"Bodily Injury or Property Damage: The policy DOES NOT respond to any event or
activity, workout or organized practice except when scheduled under the direct physical
supervision of a coach or staff member approved by the Named Insured."
I don't know if that is up to date, or if it applies to your case.
That is under the Commercial General Liability Coverage section and (I believe) would apply to the rinks liability for an injury.
Under the Sports Accident Coverage section it states:
Class II – While participating in figure skating lessons, practices
and competition sponsored, sanctioned and supervised
by the policyholder including travel to, during or after such activities as a member of a group in transportation furnished or arranged by the policyholder.
It could center around "supervised". The rink always has someone in charge, but not necessarily on the ice or outside the rink but observing skaters. The practice session is obviously sponsored and sanctioned by the rink.
"There should never be unsupervised activities on the ice. A coach/instructor or
responsible adult must supervise all skating activities."
I bet the USFSA says they are not responsible for injuries occurring without direct instructor supervision...
I'm not a lawyer. You may need one.
That is under a Risk Management article and is appears to be addressing rink liability.
It would cost A LOT to cover the costs of injury treatment, lost income, and lost time. There is no way they can cover the costs of most injuries, for the prices USFSA charges. In some ways, it isn't good for sports and those who participate in them to have other people be held responsible for your injuries unless they caused them - most sports facilities and clubs would have to close down. OTOH, it may reasonably be asked why USFSA insists skaters in BS classes get sports accident insurance. There should be some benefit, to someone other than the USFSA.
With a $2500 deductible and being secondary they probably don't expect to pay out very often, and probably don't in reality either. I believe the Sports Accident insurance is included as a PR move. USFSA is not insisting BS skaters get insurance but rather provides it as a benefit.
If my claim is denied I probably won't pursue it beyond one appeal, certainly not worth getting a lawyer. I expect to recover $1500 maximum, which while not a trivial amount , is also not something I originally expected or counted on so any amount will be gratefully welcomed.
I didn't pursue anything earlier because I certainly knew the rink wasn't responsible for my fall and injury but once I saw they have the Accident insurance I decided it is worth pursuing.