Additional Insureds: As requested and endorsed -- managers or lessors of premises, sponsors, and designated persons or organizations.

This shall include all martial arts activities approved by the USJA. Currently the only tournaments covered are "sanctioned judo" tournaments.

General Aggregate Limit	$3,000,000 (per location)
Products-Completed Operations Aggregate Limit	$1,000,000
Personal and Advertising Injury Limit	$1,000,000
Each Occurrence Limit	$1,000,000
Participant Legal Liability	$1,000,000
Fire Legal Liability	$50,000
Medical Expense Limit (to Non-Participants)	$5,000
Hired Auto and Employers' Non-Ownership Liability	$1,000,000
(Official Business of the Insured Only)

1. Waiver and Release - You must use the Waiver and Release provided on this web-site and have one signed by parent or authorized custodian signature for persons under the age of 18.  The participant must sign if 18 or older. Failure to have a Waiver on file for any participant in club activities or sanctioned events may void the USJA sanction and eligibility for the USJA insurance coverage.
2. Voluntary Medical Payments Coverage - Up to $5,000 first-aid costs for any one guest accidentally injured at a USJA or sanctioned club, owned or leased premise on, or away from premises.
3. Contact /Conduct - No coverage is provided for martial arts activities involving the use of weapons, kick boxing or breaking techniques. (Weapons are defined as sharpened blades or projectiles.)  Nor is coverage provide for free sparring activities unless each student will be furnished with a copy of written USJA rules that include at the minimum these statements:

   a) No contact is permitted to the head (except light contact to headgear), face, neck, or groin.

   b) Headgear, mouthpieces, and padded kicking boots are required for all participants.

   c) Groin cups are required for males, and chest protectors are suggested for female participants.
   

4. Non Owned And Hired Vehicles - The policy insures USJA, member associations, conferences, leagues, teams, affiliated auxiliary associations, executive officers, and directors arising out of a non owned (borrowed) or hired ('rented") land motor vehicle being used in the business of the named insured (USJA).  It is important that club owners and anyone transporting participants, referees, equipment, or other personnel on behalf of their organization have a policy in effect with adequate limits of insurance.

   Recommended minimum:

   $250,000 Bodily Injury ("BI") any one person

   $100,000 Property Damage ("PD") any one accident

   $500,000 Bodily Injury all persons in one accident

   or : $500,000 BI/PD Combined Single limit per occurrence.
   

5. No coverage is provided with respect to any claim suit or cause of action arising from an injury to the head of a contestant actively engaged in free sparring / free fighting / Kumite or similarly constituted person to person contact unless, at the moment such injury takes place, the injured contestant and his/her opponent are wearing approved protective headgear, padded kicking boots, and dental protective device (mouthpiece), whether on or away from the sanctioned USJA's club premises and regardless of whether such injury occurs during classroom activities or tournament or private or public demonstration.

Coordination of Benefits With Other Organizations

When participating in events co-sanctioned with other organizations who have applicable insurance, the USJA policy will respond in conformance with its "Other Insurance" clause and may be excess only or contributing insurance, dependent upon other available insurance.

Please note that this policy is provided with Warranties and Representations that are guaranteed by the USJA. These deal with medical insurance, use of waivers, sanction provisions, and the use of specific contest rules. Failure to comply with these warranties can jeopardize coverage.

All organizations will need to meet all the criteria required by the standard sanction application. Any outside organization would need to apply for approval. Their standards and insurance program would be reviewed before co-sanctioning can occur.