USA Swimming offers, as a benefit of membership, insurance coverage to its members and member clubs to include general liability and excess accident medical coverage. For more comprehensive information on Insurance coverage and Operational Risk and links to appropriate forms, visit

USA Swimming's Insurance website

USA Swimming's Operational Risk and Insurance website

Report of Occurrence Form
The USA Swimming Report of Occurrence form is to be completed for any accident at a meet, practice, or other team function. Please submit this hard copy to the PC Office, as well as submit a digital copy to USA-S.

Did you know? Your USA Swimming insurance does NOT cover your practices, including activities in and out of the water, if you have a non-registered individual participating with your registered members. Even if one individual has failed to renew their 2023 USA Swimming membership, your entire practice is uninsured

The only exceptions are the following:

  1. If there is a lane separation (e.g., USA Swimming members are in lanes 1-3 and non-USA Swimming members are in lanes 4-6). However, one coach cannot supervise both groups at the same time.
  2. If the unregistered individual is involved in a USA Swimming tryout.
  3. If the non-USA Swimming members are current U.S. Masters members.

Make sure your USA Swimming member club, as well as your athletes and coaches, are covered by requiring 2023 individual USA Swimming registration.

Follow this guide to help your members complete their registration in SWIMS by providing instructions with your team registration link included.