EVENT SANCTIONING/INSURANCE

We know insuring a race is a costly investment for RDs, and it's not exactly the most glamorous or fun part of being a race director. We also believe offering a high quality insurance package that addresses the unique needs of adventure race directors and racers is a must. USARA has worked hard over the years to offer the best insurance policy it can to member RDs, and we are proud of the product we offer. We have 20+ years of experience, learning what works and what doesn't, and we have worked to build a comprehensive policy that will fulfill your needs at competitive prices, protecting you and providing valuable peace of mind for your race staff while also offering excellent coverage for your racers, volunteers, personnel, spectators, and land managers involved in your event.

QUALIFICATIONS FOR USARA SANCTIONING

Individual Racer Membership:

For an event to be sanctioned by USARA, all racers must either be USARA members or they must hold a single event permit. We encourage racers to purchase an annual membership ($35), which supports USARA’s programming while providing access to a range of benefits including access to hundreds of pro deals through ExpertVoice. Alternatively, participants can purchase a single event permit for just $8.  We encourage RDs to use the The RunSignUp platform, which is fully integrated with USARA membership, allowing both membership dues and waivers to be handled electronically during registration.

Additional Sanctioning Requirements.

Sanctioned race directors agree to follow a number of safety, logistical, and communication related standards when they agree to USARA sanctioning. These requirements include but are not limited to:

INSURANCE POLICY INFORMATION

After purchasing a USARA insurance policy, we will issue you a certificate of insurance (COI) for your event. We also can issue additional certificates required by third-parties such as canoe liveries, landowners, parks, and other permitting authorities.

100% of your premium for insurance goes to the insurance carrier. USARA does not profit from the sale of insurance to RDs, and in fact, we subsidize it for USARA sanctioned events!

Master Policy Limits:
XL Group PLC (Arch Insurance Company) A, XV rating (Excellent). Master policy limits are aggregate limits shared among all participating events. Excess limits are available.

  • $5,000,000.00 General Aggregate Per Event

  • $1,000,000.00 Each Occurrence Limit

  • $5,000,000.00 Products / Completed Operations Aggregate Limit

  • $1,000,000.00 Personal & Advertising Injury Limit (Any one person or organization)

  • $1,000,000.00 Damage To Premises Rented To You Limit (Any one premises)

    • Excess of any other insurance coverage available 


Accidental Medical Excess Expense And Accidental Death and Dismemberment Coverage
Federal Insurance Company A ++ XV rating (Superior)

  • $25,000 Accident Medical Excess

  • $2,000,000 Maximum Limit (Per Accident)

  • $10,000 Orthopedic Appliances

  • $10,000 Physical Therapy

  • $500 Deductible per claim 

  • $10,000 Accidental Death & Dismemberment Principal Sum  ​​


Coverage Includes: Suits arising out of:

  • Injury or death of participants 

  • Injury or death of spectators 

  • Injury or death of volunteers 

  • Property damage liability 

  • Incidental medical malpractice 

  • All activities necessary to conduct events 

  • General negligence claims 

  • Cost of investigation and defense of claims, even if groundless

  • Landowners, Sponsors & Other Entities approved by the carrier may be added as additional insured at no additional charge. 

 
Coverage Excludes:

  • Motorized apparatus

  • Animal or equestrian events

  • Firearms, Weapons, Paintball

  • Mud Runs or Obstacle Course Races

  • Player vs Player suits

  • Ziplines​  

For all insurance/sanctioning inquiries, please email USARA.