US Lacrosse provides most of the insurance for tournaments and clubs. Not until a serious injury comes about, will US lacrosse's insurance company crack down. If a claim is denied because of illegal aged kids paying in wrong leagues, this will trigger the change. The only problem is a kid will need to get really hurt and millions will need to be awarded. UGH.
The reality is that insurance is not a big deal and is readily available from non us lacrosse companies. It costs less than $10 per player for a year. There are no outs for the insurance company for not doing playing kids in their proper age group. The county or school wouldn't let you use the field if there were. Club directors could be personally liable if the did something too egregious.
For Club tournaments, I have never been asked to provide a US Lacrosse number. They ask only for waivers.
