RUSA Event liability Insurance program
We are proud to exclusively offer the RACE PROTECT Event Liability Insurance Program to event members of Running USA. This program was created from the ground-up to address the unique exposures found at running events, both very large events as well as small, community runs. If you are a member of Running USA and considering hosting an event, we highly encourage you to explore this member exclusive benefit.
Running USA and the Nicholas Hill Group have developed this specialty running event insurance program to cover the inherent risks involved for race directors and organizations that host 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 for the sole purpose of securing race liability and participant accident insurance? Simply join Running USA and purchase your own, customized policy today!
THE ACCIDENT COVERAGE
(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
(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 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.
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.
The General Liability and Accident coverage are provided by U.S. Fire Insurance Company, "A" (Excellent) rated by A.M. Best Company.