A skater at practice wears equipment that is not allowable per the guidelines such as a caged face mask. Is this allowable since it is not a sanctioned game?

No. Leagues with WFTDA Insurance must adhere to the WFTDA Risk Management Guidelines at all times, whether it’s a practice, game, sanctioned game, or scrimmage. The WFTDA Risk Management Guidelines are there to mitigate risk at all times. Violations to the Risk Management Guidelines will result in denied claims.