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Q. #1. I have registered online as ski racer on an OISRA team. What type of insurance coverage do I have with OISRA?
A. #1. You have OISRA liability insurance and accident insurance coverage at any OISRA sanctioned
event or OISRA sponsored event.
- The liability insurance pays for costs you, as a skier, would incur if someone blames you for their injury or property damages, including legal fees and/or for damages.
- The accident coverage is for $50,000 and has a $2,500 deductible.
- The OISRA accident insurance is secondary to your primary insurance.
- If you have no primary accident insurance, then OISRA becomes your primary insurance and begins paying medical costs incurred from an accident after you have paid the first $2,500.
- You are not covered by OISRA insurance if
- you are participating in events other than OISRA sanctioned or sponsored events (for example, USSA or USASA sponsored events or citizen's events)
- at any time, during a sanctioned activity, you leave the sanctioned activity with or without the mutual agreement with your coach.
Q. #2. What is an OISRA sanctioned activity?
A. #2. Any training or racing where the following criteria are met:
- OISRA Policies are followed
- OISRA Division (Alpine or Nordic) Policies and OISRA Division Race Rules are followed
- a registered OISRA certified coach is present
- all participants are registered with OISRA
Q. #3. What is an OISRA sponsored event?
A. #3. Any event, such as a fundraising event, where the organizer for the event is registered with OISRA and all proceeds from the event go to OISRA.
Q. #4. I will not be representing a high school team in any OISRA races, but I have permission from an OISRA Certified Coach to train/race with the school team. Am I insured?
A. #4. Yes, you are insured if you have registered online as a Provisional Skier. The school you attend is not insured; and if you enter an OISRA race, your recorded time will not displace any high school skier's time.
Q. #5. As a registered coach, what type of insurance coverage do I have with the OISRA insurance?
A. #5. You have liability insurance and accident insurance coverage with respect to your participation as an OISRA coach at any OISRA sanctioned event and with respect to your participation at an OISRA sponsored event
- Same coverage as described for skier in Q. #1 above
- See Q. #2 and #3 for definitions of OISRA "sanctioned" and "sponsored" events
- You are not covered by OISRA insurance if you are participating in events other than OISRA sanctioned or sponsored events (for example, USSA or USASA sponsored events or citizen's events)
Furthermore, you have Abuse & Molestation insurance with respect to your participation as an OISRA coach in OISRA activities.
Q. #6. How do I become a registered coach?
A. #6. You complete the online registration, using the "Coach" registration button. You can register as a Certified Coach, a Head Coach, or a Helper Coach.
- If you work with students in an unsupervised capacity, you register as a Certified Coach.
- If you are the coach who assumes the responsibilities for overseeing the team at your school, you register as a Head Coach.
- If a Certified Coach/Head Coach is always present when you are working with the students, you register as a Helper Coach. Any adult who is not a Certified Coach or a Head Coach and works with training students is a Helper Coach.
Q. #7. If I am not a coach but I am a director or officer for the OISRA, do I have insurance coverage?
A. #7. Yes, if you are a director or an officer and you are not a coach, you have insurance coverage, but you must register online as a volunteer to have proper coverage.
Q. #8. I am a volunteer who is a race worker/race official. Does OISRA insurance cover me?
A. #8. Yes, as a registered volunteer, you have the same liability and accident insurance coverage as an OISRA racer (See Question #1). You become a registered volunteer by completing the online registration, using the "Volunteer" button.
- If you are a parent who has registered your student online, you will automatically be registered as a volunteer - and you do NOT have to register again using the volunteer registration button.
- If you are a coach who has registered online, you will automatically be registered for working as a race worker/official - you do NOT have to register again using the volunteer registration button to be covered for your decisions/actions as a race worker/official.
- If you volunteer to help with training students, you must register as a "Helper Coach." [See Q # 6.]
Q. #9. What is the term for the insurance and what does that mean for me?
A. #9. The term for the liability and accident insurance is from September 15th to March 15th. The OISRA insurance does NOT cover coaches who work with students prior to September 15th in the Fall or after March 15th in the Spring. All OISRA sanctioned or sponsored activities will take place between September 15th and March 15th.
Q. #10. What is the "Participatory Season" and what does that mean for me?
A. #10. The beginning of the Participatory Season matches the OSAA winter sports season and ends with participation in the State Meet. Any mandatory training cannot take place prior to the OSAA winter sports season. And a coach should check with a student's Fall sport's coach before including that student in any training prior to the beginning of the OSAA winter sports season.
Q. #11. Is my school insured by OISRA?
A. #11. Yes, OISRA member schools (full member schools, associate member schools, and temporary member schools) that register with OISRA have the same liability insurance coverage as OISRA coaches. (See Q #5.) A school can receive an insurance certificate naming the school as "additionally insured," on the OISRA policy with respect to OISRA activities.
- A full member school is a school that has a team of at least 3 skiers of one gender. The coach for a full member school has voting rights.
- OISRA Policies #2 defines seven different situations that qualify as "associate member schools," including but not limited to, online schools and teams with less than 3 skiers of one gender. A coach for an associate member school does not have voting rights.
- Temporary member schools allow students to participate in only specific OISRA activities.
- A coach for a temporary member school does not have voting rights.
Q. #12. I am participating in an OISRA event as a temporary member school skier or coach. What kind of insurance coverage does OISRA provide for me?
A. #12. When you register online as a Temporary Skier or Temporary Coach you have the same liability and accident insurance coverage as listed in Q #1 and Q #5 for OISRA skiers and coaches, respectively, but this coverage is only for the duration of the OISRA activity you attend.
Q. #13. I am participating in an OISRA event as a guest racer/guest coach. What kind of insurance coverage does OISRA provide for me? Is my school also insured for my participation in this event?
A. #13. When you sign the OISRA paperwork for being a guest racer/guest coach, you will have the same liability and accident insurance coverage as listed in Q #1 and Q #5 for OISRA racers and coaches, respectively. You are considered to be an OISRA skier or OISRA coach only for the duration of the OISRA event you attend. You must get this paperwork from the OISRA registrar, because the registration forms are hard copies. Registration@OISRA.org Yes, your school is also insured with respect to your participation in this event. The school must sign an OISRA school registration form that you get from the OISRA registrar.
Q, #14. As a coach, I want to take my racers to a summer training camp. Will OISRA insurance cover these activities?
A. #14 No, summer camps fall outside of the term of the OISRA insurance. (See Q #9.)
Q. #15. Is there a way to get insurance coverage for team activities that take place outside the term for the OISRA insurance (prior to September 15th and after March 15th)?
A. #15. If you are a coach for the Alpine Southern League or for the Nordic teams in Eugene, it is possible for the skiers on your team to form a Boy Scout Venture Crew, with you as a Venture Crew leader. As a Boy Scout Venture Crew, with you as their Venture Crew leader, any activities of this Venture Crew are Boy Scout activities and Boy Scout insurance provides liability coverage for Venture Crew activities twelve months of the year. Check with your Boy Scout office to get the details about this BSA Crew insurance.
Q. #16. Does OISRA insurance cover vehicular transportation?
A. #16. No
Q. #17. Does OISRA provide liability coverage to ski areas and Forest Service?
Q. #17. Yes, the OISRA insurance policy has excess liability coverage that applies to ski areas and the Forest Service. This level of liability coverage meets the requirements of all ski areas and national forests in Oregon. They receive insurance certificates naming them as "additionally insured" on the OISRA policy.
Q #18. How do I notify the insurance company that I have a claim?
A. #18. An incident report is written up for every incident (by a coach, technical delegate, or race official) and sent to the Executive Director within 72 hours. The Executive Director will contact the injured adult or the parent/guardian of an injured child. If an insurance claim may be needed, the Executive Director will notify the insurance company, and they will instruct the next procedure.