USA Cycling Logo

USA Cycling
Member Insurance Benefits


1.866.200.2135
 

At USA Cycling, we understand how difficult it can be for our members to locate affordable individual, family and group health insurance plans. Therefore, we have partnered with the Nicholas Hill Benefit Group to assist our members in their search for the right plan at the right price. 

We highly recommend you either give them a call or request a no obligation quote by clicking the following link.

CLICK THE LINKS BELOW TO RECEIVE YOUR NO OBLIGATION INSURANCE QUOTES

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

AAC black and white.jpg


American Alpine Club
Member Insurance Benefits


1.866.306.3997
 

At the American Alpine Club, we understand how difficult it can be for our members to locate affordable, climbing friendly life insurance and other coverage types.  Therefore, we have partnered with the Nicholas Hill Group to assist our members in their search for the right plan at the right price. 

We highly recommend you either give them a call at 1.866.306.3997 or request a quote by clicking the following link.

CLICK THE LINKS BELOW TO RECEIVE YOUR NO OBLIGATION INSURANCE QUOTES

* Not all of these plans are available in every state. Please ask the plan administrator about plan availability in your area. The Life Insurance and other benefit services are provided as a “service” performed by licensed agents with the Nicholas Hill Benefit Group, Inc. (NHBG). Plans are subject to full underwriting and may potentially exclude or decline to offer coverage based on pre-existing health conditions, occupations, avocations (including climbing/mountaineering), etc. NHBG is committed to assist in locating and selecting the most beneficial insurance policy for AAC members. NHBG works with dedicated teams of underwriters with various insurance companies and are experienced in securing coverage for clients engaged in sports and activities that are often considered “higher risk,” such as climbing/mountaineering.

AQHA Member Insurance Benefits

1.888.213.9710
 

At the American Quarter Horse Association, we understand how difficult it can be for our members to locate affordable individual & family insurance plans. Therefore, we have partnered with the Nicholas Hill Group, Inc. to assist our members in their search for the right plan at the right price. 

 

CLICK THE LINKS BELOW TO RECEIVE YOUR NO OBLIGATION INSURANCE QUOTES

Please note: AQHA is not providing insurance, but has entered into an endorsement agreement with Nicholas Hill Group who has established an insurance program comprised of insurance products to be made available to AQHA members.

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

USA Cycling Logo

Adventure Advocates
Member Insurance Benefits


1-866-631-1712
 

At Adventure Advocates, we understand how difficult it can be for our members to locate affordable individual, family and group insurance plans. Therefore, we have partnered with the Nicholas Hill Benefit Group to assist our members in their search for the right plan at the right price. 

We highly recommend you either give them a call or request a no obligation quote by clicking the following link.

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

USA Cycling Logo

arizona realtors
Member Insurance Benefits


1.866.395.1794

At Arizona REALTORS®, we understand how difficult it can be for our members to locate affordable individual, family and group insurance plans. Therefore, we have partnered with the Nicholas Hill Benefit Group to assist our members in their search for the right plan at the right price. 

We highly recommend you either give them a call or request a no obligation quote by clicking the following link.

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

CAR Logo

colorado realtors
Member Insurance Benefits


1-866-631-1709

At the Colorado Association of REALTORS®, we understand how difficult it can be for our members to locate affordable individual, family and group insurance plans. Therefore, we have partnered with the Nicholas Hill Benefit Group to assist our members in their search for the right plan at the right price. 

We highly recommend you either give them a call or request a no obligation quote by clicking the following link.

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

CAR Logo

imba Member Insurance Benefits

(888) 255-8917

At the International Mountain Bicycling Association (IMBA), we understand how difficult it can be for our members to locate affordable individual, family and group insurance plans. Therefore, we have partnered with the Nicholas Hill Benefit Group to assist our members in their search for the right plan at the right price. 

We highly recommend you either give them a call or request a no obligation quote by clicking the following link.

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

IAR Logo

indiana realtors
Member Insurance Benefits


1.888.364.1099

At the Indiana Association of REALTORS®, we understand how difficult it can be for our members to locate affordable individual, family and group insurance plans. Therefore, we have partnered with the Nicholas Hill Benefit Group to assist our members in their search for the right plan at the right price. 

We highly recommend you either give them a call or request a no obligation quote by clicking the following link.

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

MSA Logo

Medical Sales Advocates
Member Insurance Benefits


1.888.600.0085

At Medical Sales Advocates (MSA), we understand how difficult it can be for our members to locate affordable individual, family and group insurance plans. Therefore, we have partnered with the Nicholas Hill Group, Inc. to assist our members in their search for the right plan at the right price. 

We highly recommend you either give them a call or request a no obligation quote by clicking the following link.

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

MSA Logo

National wild Turkey federation
Member Insurance Benefits


1-855-799-8090

At the National Wild Turkey Federation (NWTF), we understand how difficult it can be for our members to locate affordable individual, family and group insurance plans. Therefore, we have partnered with the Nicholas Hill Group, Inc. to assist our members in their search for the right plan at the right price. 

We highly recommend you either give them a call or request a no obligation quote by clicking the following link.

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

MSA Logo

 

national ski patrol
Member Insurance Benefits


1.888.600.0085

At the National Ski Patrol (NSP), we understand how difficult it can be for our members to locate affordable individual, family and group insurance plans. Therefore, we have partnered with the Nicholas Hill Group, Inc. to assist our members in their search for the right plan at the right price. 

We highly recommend you either give them a call or request a no obligation quote by clicking the following link.

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

NSP pic

 

Ski Resort Employee
Insurance plans


1-866-395-1793

Welcome to the Ski Resort Employee Insurance Marketplace.  Your resort understands how difficult it can be for employees to locate affordable individual, family and group insurance plans. Therefore, they have partnered with us, the Nicholas Hill Group, Inc., to assist their employees in their search for the right plan at the right price. 

We highly recommend you either give us a call or request a no obligation quote by clicking the following link.

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

SATW Logo

society of american travel writers
Member Insurance program


1.888.600.0085

At the Society of American Travel Writers (SATW), we understand how difficult it can be for our members to locate affordable individual, family and group insurance plans. Therefore, we have partnered with the Nicholas Hill Group, Inc. to assist our members in their search for the right plan at the right price. 

We highly recommend you either give them a call or request a no obligation quote by clicking the following link.

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

tar Logo

texas REAL ESTATE AGENT
Insurance program

1.888.600.0085

At the Nicholas Hill Group, we have provided high quality, competitively priced insurance plans to thousands of Texas real estate agents for many years.  We know how difficult it can be for self employed real estate professionals to locate affordable individual, family and group insurance plans. We are honored to assist these professionals in their search for the right plan at the right price. 

We would love to hear from you... please give us a call or request a no obligation quote by clicking the following link.

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

UC Logo

United Country
Agent Insurance program

1.877.201.6942 or 1.800.211.9002

At United Country, we understand how difficult it can be for our members to locate affordable individual, family and group insurance plans. Therefore, we have partnered with the Nicholas Hill Group, Inc. to assist our members in their search for the right plan at the right price. 

We highly recommend you either give them a call or request a no obligation quote by clicking the following link.

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

United Logo

United real estate
Agent Insurance program

1.888.364.1187

At United Real Estate, we understand how difficult it can be for our members to locate affordable individual, family and group insurance plans. Therefore, we have partnered with the Nicholas Hill Group, Inc. to assist our members in their search for the right plan at the right price. 

We highly recommend you either give them a call or request a no obligation quote by clicking the following link.

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

US Fencing Logo

US FENCing
member Insurance program

1.888.255.8941

At US Fencing, we understand how difficult it can be for our members to locate affordable individual, family and group insurance plans. Therefore, we have partnered with the Nicholas Hill Group, Inc. to assist our members in their search for the right plan at the right price. 

We highly recommend you either give them a call or request a no obligation quote by clicking the following link.

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

USa judo
member Insurance program

1.888.213.9702

At USA Judo, we understand how difficult it can be for our members to locate affordable individual, family and group insurance plans. Therefore, we have partnered with the Nicholas Hill Group, Inc. to assist our members in their search for the right plan at the right price. 

We highly recommend you either give them a call or request a no obligation quote by clicking the following link.

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

USAS Logo

USA shooting
member Insurance program

1.877.202.3488

At USA Shooting, we understand how difficult it can be for members to locate affordable individual & family insurance plans. Therefore, we have partnered with Nicholas Hill Group, Inc. to assist members in their search for the right plan at the right price. 

 

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

USAS Logo

USA Triathlon
member Insurance program

1.888.207.7621

At USA Triathlon, we understand how difficult it can be for members to locate affordable individual & family insurance plans. Therefore, we have partnered with Nicholas Hill Group, Inc. to assist members in their search for the right plan at the right price. 

 

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

USOC Logo

USOC Elite athlete
voluntary health Insurance program

1.888.600.0085

This custom service was created to assist athletes who are transitioning from the Elite Athlete Health Insurance Program (EAHI) onto individually purchased qualified health plans as defined by the Patient Protection and Affordable Care Act (PPACA).  If you no longer qualify for coverage under the EAHI Program, you may qualify for a special PPACA open enrollment period.  

From this site, interested athletes can run custom insurance quotes and apply for a plan of their choosing.  Athlete assistance is not limited to electronic quotes and applications, but a team of highly trained insurance professionals stand ready to answer your PPACA questions and to assist in plan selection.  They can also provide an estimated premium tax credit (financial assistance that is provided by the Federal government and is determined by your level of income).  To get started, either call 1.888.600.0085 or explore your options by clicking the link below.

 

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

USRowing Logo

 

US Rowing
member Insurance program

1.866.306.3961

At US Rowing, we understand how difficult it can be for members to locate affordable individual & family insurance plans. Therefore, we have partnered with Nicholas Hill Group, Inc. to assist members in their search for the right plan at the right price. 


 

click the links below to receive your no obligation insurance quotes

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

Insurance for coworking sites and organizations

1.877.303.2050

Let's be honest... Coworking is a new breed when compared to other industries.  Because of this, most insurance companies don't quite know what to think of Coworking organizations (or how to underwrite and price policies).   We are proud to be among the leading insurance firms working with Coworking sites throughout the US.  We are also the exclusive insurance partners for Coshare, a nationwide "community for community makers" and proud to represent many Coshare members in their search for quality, affordable business insurance.  

From this site, interested Coworking organizations can run custom insurance quotes and apply for a plan of their choosing.  Assistance is not limited to electronic quotes and applications, but a team of highly trained insurance professionals stand ready to answer your questions and to assist in plan selection.  To get started, either call 1.877.303.2050 or explore your options by clicking the link(s) below...
 

coverage for your coworking organization (business insurance for your business)


 

COVERAGE FOR your COWORKING CLIENTS (members of your coworking organization)

Because we firmly believe that, as the owner of a Coworking organization, you are only protected if your members/clients are also covered (plus voluntary insurance makes a great benefit for you to offer your clients as well), we're pleased to also extend access to the following insurance plans for your Coworking organization's members/clients...

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* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

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Insurance for coworking sites and organizations

1.877.303.2050

Let's be honest... Coworking is a new breed when compared to other industries.  Because of this, most insurance companies don't quite know what to think of Coworking organizations (or how to underwrite and price policies).   Because PortalSoft feels your pain, we are very pleased to announce the first and only Coworking Insurance Program specifically designed to address the unique exposures faced by PortalSoft clients and Coworking organizations throughout the United States.

From this site, interested Coworking organizations can run custom insurance quotes and apply for a plan of their choosing.  Assistance is not limited to electronic quotes and applications, but a team of highly trained insurance professionals stand ready to answer your questions and to assist in plan selection.  To get started, either call 1.877.303.2050 or explore your options by clicking the link(s) below...

coverage for your coworking organization (PortalSoft clients)

free consultation & quotes for the following...


COVERAGE FOR your COWORKING CLIENTS (members of your coworking organization)

Because we firmly believe that, as the owner of a Coworking organization, you are only protected if your members/clients are also covered (plus voluntary insurance makes a great benefit for you to offer your clients as well), we're pleased to also extend access to the following insurance plans for your Coworking organization's members/clients...

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

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camp liability insurance program

participant ACCIDENT & LIABILITY INSURANCE COVERAGE

 

(Upon completing the application, you will be given the opportunity to save your quote or purchase the insurance.)

In the past, insurance coverage for sports camps and clinics was either too costly, too limited or not available at all. Schools, coaches and directors were either forced to pay extremely high insurance premiums, or to run camps and clinics without the proper insurance protection, therefore running the risk of personal exposure to lawsuits or a participant's injury claim.

MyOnlineCamp and the Nicholas Hill Group have developed this specialty camp insurance program to cover the inherent risks involved for the schools, park districts, coaches, directors and participants of today’s sports camps and clinics. Accident and liability insurance coverage is offered as a standard product with optional coverage also available such as equipment, hired and non-owned automobile, and additional higher liability insurance limits.

THE ACCIDENT COVERAGE

$10,000 BENEFIT

(Pays the medical bills of an injured student or staff member)

MEDICAL EXPENSE BENEFIT

If the Covered Person incurs eligible expenses as the direct result of a covered injury and independent of all other causes, the Company will pay the charges incurred for such expense within 365 days, beginning on the date of the accident. Payment will be made for eligible expenses in excess of the applicable $100 Deductible Amount, not to exceed the Maximum Medical Benefit.

The first such expense must be incurred within 90 days after the date of the accident.

"Eligible expense" means charges for the following necessary treatment and service, not to exceed the usual and customary charges in the area where provided.

  • Medical and surgical care by a physician
  • Radiology (X-rays)
  • Prescription drugs and medicines
  • Dental treatment of sound natural teeth
  • Hospital care and service in semiprivate accommodations, or as an outpatient
  • Ambulance service from the scene of the accident to the nearest hospital
  • Orthopedic appliances necessary to promote healing

Excess coverage: This plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Covered Person.

ACCIDENTAL DEATH AND DISMEMBERMENT BENEFIT

Benefit amount is $2,500. If a covered injury results in any of the losses specified below within 365 days after the date of the accident, the Company will pay the applicable amount:

  • Full Principal Sum for loss of life
  • Full Principal Sum for double dismemberment
  • Full Principal Sum for loss of sight of both eyes
  • 50% of the Principal Sum for loss of one hand, one foot, or sight of one eye
  • 25% of the Principal Sum for loss of index finger and thumb of same hand

"Member" means hand, foot, or eye. Loss of hand or foot means complete severance above the wrist or ankle joint. Loss of eye means the total, permanent loss of sight.

We will not pay more than the Principal Sum for this Benefit for all losses due to the same accident.

THE LIABILITY COVERAGE

$1,000,000 COVERAGE

(Protects you in the event of a lawsuit or property damage)

WHO IS COVERED

This $1,000,000 occurrence form general liability program provides protection for your Camp, Clinic or Conference’s owners, directors, instructors, and employees against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. There is no deductible amount for this coverage. Coverage is offered through the Sports and Recreation Providers Purchasing Group, pursuant to the Federal Risk Retention Act of 1986.

COVERAGE INCLUDES SUITS ARISING OUT OF:

  • Injury or death of participants
  • Injury or death of spectators
  • Injury or death of volunteers
  • Property damage liability
  • Host liquor liability (nonprofit)
  • General negligence claims
  • All activities necessary or incidental to conduct of activities
  • Cost of investigation and defense of claims, even if groundless
  • Ownership, use, or maintenance of gyms, fields, or practice areas

Additional Insured parties may be added at no charge.

PREMIUM RATES*

Premium rates begin at:

  • Day Campers:
    • 1 Day Policy Term: $2.60 per camper
    • 2 Day Policy Term: $2.85 per camper
    • 3 Day Policy Term: $2.85 per camper
    • 4+ Day Policy Term: $3.65 per camper
  • Overnight Campers: $4.70 per camper
  • Day Staff: $2.10 per staff member
  • Overnight Staff: $3.15 per staff member

Fully earned minimum premium begins at $373.00 for policies with less than annual terms and $425.00 for annual policies. The minimum premium does not include the optional coverages (see below). For policy terms over 7 days, a schedule of camp dates and participant numbers is required.

* Higher premiums (15% - 25%) apply for Camps located in select states. Please note that a $15.00 Administrative Fee will be added to all orders.

THE OPTIONAL COVERAGES

HIRED AND NON-OWNED AUTOMOBILE LIABILITY COVERAGE

This liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on camp, clinic or conference business.

EXCESS LIABILITY COVERAGE

This coverage provides additional liability limits increasing the liability coverage per each occurrence.

INCREASED AGGREGATES

This option increases the aggregate limit of liability insurance from $2,000,000 to larger amounts.

SEXUAL ABUSE AND MOLESTATION

Liability coverage is provided for claims arising out of alleged sexual abuse and/or molestation.

$5,000 MEDICAL EXPENSE BENEFIT

This coverage will reimburse an injured spectator or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not.

INSURER

The General Liability and Accident coverage are provided by U.S. Fire Insurance Company, "A" (Excellent) rated by A.M. Best Company.

ATRA Logo

American Trail Running Association
Member Insurance Benefits


1.866.200.2135
 

At ATRA, we understand how difficult it can be for our members to locate affordable individual, family and group health insurance plans. Therefore, we have partnered with the Nicholas Hill Benefit Group to assist our members in their search for the right plan at the right price. 

We highly recommend you either give them a call or request a no obligation quote by clicking the following link.

CLICK THE LINKS BELOW TO RECEIVE YOUR NO OBLIGATION INSURANCE QUOTES

* products are provided by licensed representatives with nicholas hill group, inc.  PLANS ARE SUBJECT TO UNDERWRITING and include certain exclusions and limitations.  NOT ALL PLANS ARE AVAILABLE IN ALL STATES.  PLEASE CONTACT US TO LEARN IF PLANS ARE AVAILABLE IN YOUR AREA.

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t.r.i.p. protect

trail running insurance program

We are proud to exclusively offer the T.R.I.P. PROTECT Trail Running Race Insurance Program to race, club and corporate level members of the American Trail Running Association (ATRA).  This program is the first insurance platform specifically developed to insure trail running races and the individuals who own or manage these events.  It was created from the ground-up to address the unique exposures found at trail running races.  If you are a member of ATRA and considering hosting a trail running race, we highly encourage you to explore this member exclusive benefit.  If you are a trail runner and have not yet joined ATRA, what are you waiting for?  Support the only national organization in the United States that supports your passion.  

American Trail Running Association (ATRA) and the Nicholas Hill Group have developed this specialty trail running / trail racing insurance program to cover the inherent risks involved for race directors and organizations that host trail runs and races. Accident and liability insurance coverage is offered as a standard product with optional coverage also available such as equipment, hired and non-owned automobile, and additional higher liability insurance limits.

Why jump through all of the hoops of sanctioning your race with non-trail focused organizations only to secure race liability and participant accident insurance?  Simply join ATRA and purchase your own, customized policy today!

THE ACCIDENT COVERAGE

$10,000 BENEFIT

(Pays the medical bills of an injured participant or staff member)

MEDICAL EXPENSE BENEFIT

If the Covered Person incurs eligible expenses as the direct result of a covered injury and independent of all other causes, the Company will pay the charges incurred for such expense within 365 days, beginning on the date of the accident. Payment will be made for eligible expenses in excess of the applicable $100 Deductible Amount, not to exceed the Maximum Medical Benefit.

The first such expense must be incurred within 90 days after the date of the accident.

"Eligible expense" means charges for the following necessary treatment and service, not to exceed the usual and customary charges in the area where provided.

  • Medical and surgical care by a physician
  • Radiology (X-rays)
  • Prescription drugs and medicines
  • Dental treatment of sound natural teeth
  • Hospital care and service in semiprivate accommodations, or as an outpatient
  • Ambulance service from the scene of the accident to the nearest hospital
  • Orthopedic appliances necessary to promote healing

Excess coverage: This plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Covered Person.

ACCIDENTAL DEATH AND DISMEMBERMENT BENEFIT

Benefit amount is $2,500. If a covered injury results in any of the losses specified below within 365 days after the date of the accident, the Company will pay the applicable amount:

  • Full Principal Sum for loss of life
  • Full Principal Sum for double dismemberment
  • Full Principal Sum for loss of sight of both eyes
  • 50% of the Principal Sum for loss of one hand, one foot, or sight of one eye
  • 25% of the Principal Sum for loss of index finger and thumb of same hand

"Member" means hand, foot, or eye. Loss of hand or foot means complete severance above the wrist or ankle joint. Loss of eye means the total, permanent loss of sight.

We will not pay more than the Principal Sum for this Benefit for all losses due to the same accident.

THE LIABILITY COVERAGE

$1,000,000 COVERAGE

(Protects you in the event of a lawsuit or property damage)

WHO IS COVERED

This $1,000,000 occurrence form general liability program provides protection for your Race Event’s owners, directors, instructors, and employees against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. There is no deductible amount for this coverage. Coverage is offered through the Sports and Recreation Providers Purchasing Group, pursuant to the Federal Risk Retention Act of 1986.

COVERAGE INCLUDES SUITS ARISING OUT OF:

  • Injury or death of participants
  • Injury or death of spectators
  • Injury or death of volunteers
  • Property damage liability
  • Host liquor liability (nonprofit)
  • General negligence claims
  • All activities necessary or incidental to conduct of activities
  • Cost of investigation and defense of claims, even if groundless
  • Ownership, use, or maintenance of gyms, fields, or practice areas

Additional Insured parties may be added at no charge.

PREMIUM RATES*

Premium rates for ATRA's T.R.I.P. PROTECT program are based on the number of participants...

  • 200 OR FEWER PARTICIPANTS IS A FLAT $100 MINIMUM PREMIUM (FULLY EARNED AT POLICY INCEPTION)

  • 201-500 IS A FLAT $152 MINIMUM PREMIUM (FULLY EARNED AT POLICY INCEPTION)

  • 501-999 = $.048 PER PARTICIPANT, PER EVENT (PREMIUM FULLY EARNED AT POLICY INCEPTION)

  • 1000-1999 = $0.42 PER PARTICIPANT, PER EVENT (PREMIUM FULLY EARNED AT POLICY INCEPTION)

  • 2000-3000 = $0.34 PER PARTICIPANT, PER EVENT (PREMIUM FULLY EARNED AT POLICY INCEPTION)

  • 3001-5,000 = $0.31 PER PARTICIPANT, PER EVENT (PREMIUM FULLY EARNED AT POLICY INCEPTION)

  • 5,001-8,000 = $0.28 PER PARTICIPANT, PER EVENT (PREMIUM FULLY EARNED AT POLICY INCEPTION)

  • 8,001-12,499 = $0.26 PER PARTICIPANT, PER EVENT (PREMIUM FULLY EARNED AT POLICY INCEPTION)

  • 12,500+ = $0.22 PER PARTICIPANT, PER EVENT (PREMIUM FULLY EARNED AT POLICY INCEPTION)

 

THE OPTIONAL COVERAGES

HIRED AND NON-OWNED AUTOMOBILE LIABILITY COVERAGE

This liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on race event business.

EXCESS LIABILITY COVERAGE

This coverage provides additional liability limits increasing the liability coverage per each occurrence.

INCREASED AGGREGATES

This option increases the aggregate limit of liability insurance from $2,000,000 to larger amounts.

SEXUAL ABUSE AND MOLESTATION

Liability coverage is provided for claims arising out of alleged sexual abuse and/or molestation.

$5,000 MEDICAL EXPENSE BENEFIT

This coverage will reimburse an injured spectator or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not.

Please contact us with any questions or give us a call at 719-630-1397

 

INSURER

The General Liability and Accident coverage are provided by U.S. Fire Insurance Company, "A" (Excellent) rated by A.M. Best Company.

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Event Liability & Participant Accident Insurance Program

Exclusively for members of Running USA*

The Accident Coverage

$10,000 BENEFIT

(Pays the medical bills of an injured participant, staff member or volunteer)

MEDICAL EXPENSE BENEFIT

If the Covered Person incurs eligible expenses as the direct result of a covered injury and independent of all other causes, the Company will pay the charges incurred for such expense within 365 days, beginning on the date of the accident. Payment will be made for eligible expenses in excess of the applicable $100 Deductible Amount, not to exceed the Maximum Medical Benefit.

The first such expense must be incurred within 90 days after the date of the accident.

"Eligible expense" means charges for the following necessary treatment and service, not to exceed the usual and customary charges in the area where provided.

  • Medical and surgical care by a physician
  • Radiology (X-rays)
  • Prescription drugs and medicines
  • Dental treatment of sound natural teeth
  • Hospital care and service in semiprivate accommodations, or as an outpatient
  • Ambulance service from the scene of the accident to the nearest hospital
  • Orthopedic appliances necessary to promote healing

Excess coverage: This plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Covered Person.

ACCIDENTAL DEATH AND DISMEMBERMENT BENEFIT

Benefit amount is $2,500. If a covered injury results in any of the losses specified below within 365 days after the date of the accident, the Company will pay the applicable amount:

  • Full Principal Sum for loss of life
  • Full Principal Sum for double dismemberment
  • Full Principal Sum for loss of sight of both eyes
  • 50% of the Principal Sum for loss of one hand, one foot, or sight of one eye
  • 25% of the Principal Sum for loss of index finger and thumb of same hand

"Member" means hand, foot, or eye. Loss of hand or foot means complete severance above the wrist or ankle joint. Loss of eye means the total, permanent loss of sight.

We will not pay more than the Principal Sum for this Benefit for all losses due to the same accident.
 

The Liability Coverage

$1,000,000 COVERAGE

(Protects you in the event of a lawsuit or property damage)

WHO IS COVERED

This $1,000,000 occurrence form general liability program provides protection for your Race Event’s owners, directors, instructors, volunteers and employees against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. There is no deductible amount for this coverage. Coverage is offered through the Sports and Recreation Providers Purchasing Group, pursuant to the Federal Risk Retention Act of 1986.

COVERAGE INCLUDES SUITS ARISING OUT OF:

  • Injury or death of participants
  • Injury or death of spectators
  • Injury or death of volunteers
  • Property damage liability
  • Host liquor liability (nonprofit)
  • General negligence claims
  • All activities necessary or incidental to conduct of activities
  • Cost of investigation and defense of claims, even if groundless
  • Ownership, use, or maintenance of gyms, fields, or practice areas

Additional Insured parties may be added at no charge.


The Optional Coverages
 

HIRED AND NON-OWNED AUTOMOBILE LIABILITY COVERAGE

This liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on race event business.

EXCESS LIABILITY COVERAGE

This coverage provides additional liability limits increasing the liability coverage per each occurrence.

INCREASED AGGREGATES

This option increases the aggregate limit of liability insurance from $2,000,000 to larger amounts.

SEXUAL ABUSE AND MOLESTATION

Liability coverage is provided for claims arising out of alleged sexual abuse and/or molestation.

$5,000 MEDICAL EXPENSE BENEFIT

This coverage will reimburse an injured spectator or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not.

* These benefits are only available to active Running USA members.  Confirm your organizations membership status here, or email brian@runningusa.org.  

Insurer

The General Liability and Accident coverage are provided by U.S. Fire Insurance Company, "A" (Excellent) rated by A.M. Best Company.

Running USA.png

Event Cancellation Insurance Program

Exclusively for members of Running USA*

 

We are proud to exclusively offer the Running USA Member Event Cancellation Insurance Benefit!  This program provides Running USA members* with a simplified application process that includes a team of dedicated underwriters to assist each member in securing this critical insurance protection! 

What is covered? 

This Event Cancellation Insurance is what is known as an "all-cause" coverage. This means that as long as the cause of your Event being Cancelled, Abandoned, Postponed, Curtailed, or Relocated is beyond your control and not excluded, you are covered for it.  To view the complete sample policy, please click the Gold, Silver or Bronze plan links below.

Often times, events have problems that no one expected which is why it is good to have an "all-cause" type of coverage. However, some of the situations that this Insurance is commonly used to protect against include:

  1. Severe Adverse Weather which makes the venue unusable/inaccessible or makes the event dangerous to attend (hurricanes, tornados, severe winter storms)
  2. Acts of Terrorism including the Threat of Terrorism and NUCLEAR, BIOLOGICAL & CHEMICAL ACTS OF TERRORISM
  3. Venue Unavailability (from perils such as fire, structural collapse, gas leaks, and flooding)
  4. Earthquakes
  5. Wildfires
  6. Labor Strikes (whether they take place in the city of your event or are national in scope like a transportation strike
  7. Power Blackouts (like that occurred across the U.S. in 2003)
  8. Communicable Disease (like H1N1, Avian Flu, SARS epidemic of 2002 or a local outbreak of the Norwalk Virus)
  9. Non-Appearance of a key Speaker or Entertainer *
  10. Major Riots and Civil Commotion
  11. National Mourning (i.e. death of the U.S. President)
    * additional premium

In addition, we can provide the most terrorism options in the market - including providing "full" terrorism by removing the terrorism exclusion all together and offering coverage for Threat of Terrorism. In addition, if any other time & distance Limited Terrorism options are desired that are not listed on the Quotation please let us know and we can likely provide them.

How to apply?
 

As a member of Running USA, securing event cancellation insurance is now as easy as 1 - 2 - 3...

  1.  Pick 1 of 3 coverage options: Gold, Silver or Bronze.  Customized coverage is also available.

  2.  Complete the simplified electronic application below.  Once complete, Running USA's dedicated underwriter will respond within 48 hours (typically much faster) with the quote.

  3.  Accept the quote and enjoy the Running USA member special pricing, including a 10% exclusive member discount.

step 1 - choose one of the following 3 options:

GOLD: Base coverage including terrorism and including nuclear, biological, chemical materials - No terrorism exclusion shall apply.  No nuclear/biological/chemical exclusion shall apply up to the lessor of the full policy limit or $10,000,000 per event.

SILVER: Base coverage, including terrorism but excluding nuclear, biological, chemical materials - No terrorism exclusion shall apply.  Acts and threats of terrorism that involve nuclear/biological/chemical materials are excluded.

BRONZE: Base coverage, excluding terrorism coverage. 

Fully customized policies are also available - simply select the customized option on the application.

step 2 - complete the application below: 

step 3 - await your Running USA member exclusive* premium quote...!

* These benefits are only available to active Running USA members.  Confirm your organizations membership status here, or email brian@runningusa.org.  

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Ancillary Event Liability Insurance Program

Exclusively for members of USA Cycling*

THE LIABILITY COVERAGE

$1,000,000 COVERAGE

(Protects you in the event of a lawsuit or property damage)

WHO IS COVERED

This $1,000,000 occurrence form general liability program provides protection for your Race Event’s owners, directors, instructors, volunteers and employees against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. There is no deductible amount for this coverage. Coverage is offered through the Sports and Recreation Providers Purchasing Group, pursuant to the Federal Risk Retention Act of 1986.

COVERAGE INCLUDES SUITS ARISING OUT OF:

  • Injury or death of participants
  • Injury or death of spectators
  • Injury or death of volunteers
  • Property damage liability
  • Host liquor liability (nonprofit)
  • General negligence claims
  • All activities necessary or incidental to conduct of activities
  • Cost of investigation and defense of claims, even if groundless
  • Ownership, use, or maintenance of gyms, fields, or practice areas

Additional Insured parties may be added at no charge.

PREMIUM RATES*

PREMIUM RATES FOR RUNNING USA'S RACE PROTECT PROGRAM ARE BASED ON THE NUMBER OF PARTICIPANTS...

  • 200 OR FEWER PARTICIPANTS IS A FLAT $100 MINIMUM PREMIUM (FULLY EARNED AT POLICY INCEPTION)

  • 201-500 IS A FLAT $152 MINIMUM PREMIUM (FULLY EARNED AT POLICY INCEPTION)

  • 501-999 = $.048 PER PARTICIPANT, PER EVENT (PREMIUM FULLY EARNED AT POLICY INCEPTION)

  • 1000-1999 = $0.42 PER PARTICIPANT, PER EVENT (PREMIUM FULLY EARNED AT POLICY INCEPTION)

  • 2000-3000 = $0.34 PER PARTICIPANT, PER EVENT (PREMIUM FULLY EARNED AT POLICY INCEPTION)

  • 3001-5,000 = $0.31 PER PARTICIPANT, PER EVENT (PREMIUM FULLY EARNED AT POLICY INCEPTION)

  • 5,001-8,000 = $0.28 PER PARTICIPANT, PER EVENT (PREMIUM FULLY EARNED AT POLICY INCEPTION)

  • 8,001-12,499 = $0.26 PER PARTICIPANT, PER EVENT (PREMIUM FULLY EARNED AT POLICY INCEPTION)

  • 12,500+ = $0.22 PER PARTICIPANT, PER EVENT (PREMIUM FULLY EARNED AT POLICY INCEPTION)


THE OPTIONAL COVERAGES
 

HIRED AND NON-OWNED AUTOMOBILE LIABILITY COVERAGE

This liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on race event business.

EXCESS LIABILITY COVERAGE

This coverage provides additional liability limits increasing the liability coverage per each occurrence.

INCREASED AGGREGATES

This option increases the aggregate limit of liability insurance from $2,000,000 to larger amounts.

SEXUAL ABUSE AND MOLESTATION

Liability coverage is provided for claims arising out of alleged sexual abuse and/or molestation.

$5,000 MEDICAL EXPENSE BENEFIT

This coverage will reimburse an injured spectator or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not.

* These benefits are only available to active USA Cycling members.    

INSURER

The General Liability and Accident coverage are provided by U.S. Fire Insurance Company, "A" (Excellent) rated by A.M. Best Company.

USA Cycling.png

Ancillary Event Liability Insurance - Application

Exclusively for USA Cycling sanctioned events/races*

If you estimate that your event will exceed a combined total of 10,000 participants and spectators, you must complete the form below to apply for the USA Cycling Ancillary Event Liability Insurance Program.  Once submitted, your application will be reviewed by an underwriter and your quotes will be emailed directly to you for consideration.

Thank you for this opportunity to be of service!

USA Cycling Member Ancillary Event Liability Insurance Program
by Nicholas Hill Group, Inc.

Is your event currently sanctioned by USA Cycling? *
Please note: Although you can receive a quotation for coverage by submitting this form, you cannot purchase or bind coverage until you first sanction your event with USA Cycling and receive confirmation that your event partcipants are therefore covered by the USA Cycling event insurance policy that provides liabilty and participant accident insurance for the actual race and race related activities. This ancillary event coverage specifically excludes the actual race, race related activities and race participants.
Note: This is the name that will appear on your Certificate of Insurance. If your company is a Sole Proprietorship, then this will be your personal name or DBA
Contact Name *
Contact Name
Phone *
Phone
Address *
Address
Coverage - Start Date *
Coverage - Start Date
The date that your insurance coverage should begin
Coverage - End Date *
Coverage - End Date
The date that your insurance coverage should end
Event - Start Date *
Event - Start Date
The date that your event begins, including set-up
Event - End Date *
Event - End Date
The date that your event ends, including take down
Please include all of the non-race event details, including types of ancillary, non-race related activities that your event will inlcude that that you are applying for insurance to cover (i.e. expo, concert, beer garden, camping, etc.)
Would you like a quote for Liquor Liability Insurance Coverage? *
Please note, the ancillary event liability insurance policy will automatically include "host liquor liability" coverage. However, if any one of the 3 following criteria questions results in a “yes” answer, it is recommended that you purchase full liquor liability insurance protection. 1. Is policyholder in the business of manufacturing, selling, distributing, liquor? 2. Is policyholder required to obtain a liquor license or permit for event? 3. Is policyholder providing liquor for a profit? Please note, The liquor permit/license must be issued to the Policyholder name in order to be valid. If you would like to apply for Liquor Liability Insurance, please email a copy of the liquor permit/license to us at info@nicholashillgroup.com.
We must receive the name and full address for each additional insured party. Please separate each requested additional insured party by a space below.
Have you filed any Event Liability Insurance claims in the past 5 years? *
If yes, please provide full details below.
If you answered yes above, please provide full details below:
Has your event ever been cancelled? *
If yes, please provide full details below.
If you answered yes above, please provide full details below:
$
Does your event include Overnight Camping? *
If yes, please provide the estimated total number of campers and the number of nights camping is allowed below.
PLEASE READ AND SIGN (By typing your name) BELOW: Signing this application and declaration does not bind either the application or the underwriter to provide the insurance. In the event there is any material change in the answers to the questions herein prior to the issuance date of the policy, the application form would be considered inaccurate or incomplete. The applicant will notify the insurer in writing, and, if necessary, any outstanding quotation may be modified or withdrawn. It is agreed that this application and declaration shall be attached to and form part of any policy which may subsequently be issued. To be signed by the Insured The undersigned applicant represents that the statements set forth in this application and its attachments and other materials submitted to the insurer are true and correct. In accepting any quotation provided by result of this proposal request, the insured warrants that all information and answers provided in this application are true and correct. Should an insurance policy be written, this application and any supporting information shall be incorporated into and form the basis of the written insurance policy. The Insured so warrants by selecting YES or NO below *
By typing your name below, you are hereby agreeing to the terms outlined above and providing your personal warranty that all answers and responses that have been provided are true and accurate. You acknowledge that you are submitting an application for insurance, and that your typed name below constitutes your signature, acceptance and agreement as if actually signed by you in writing. You further acknowledge and agree that the taking of any such actions by you evidence your intent to sign any such agreement, acknowledgment, consent, terms, disclosures or conditions. You also agree that no certification authority or other third party verification is necessary to the validity of your electronic signature; and that the lack of such certification or third party verification will not in any way affect the enforceability of your signature or any resulting contract. Please note: All quotations are subject to the receipt and acceptable review of the application and other underwriting information by the underwriter. *
By typing your name below, you are hereby agreeing to the terms outlined above and providing your personal warranty that all answers and responses that have been provided are true and accurate. You acknowledge that you are submitting an application for insurance, and that your typed name below constitutes your signature, acceptance and agreement as if actually signed by you in writing. You further acknowledge and agree that the taking of any such actions by you evidence your intent to sign any such agreement, acknowledgment, consent, terms, disclosures or conditions. You also agree that no certification authority or other third party verification is necessary to the validity of your electronic signature; and that the lack of such certification or third party verification will not in any way affect the enforceability of your signature or any resulting contract. Please note: All quotations are subject to the receipt and acceptable review of the application and other underwriting information by the underwriter.
Please note: this insurance application is subject to full underwriting. The decision to provide a quote or not is, in part, determined by the answers you have provided in the above application. Should a policy be issued, it will include certain exclusions and limitations. It is the applicant/insured's responsibility to read and understand the terms in any policy that is issued and bound. Not all insurance products are available in all states. Please contact the Nicholas Hill Group with any product questions. All insurance products are provided by licensed representatives.
Agent Signature: Ryan E. Hill
Agency: Nicholas Hill Group, Inc.

* These benefits are only available to USA Cycling Sanctioned Events.    

INSURER

The Ancillary Event Liability and Participant Accident coverage are provided by
U.S. Fire Insurance Company, "A" (Excellent) rated by A.M. Best Company.