Liability Insurance
PSA will not be able to offer a liability insurance policy for the 2023-24 season. At this time, PSA recommends purchasing your insurance through U.S. Figure Skating or ISI.
The current insurance market for amateur/youth sports risks is very challenging right now due to concerns about the following:
Abuse claims
Concussion/head trauma claims
Legal challenges to waiver and release and assumption of risk defenses
Higher frequency and increased severity of claims
Increased potential for class action lawsuits
Claims inflation
In response to these concerns, insurance carriers are introducing more restrictive coverage terms and conditions, introducing exclusions or other limitations of coverage, reducing policy limits, increasing premium rates, and as in the case of our previous policy provider, no longer writing coverage for amateur/youth sports risks altogether.
Since the incumbent insurance carrier for the PSA coaches' program was unable to offer comparable renewal terms to the expiring program, other markets were approached in an effort to secure more favorable renewal terms. Unfortunately, all of the other insurance markets ultimately declined for various reasons, including concerns about historical loss experience, inability to offer more competitive coverage terms and conditions, limits, rates, etc.
Despite our best efforts, PSA will not be able to offer a liability insurance program option for this season. At this time, PSA recommends purchasing your insurance through U.S. Figure Skating or ISI to meet coach compliance requirements.
Health and Disability Insurance
The Chizmark Larson Insurance Agency has been in business for over 50 years and specializes in Sports Insurance Programs. We have a proud partnership with the Professional Skaters Association and are pleased to offer disability and health insurance programs for the PSA members.
As Vice President of the Chizmark Larson Insurance Agency and a current figure skating coach as well as a member of the PSA for over 15 years, Francine with Chizmark Larson understands the necessity of income protection as a self-employed individual. Chizmark Larson is pleased to be offering the important benefits of disability and health insurance to PSA members as an Association.
Health insurance products include:
Members Health Insurance Exchange High-deductible, traditional major medical insurance.
CoreHealth Insurance Guaranteed acceptance, limited indemnity medical indemnity.
Smart Rx Insurance Temporary health insurance.
MetLegal Money matters, Home & Real Estate, Estate Planning, Family & Personal Civil Lawsuits, Vehicle & Driving.
CoreDental Insurance Provides coverage for preventative, basic & major dental expenses.
Comprehensive Accident Medical Insurance for unexpected accidents or injuries.
MD Live Telehealth Contact a board certified doctor 24/7 over the phone or internet.
EyeMed Vision Insurance Insurance benefits for your annual eye exam, frames, lenses and contacts.
To get a health insurance quote online click here or call (888) 594-0757.
Disability income insurance provides for income during difficult times and is designed to replace a portion of your income if you become too sick or injured to work. Most individuals are dependent on their ability to earn an income. If you became unable to work due to illness or injury, would you be able to pay your bills on time? Disability Insurance, also known as Income Protection Insurance, does just that, it provides the insured an income even if they cannot work because of a disabling accident or illness.
PSA MEMBER DISABILITY INSURANCE PROGRAM OFFERS:
Monthly income benefits if a PSA member coach is unable to coach (work) due to an accident or illness.
Coverage for PSA member coaches includes accidents that may occur either on or off the ice.
Premium Discounts of 15% for PSA member coaches. (10% in FL, MD and NJ)
Nationwide Program; Policies are available in 50 states.
Worldwide Coverage: If a PSA member coach is out of the country and becomes ill or injured, benefits would still apply. The waiting period for the policy would begin once the insured is back in the United States.
Simplified Underwriting. (Contingent upon age, health conditions and benefit amount)
Policy benefits are tax free.
PSA MEMBER DISABILITY INSURANCE PROGRAM REQUIREMENTS:
Must be a current member of the PSA
Must be coaching 30 or more hours per week. Coaching includes both on and off ice work, ie: competitions, test sessions, invoicing, off ice lessons, parent meetings, lesson scheduling, etc.
Must have Annual Net Coaching Income of $15,000.
To receive an Association Disability Income Quote, contact Francine Larson at: 815.725.6527 or francine@chizmarklarson.com