Insurance faqs (updated 9/14/22)
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.
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
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.
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.
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.
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.
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.]
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.
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. 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.
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.