Hello:

am a parent helping to start up a junior rowing club in Boulder CO -
Colorado Junior Crew. The club has been around for 3-4 years, but was
always under the auspices of the University of Colorado, as a summer camp.

We've outgrown that arrangement and are now planning to be an independent
club, organized as a 501(c)(3). I've been asked to look into what kind of
insurance we'll need.

We have an organizational membership with USRowing and I know that insurance
coverage comes with that membership. Can anyone tell me from their
experience with similar junior crew teams, is that coverage generally
sufficient or do we need to be looking into additional coverage of any kind
outside what USRowing provides?

Thanks for your help,
Jerry Lumpe