Ancillary Event Liability Insurance Program
Exclusively for members of USA Cycling*
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, 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 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.
* These benefits are only available to active USA Cycling members.
The General Liability and Accident coverage are provided by U.S. Fire Insurance Company, "A" (Excellent) rated by A.M. Best Company.