Non-Profits and Hired, Non-Owned Auto Coverage: Weird, but important...

You're running a Rugby Clinic, and the Guest Coach is arriving today at the Airport.  You ask "Bob the Prop" to pick up the Coach.  Bob the Prop drives his own car, and gets in an accident.

Normally, Bob's auto will cover anything if Bob's is at fault, or liable, for damages and bodily injury.  But what if the plaintiff wants more.

Hired/Non-Owned protects your Non-Profit, Sports Association, or Clinic as EXCESS cover over Bob's insurance.  Ranges from $500 to $1000 extra, but if you rely on volunteers who use their own vehicles, it could save you a boot to the head from a smart lawyer.

How to Set Up a Youth Sports Program

Two amazing sources colluding to tell you the truth.

Read.

RuckingInsurance.com started with Chartis 6 years ago with a small youth program in LA. 

Now we Ruck Nationwide.

Concussion Program: aHead of the Game

Vitally important info regarding youth sports, especially rugby, and concussions.

Please inquire for information, quotes on the program, and anything else related to protecting kids from this easily preventable challenge.

Concussion Coverage: SEPARATE from Sports GL and AME

Concussions... Please note this doom and gloom statement regarding the NFL:

There's a lot less money in the sport, and at first it's "the next hockey" and then it's "the next rugby," and finally the franchises start to shutter.

I will do whatever it takes to keep Rugby safe, and legally insured.

Consider ADDING a concussion program to your current Sports General Liability and Accident Medical Expense coverage.  Why?

• Loss Prevention:  Kinda like having a safety program at work to contain Workers Comp costs
• Baseline Information:  Gotta have a scan of the Players Noggin' PRE-Season, for comparison
• Awareness Education:  Getting Coaches, Players, Volunteers and Moms'n'Dads information that could save a Player's life.  
• Extra Money in the healthcare kitty:  Aflac has been selling cancer policies for years.  Why a concussion policy? 

Need more info?  Call us:  800-605-5024

Director's and Officer's Liability Insurance: What a Rugger needs to know...

The Hooker for Marin RFC described D&O Insurance as "Bad Business Decision" Insurance. Here's wikipedia's definition.

Would you want your personal assets on the line in case another Board Member or Officer of your Rugby Club made a bone-headed decision?

Yeah, I didn't think so.

If this is a concern with your organization, especially if you run multiple sides, and youth rugby program, give us a call:  800-605-5024

STOP asking for cheap health insurance... IT DOES NOT EXIST!

Kids, we need to have a talk.  Health Insurance is Expensive.  Very Expensive.  And, if you're playing rugby without it, your putting yourself at financial risk.  (Or, are you?)

Last year, Rucking Insurance Services tried promoting an $80/year adult plan, and a $26/year youth plan.  Sales were super low, and therefore the program didn't cover the claims.  Program canceled.

Yet, I still get calls for that plan?  We needed about 1,000 to purchase it last year.  We didn't get close.

A comprehensive health insurance plan could run a few hundred a month, and remember, all you Parents out there, you can NOT buy a child-only policy.  The Insurance companies won't sell it to you.

"Why?" you may ask. Because the insurance companies and the politicians want it that way.

Claims cost money.  Doctors cost money.  Hospitals cost money.  And, it's going to get worse.

But here's the interesting part:  People are still playing Rugby without health insurance.  Parents are letting their kids play without health insurance. If we're unable to hock an $80/year plan to adults, do think they'll purchase a $300/month plan?

We don't know the solution, so that's why we've been closing down our health insurance side, and have expanded into Commercial Insurance, Personal Lines like Home and Auto, and teams and leagues.

We'll always help Rugby.  Let us hope this Health Insurance debacle turns around.