Insurance & Background Check Resources
Everything your chapter needs to maintain proper insurance coverage, obtain certificates, understand exclusions, and run required background checks on coaches, volunteers, and staff — powered by AMB's partnership with the Amateur Athletic Union (AAU).
Insurance is a Benefit of AAU Membership
AMB chapters operating under the AAU's insurance umbrella receive sports accident coverage and general liability insurance as a benefit of membership. Everyone participating — athletes and non-athletes — must hold an individual AAU membership. Club Membership insures practices; an event license insures competitions, clinics, and other sanctioned events.Coverage Summary
| Coverage Type | Limit / Benefit | Who Is Covered | Applies When |
|---|---|---|---|
| Excess Medical | $100,000 | Properly registered AAU members injured during an approved event | Licensed / approved event; excess over other coverage (primary if no other coverage) |
| Accidental Death & Dismemberment | $20,000 | Registered athlete and non-athlete members | Licensed event; accidental cause |
| Youth / Non-Athlete Deductible | $300 | Youth athletes & non-athletes | Per claim, before coverage applies |
| Adult Athlete Deductible | $300 | Adult registered athletes | Per claim, before coverage applies |
| Dental | Included | All registered members | Injury during licensed event |
| General Liability | Program Wide | Clubs, event organizers, volunteers (registered) | Club membership active; event licensed by AAU |
What Counts as a Licensed Event
- Regular-season midnight basketball league nights
- Tournaments and championship games
- Clinics, training sessions, and skill camps
- Life skills workshops held in conjunction with AMB events
AAU Insurance Document Library
Certificates Are FREE for AAU Members
Verification of insurance coverage is a benefit of AAU membership. Your chapter can request verification or a certificate for facilities, venues, sponsors, and other entities that require proof of insurance.Two Types of Coverage Documentation
- Specific limits of liability
- Policy effective dates
- Club/chapter membership confirmation
How to Request a Certificate — Step by Step
Confirm Active AAU Club Membership
Your chapter must have an active AAU Club Membership. Verify status at aausports.org. All participants must also hold individual AAU Athlete or Non-Athlete memberships.
Identify What the Venue / Entity Requires
Ask the venue, sponsor, or partner exactly what they need — a simple verification, a certificate with their name, or additional insured status. This determines which document to request.
Submit Request Through AAU Member Portal
Log in to your AAU account at aausports.org. Navigate to Insurance → Certificate Request. Provide the requesting entity's name, address, and contact information.
Receive and Deliver Certificate
AAU will issue the certificate electronically. Forward to the venue or sponsor directly. Keep a copy on file with your chapter's compliance records.
Renew Annually
Certificates reflect your active policy period. Renew your AAU Club Membership each year before it lapses — a lapse means no coverage and no ability to issue new certificates.
Certificate Overview Document
Download the full AAU Certificate Overview document for detailed instructions, requirements, and the difference between verification types.
Download Certificate Overview (.docx)Know Your Coverage Gaps
Understanding what is not covered is just as important as knowing what is covered. Review these exclusions before each season and consult National HQ or an independent insurance broker if your chapter's activities might trigger any of these exclusions.General Liability — Major Exclusions
- Pollution Exclusion
- Asbestos Exclusion
- Lead Exclusion
- Fungi or Bacteria Exclusion
- Nuclear Energy Liability Exclusion
Sports Accident (Excess Coverage) — Major Exclusions
Full Exclusions Document
Download the complete AAU Exclusion List for the full text of all exclusions and conditions.
View PDF Download Exclusion ListWhat Is Extended Coverage (AB)?
The Extended Coverage Membership program extends insurance protection for AAU members while they participate in events hosted by other sports entities — not the AAU. This is critical for AMB chapters whose participants also compete in community leagues, tournaments, or partner events outside of AAU-sanctioned activities.Eligibility Requirements
Team Competitions
For team competitions, the entire competing team AND the coach (non-athlete) must be AAU extended coverage members. One gap in membership voids coverage for the whole team.
Individual Competitions
Each competing individual must be an AAU extended coverage member AND must be supervised by an AAU extended coverage registered coach (non-athlete). Both individual and coach must hold the AB designation.
Benefits of Extended Coverage (AB)
Extended Coverage Program Document
Download the full Extended Coverage document for enrollment instructions, eligibility details, and conditions.
Download Extended Coverage (.docx) Enroll at AAUBackground Checks Are MANDATORY
Per the AAU Athlete Protection and Abuse Prevention Policy (Updated October 12, 2023) and the Protecting Youth Victims from Sexual Abuse and Safe Sport Act of 2017, all adult non-athlete members — coaches, event organizers, volunteers, and staff — must pass an approved background screening before working with minor participants. There are no exceptions.Legal Framework
Who Requires a Background Check
How to Run Background Checks Through AAU
Register the Individual as a Non-Athlete AAU Member
Every adult who works with youth must first hold an individual AAU Non-Athlete membership. Register at aausports.org/membership. The background screening is initiated during or after registration.
Complete AAU Background Screening
AAU uses an approved third-party screening provider. The applicant must consent to and complete the screening process. Results are tied to their AAU membership record. Coaches and volunteers may not begin working with youth until clearance is confirmed.
Chapter Director Verifies Clearance
Log in to your AAU Club account and verify that the individual's membership record shows an active, cleared background check. Maintain a chapter log of all cleared personnel with clearance dates for your compliance records.
Renew Annually
Background checks are not lifetime clearances. They must be renewed with each AAU membership year. Set calendar reminders for all coaches, staff, and regular volunteers to renew before the new season begins.
Respond to Adverse Results Immediately
If a background check returns an adverse result, that individual must be removed from all youth contact roles immediately and may not work with participants. Contact National HQ at admin@midnight-basketball.org for guidance.
Membership Limitations & Disqualifying Conditions
Automatic Disqualification
Per AAU policy, certain criminal history findings result in automatic disqualification from AAU membership and therefore from working with AMB youth participants. This includes — but is not limited to — convictions for any sex offense involving a minor, crimes of violence, and other specified offenses. Chapter Directors are responsible for enforcing these membership limitations. Any individual whose background check reveals a disqualifying offense must not be permitted to participate in any role involving minor participants, regardless of their relationship to the chapter or length of service.Need Help? Contact National HQ
Questions about background screening, adverse results, or athlete protection policy compliance? Contact AMB National directly.
Email National HQ AAU Support