated because of an accident at any of these facilities, the USPTA liability insurance will protect the professional as an individual, but the owners, directors or other principles of those facilities must have their own insurance to cover any liability that may occur due to their own negligence or act.

THE LIABILITY POLICY DOES NOT COVER AN APPLICANT OR MEMBER'S LIABILITY AGAINST ACCIDENTS THAT OCCUR WHILE TRANSPORTING STUDENTS TO AND FROM OFFICIAL TENNIS EVENTS, SUCH AS TOURNAMENTS OR INTERCLUB MATCHES.

The applicant or member will need to ascertain that his/her personal insurance is adequate and appropriate for the use of that vehicle.

Can a facility be covered under my policy as a member?
"ADDITIONAL INSURED" COVERAGE MAY BE PURCHASED FOR A CLUB, CAMP, ETC., and can be added to an applicant's or member's policy. This does not mean that the club, camp, etc., is covered against any liability that might arise due to its own negligence or act. It simply means that the club, camp, etc., would be covered for any vicarious liability arising from an accident caused by any applicant or certified member or insured non-USPTA member (as stipulated in paragraphs II and III). If the club is held negligent, it could be sued separately and would not be covered by the USPTA member's insurance and consequently still would need its own liability insurance coverage.

THE COST TO ADD AN "ADDITIONAL INSURED" to the liability policy is $85 per facility (a Certificate of Insurance is included). Recreational Coaches who purchase the coverage may add an additional insured for $125 per facility. The additional insured fee is neither prorated nor transferable and will cover the additional insured through the term of the policy year (from December 31 to December 31 of the next year). Payment must be received at the World Headquarters with the request for additional coverage.

Paperwork for proof of additional insured coverage will take at least two weeks for delivery; however, binder coverage will be in effect from the day that proper payment is received by the USPTA Insurance Department.

What is territory of coverage?
The territory of coverage is anywhere within the United States, its territories or Canada. There is no coverage at this time for applicants or members who play or teach in other territories, or who do not legally reside or work in the territory of coverage.

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Sexual Abuse and Molestation Insurance

All active USPTA members in the United States, its territories and Canada may purchase $1 million worth of sexual abuse and molestation insurance.

To obtain a certificate for the Sexual Abuse & Molestation insurance coverage, you will need to provide the following documentation.

  • Individual must provide documentation of a recent nationwide background check performed within the last 24 months. The background check must include: National Sex Offender Registry, County of Residence Report and Enhanced Nationwide Report.
  • Individual must provide documentation of having attended a recent course of instruction regarding sexual abuse or molestation within the last 24 months. As an option, you may purchase the sexual abuse awareness training course through Abuse Prevention Systems at abusepreventionsystems.com.

Send documentation to: USPTA Insurance Dept., 11961 Performance Drive, Orlando, Florida 32827, or email: insurance@uspta.org. Once we have received this information, you will need to submit the payment of $50 to order the certificate of coverage.

Please contact the Insurance Department for further information at insurance@uspta.org or 800-877-8248.

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Resources


Purchase additional insurance

Insurance verification letter

 
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