Liability Insurance for IMBA Affiliated Mountain Bike Clubs & Chapters

Please feel free to call us toll free at 1-844-840-1400 with any questions.

The Participant Accident Coverage

$10,000 BENEFIT

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


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 $250 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.


Benefit amount is $2,000. 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 Club Liability Coverage

$1,000,000 COVERAGE

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


This $1,000,000 occurrence form general liability program provides protection for your Club’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 Specialty Insurance Purchasing Group, pursuant to the Federal Risk Retention Act of 1986.


  • 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 Coverage(s)

Heavy machinery coverage

This option removes the exclusion for use of heavy machinery.


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


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



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