Tuesday Night Rucking Drills: Club Embezzlement and Long Term Injury

Two sad stories regarding Youth Sports:

• Some Jackalope decided to steal money from a Youth Sports Team. Solution: Keep the books open to the public, audit frequently.
• "You're fine! Keep playing!" Rugby is a rough sport, and 99.99% of Youth players will NEVER play professionally. If in doubt, sit the kid.
  

Simple insurance solutions exist for the above scenarios. I'm curious what USAR has in terms of cover?