Club Liability Insurance

If you are looking for liability insurance coverage for your NENSA Club, you have a few great options:

1. The Merriam Agency:

NEW Liability Insurance Master Policy, through the Merriam Agency, written and available exclusively for NENSA members and clubs. Details include:

$1 million dollars of General Liability Coverage
1-49 members: $150/year + $5/per member
50-200 members: $250/year + $5/per member
201+ members: $1,250/year

For additional information or to enroll, contact Jennifer Holt at: 518-393-2109, ext. 206, or by email:  [email protected]

Each NENSA club will need to submit an application, a team roster, and a check (made out to NENSA) to the Merriam Agency to get enrolled.  Jennifer will help you through the process – give her a call!  This coverage run for one year, from the date your club enrolls.

2.  USSA Club Liability Insurance Program (CLIP):

All cross country only clubs (excludes clubs with other sport programs) are priced at a base fee of either $200 for clubs with less than 25 members or $350 for clubs with 25 or more, plus a $6 per member, with a cap of $1500.  The policy includes general liability of $1,000,000 each occurrence; $5,000,000 General Aggregate enhancement. The U.S. Ski & Snowboard CLIP insurance calendar year runs from July 1 – June 30 annually.  All club members must also be U.S. Ski & Snowboard members to get this coverage. For full information on U.S. Ski & Snowboard CLIP coverage you can go to: contact U.S. Ski & Snowboard Member Services at [email protected] or by phone at 435.647.2666 for more information or to sign up for CLIP.

Directors & Officers coverage is also available to qualifying clubs. Pricing starts at $575 for $1,000,000 in coverage, and $875 for $2,000,000 in coverage.  D & O eligibility is determined through a series of questions in the online registration process. This is great pricing and a great market value.  Please go to to purchase D & O insurance.