Insurance Information

Listed below are the requirements that must be met in order to compete as an independent group at WGI events. The WGI office must receive your Insurance Certificate by the Entry Deadline Date of the group’s first performance (5 weeks prior to the event). Groups failing to do so WILL NOT be permitted to compete.

(Note: WGI will accept insurance from a school, school district, university, or other educational institution for those groups participating in the independent classes. If the name of the group differs from the entity providing the insurance, the group name must appear on the certificate of insurance.)

•   $1,000,000 General Liability
•   Accident Medical ($2,500 minimum) (Note:“Med Exp” listed under the general liability category is not the same as the Accident Medical requirement.)
•   All WGI group names to be covered must indicated on the certificate.
•   Expiration date must cover your last WGI performance for the current season.
•   Certificate Holder should read : Winter Guard International, Inc. or WGI Sport of the Arts; 1994 Byers Rd, Dayton, OH 45342
•   All information should be on one page Multi page policies will not be accepted.

Insurance certificates can now be uploaded on the Directors Dashboard by selecting Documents Upload.

WGI has arranged a group rate through Francis L. Dean Associates, LLC. CLICK HERE TO BUY INSURANCE ONLINE. All policies are annual (12-month) policies and cannot be negotiated for less than the minimum premium amount. If you have any questions, please contact Tom Wojciechowski, Francis L. Dean & Associates, LLC at (773) 972-1235 or email at

The General Liability policy protects your group, instructors, directors and officers against claims of bodily injury liability, property damage liability, and the litigation costs to defend against such claims. This coverage should also allow a group to rent rehearsal facilities, as most require proof of coverage.

•   $5,000 Medical Expense within your General Liability policy – is no fault medical insurance for any spectators or non-performing participants, non-staff. No lawsuit needs to be filed for this limit to cover these types of “slip & fall”, bodily injury incidents.

The Accident Medical Payments covers all participants, volunteer workers and staff members while participating in sponsored and supervised activities and while traveling, directly and without interruption, to and from sponsored and supervised activities and their homes or places of residence. Accident Medical coverage is going to pay the medical bills of an injured participant or staff person, thus lowering the likelihood a lawsuit is filed against your organization.