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.

What are the benefits of being sanctioned and insured by USARA?

  • After purchasing your insurance policy, a certificate of insurance will be provided to you, as well as additional certificates required by third- party additional named insureds, like canoe liveries, landowners, parks, and other permitting authorities.

  • Inclusion/Access to USARA’s promotions and expertise:

    • Prioritized event, logo, and link promotion on the USARA website and calendar

    • Social media promotion on the USARA social media platforms

    • USARA newsletter promotion

    • Your event included in USARA national ranking system

    • Personalized guidance available to assist race directors in conducting safe and well-organized events

    • Inclusion in a broader effort to support the growth of adventure racing

    • Opportunity to apply for Regional Qualifier status (with free entry to Nationals for winning mixed gender team)

    • Status as a safe and well-managed USARA event complying with minimum event sanctioning requirements

    • Status as an environmentally-sensitive event complying with USARA ecological standards

    • USARA representatives available at selected events

    • Affiliate membership, giving promoters clout when seeking event sponsorship 

  • Events must be approved and have USARA insurance coverage in order to be USARA sanctioned. 100% of the premium paid by RDs for insurance is paid to the insurance carrier. USARA does not profit from the sale of insurance to RDs.

QUALIFICATIONS FOR USARA INSURANCE/SANCTIONING

Individual Racer Membership:

For an event to be insured and sanctioned by USARA, all racers must be USARA members. Without active membership, racers are not insured under the policy. While we encourage racers to purchase an annual membership ($35), which supports USARA’s programming and provides access to a range of benefits in addition to insurance coverage during all sanctioned events, a one-day membership is available at a cost of just $8.  We recommend RDs provide for purchase of a one-day membership as an option during the registration process, to streamline check-in on race day. The RunSignUp platform is fully integrated with USARA membership, allowing both membership dues and waivers to be handled electronically during registration.

Race Director / Organization:

  • Must be in good standing for all previous events / membership dues

  • Race organization must be an be an established corporation or non-profit entity with a Federal EIN Tax ID #

  • Must respond to any/all inquiries from USARA about sanctioned event logistics and safety

  • Must comply with USARA minimum event sanctioning standards, including safety and ecological standards

  • Must display USARA logo on race website and other promotional materials

POLICY INFORMATION

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.