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Insurance faqs (updated 7/28/23)

Q. #1 I have registered online as ski racer on an OISRAN team. What type of insurance coverage do I have with OISRAN?

A. #1. You have OISRAN liability insurance and accident insurance coverage at any OISRAN sanctioned 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 has a $100 deductible and is secondary to your primary insurance.
  • You are not covered by OISRAN insurance if
    • you are participating in events other than OISRAN sanctioned or sponsored events (for example, US Ski & Snowboard sponsored races or citizen's races).
    • you have a mutual agreement with the coach to leave the training session.
Q. #2. What is an OISRAN sanctioned event?

A. #2. Any training or racing where the following criteria are met:

  • OISRAN Policies and OISRAN Race Rules are followed
  • a registered OISRAN certified coach is present
  • all participants are registered with OISRAN
Q. #3. I will not be representing a high school team in any OISRAN races, but I have permission from an OISRAN Head Coach to train/race with their team. Am I insured?

 A. #3 Yes, you are insured if you are being supervised by an OISRAN Certified Coach and you have registered online as a Provisional Skier.

Q. #4. As a registered coach, what type of insurance coverage do I have with the OISRAN insurance?

A. #4. You have liability insurance and accident insurance coverage with respect to your participation as an OISRAN coach at any OISRAN sanctioned event.

  • Same coverage as described for skier in Q. #1 above
  • See Q. #2 for definition of OISRAN "sanctioned" events
  •  You are not covered by OISRAN insurance if you are participating in events other than OISRAN sanctioned events(for example, US Ski and Snowboard sponsored events or citizen's events)

Additionally, you have liability and accident insurance coverage with respect to your participation as a race worker/race official at OISRAN sanctioned events. [See Q. #6.] and you have coverage with respect to your participation as an OISRAN director or officer.

Q. #5. How do I become a registered coach?

A. #5. You complete the online registration, using the "Coach" registration button. You can register as a Certified 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 and voting at League meetings, you register as a Certified Coach, and indicate you are a Head Coach on the Certified Coach’s registration form.
  • If another person who is a Certified Coach/Head Coach is always present when you are working with the students, you can register as a Helper Coach. Any adult who is not a Certified Coach or a Head Coach and works with training students must be registered as a Helper Coach.
Q. #6. If I am not a coach but I am a director or officer for the OISRAN, do I have insurance coverage?

A. #6. 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. #7. I am a volunteer who is a race worker/race official. Does OISRAN insurance cover me?

A. #7. Yes, as a registered volunteer, you have the same liability and accident insurance coverage as an OISRAN racer (See Question #1). You become a registered volunteer by completing the online registration, using the "Volunteer" 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 # 5.]
Q. #8. What is the term for the insurance and what does that mean for me?

A. #8. The liability and accident insurance provides year-round coverage. During the race season, you are covered for all training and racing. For months outside of the skiing season, you still have insurance coverage for training activities, awards/recognition ceremonies, and any ski-related activities you do with students who are registered with OISRAN.

Q. #9. Can my school be named as additionally insured by OISRAN?

A. #9. Yes. Schools that have signed school agreement forms can receive an insurance certificate naming the school as "additionally insured" on the OISRAN policy with respect to OISRAN activities.

School agreement forms can be found on the OISRAN website. They must be signed by a school official and the Head Coach.

Q. #11. Does OISRAN provide liability coverage to ski areas and Forest Service?

Q. #11. Yes, the OISRAN 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.

Q #12. How do I notify the insurance company that I have a claim?

A. #12. 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.

See the instructions for incident reporting. Both the hard copy form and an online reporting tool are available.

Q. #13. I have registered online as a GUEST skier. What type of insurance coverage do I have with OISRAN?

A. #1. You have OISRAN liability insurance and accident insurance coverage during the time you are participating in an OISRAN sanctioned event.

  • See Q. #2 for definition of OISRAN “sanctioned” events.

  • 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 has a $100 deductible and is secondary to your primary insurance.

  • You are not covered by OISRAN insurance during travel to and from the OISRAN event.

Q. #14. I have registered online as a GUEST coach. What type of insurance coverage do I have with OISRAN?

A. #14. You have liability insurance and accident insurance coverage with respect to your participation as a GUEST coach at any OISRAN sanctioned event.

  • See Q. #2 for definition of OISRAN “sanctioned” events.
  • The liability insurance pays for costs you, as a coach, would incur if someone blames you for their injury or property damages, including legal fees and/or for damages.
  • The accident coverage has a $100 deductible and is secondary to your primary insurance.
  • You are not covered by OISRAN insurance during travel to and from the OISRAN event.