Title: Getting CIPP’ed in USA Rugby: What It Is, Why It Matters, and Is It Worth It?
If you’ve ever played rugby in the U.S., you’ve likely heard the term “CIPP’ed.” But what does it actually mean? For new players, coaches, and referees, understanding USA Rugby’s Club and Individual Participation Program (CIPP) is crucial—and not just because it’s a requirement to step on the field. Let’s break down what CIPP entails, how its insurance policies work, and whether the cost is worth it for you.
What Is CIPP? (And Why Does Everyone Keep Talking About It?)
CIPP stands for Club and Individual Participation Program. Think of it as your golden ticket to legally play, coach, or referee in USA Rugby-sanctioned events. But it’s not just paperwork—it’s a two-part insurance package:
- Liability Insurance (protects against lawsuits if you accidentally injure someone off the field).
- Accident Insurance (covers medical costs for injuries on the field).
Without CIPP registration, you’re sidelined. But here’s what most players miss: CIPP isn’t just about compliance—it’s about protection.
Part 1: Liability Insurance—Who’s Really Covered?
The liability policy protects USA Rugby and its affiliates (clubs, unions, referees) from lawsuits if, say, you accidentally tackle a spectator or damage property during a game. But there are big caveats:
- ❌ No coverage for player-on-player injuries (this shocks most newcomers!).
- ❌ No protection for intentional acts (e.g., punching a rowdy fan).
- ✅ Covers “ordinary negligence” (like tripping into a fence).
Why does this matter? Facilities require liability insurance to host games. Without CIPP, your club can’t rent fields or join tournaments.
Part 2: Accident Insurance—Your Safety Net (With Strings Attached)
This secondary policy helps cover rugby-related injuries if your primary health insurance falls short. But players often gripe about:
- High deductibles: 1,500(ifyouhaveinsurance)or3,500 (if you don’t).
- Exclusions: Pre-existing conditions, alcohol-related injuries, infections.
- Limited payouts: Lose a limb? You’ll get 3,750–7,500 (yes, that’s all).
Key takeaway: Accident insurance is supplemental, not a replacement for primary coverage. If you’re uninsured, the $3,500 deductible means you’ll pay out-of-pocket first.
Why CIPP Fees Frustrate Players
Critics argue:
- “I already pay for health insurance!” (Thanks, Affordable Care Act).
- “Employer plans cover injuries!” (True, but gaps exist).
- “Why pay for redundant coverage?”
Yet USA Rugby defends CIPP as non-negotiable. Why?
- Liability claims are expensive: One year saw $4M+ in payouts.
- Fields demand proof of insurance: No CIPP, no play.
Is CIPP Worth the Cost? Let’s Do the Math
- Average CIPP dues: 25–100/year.
- Average ACA premium: $226/month (for a 27-year-old).
If you’re insured: CIPP’s accident policy might save you if your deductible is over 1,500.∗∗Ifyou’reuninsured∗∗:The3,500 deductible is steep, but better than no coverage.
Verdict: For most, CIPP is a “better safe than sorry” cost—but it’s not perfect.
The CEO’s Dilemma: Why Fees Keep Rising
In 2013, USA Rugby CEO Nigel Melville proposed three options amid rising claims:
- Scrap accident insurance, cut dues by $10.
- Raise deductibles (to 1,500/3,500).
- Boost dues to improve benefits.
Spoiler: They chose Option 2. Deductibles jumped, and frustrations grew—but the program survived.
Can Teams Ditch USA Rugby and Go Solo?
Hypothetically, yes. But organizing independent leagues means:
- No access to CIPP-insured fields.
- Legal liability risks for clubs.
For now, CIPP remains the only game in town.
Final Thoughts
Getting CIPP’ed isn’t optional, but understanding it empowers you. While the accident policy has flaws, it’s a lifeline for uninsured players. And without liability coverage? Rugby as we know it wouldn’t exist.
Still confused? Check the links below for policy details, waivers, and Nigel Melville’s full 2013 letter. Got questions? Drop a comment or reach out—we’re here to help!
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