Thank you for your interest in hosting a USARA sanctioned event. While we know that insurance 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 that offering a high quality insurance package that addresses the unique needs of adventure race directors and their racers is an absolute must. USARA has worked hard over the years to offer the best insurance policy it can to member race directors, and we are proud of the product we offer. We have twenty 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 medical coverage for your racers, volunteers, personnel, spectators, and land managers involved in your event.
After purchasing your insurance policy, a certificate of insurance will be available to download from the ASIS insurance website. Also on the website is the USARA waiver, which has been approved for use in all states. Your event must use this waiver and should not modify this waiver nor use any additional waivers as this could destroy the effectiveness of the waiver and impact the effectiveness of our insurance coverage. The waiver may now be placed electronically on your website for participants to complete.
Below, please find the insurance coverage information for 2020 USARA-sanctioned events. The coverage will give promoters their own individual policy limits for each event. This policy provides some of the most comprehensive coverage available in the sport of adventure racing. All participants, volunteers, and staff must sign the enclosed waiver BEFORE the event in order to be eligible for insurance coverage. Events must be approved and have USARA insurance coverage in order to be USARA sanctioned.
Any promoter holding camps or corporate training clinics may insure these events through USARA, using the camp and clinic insurance plan.
For additional questions regarding USARA insurance or to inquire further into event sanctioning, please email USARA.
All expenses associated with race-director fees go to the insurance company and their underwriters.
After purchasing your insurance policy, a certificate of insurance will be available to download from the ASIS insurance website. Also on the website is the USARA waiver, which has been approved for use in all states. Your event must use this waiver and should not modify this waiver nor use any additional waivers as this could destroy the effectiveness of the waiver and impact the effectiveness of our insurance coverage. The waiver may now be placed electronically on your website for participants to complete.
Below, please find the insurance coverage information for 2020 USARA-sanctioned events. The coverage will give promoters their own individual policy limits for each event. This policy provides some of the most comprehensive coverage available in the sport of adventure racing. All participants, volunteers, and staff must sign the enclosed waiver BEFORE the event in order to be eligible for insurance coverage. Events must be approved and have USARA insurance coverage in order to be USARA sanctioned.
Any promoter holding camps or corporate training clinics may insure these events through USARA, using the camp and clinic insurance plan.
For additional questions regarding USARA insurance or to inquire further into event sanctioning, please email USARA.
All expenses associated with race-director fees go to the insurance company and their underwriters.
Why Purchase USARA Insurance?
In addition to the protection that you are purchasing, there are various other benefits to working with USARA's insurance provider, some of which are not reflected in the numbers. Among these benefits are:
- Top of the line limits (See below for details)
- Injury or death of participants, spectators or volunteers
- Third Party property damage liability
- Activities necessary to conduct events
- General negligence claims
- Racers, volunteers, staff, and bystanders/spectators are all insured
- Cost of investigation and defense of claims, even if groundless
- An efficient, easy to use online interface; rapid/immediate generation of electronic certificate of insurance
- Generate a certificate immediately for additionally insured parties including land managers, private land owners, businesses, or other third party entities
- Our online platform can accommodate unforeseen last minute certificates for additionally insured
- $5 million dollar aggregate coverage. This is a per event limit; for states or local entities that require higher than normal coverage rates, our policy will cover you, and unlike many insurance policies that increase premiums, these high limits are all included.
- Excellent customer service when you need individualized insurance coverage or additionally insured certificate-generation
Master Policy Limits
Arch Insurance Company (a member of Arch Insurance Group); AM Best Company Number 003186 / AM Best Rating A+ (Superior) XV
- $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 Rented Premises Liability (Any one premises)
- Excess limits are 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 Principle Sum
Exclusions
- Motorized apparatus
- Animal or Equestrian events
- Mud or Obstacle Runs
- Firearms, Paintball or Weapons
- Player vs. Player suits
- Zip-lines
Named Insured
USARA event organizers, promoters, event owners, race participants & race officials but only while acting in their capacity as such, during a USARA sanctioned event that has been endorsed to the policy. Landowners, Sponsors & Other Entities approved by the carrier may be added as additional insured at no additional charge.
Policy Fees
Single Day Event: 24 Hours or Less |
Cost |
1-100 Participants |
$488.00 |
101-300 Participants |
$654.00 |
301-600 Participants |
$1156.00 |
601-900 Participants |
$1655.00 |
901-1300 Participants |
$2322.00 |
1301-1700 Participants |
$2990.00 |
1701-2100 Participants |
$3656.00 |
2100-2500 Participants |
$4325.00 |
2501-2900 Participants |
$4992.00 |
2901-3300 |
$5659.00 |
Each Additional Day |
$152.00 additional |
Events With Ropes* |
$127.00 additional |
Swim-Run Events |
$50.00 additional |
Class III Whitewater Paddling and Above |
Contact USARA |
*Zip lines are not allowed
*USARA insurance CANNOT be used for Mud Runs or Obstacle Course Racing
*USARA insurance CANNOT be used for Mud Runs or Obstacle Course Racing
Individual participant fee/membership
USARA insurance requires individual participants to be "members". Without active membership, racers are not insured under the policy. While we encourage racers to purchase annual memberships, which cover insurance for a year of racing while providing various other benefits, we recognize that many racers may elect to purchase a daily membership, costing 8$.
We strongly encourage race directors to either include this in their registration fee, or include it as an "Ad-on" during the registration process.
USARA is developing a registration option that will allow RDs to send these individual fees to USARA electronically.
We strongly encourage race directors to either include this in their registration fee, or include it as an "Ad-on" during the registration process.
USARA is developing a registration option that will allow RDs to send these individual fees to USARA electronically.
Camps and Clinics
What is Covered? All Camp or Clinics, sponsored training sessions, and official meetings can be insured. The Liability provides General Liability and Participant Legal Liability for camp or clinic functions and events that are not USARA sanctioned races. Such events cost $300.00 per event for the first day and $140.00 for each additional day.
Who Is Covered? All participants, coaches, managers, volunteer workers, and staff members of the insured camp, clinic, or other event are covered while participating in sponsored and supervised athletic activities. This policy will not respond to claims arising out of travel to or from covered activities. This policy will not respond to non practice adventure races (Promoters cannot use this policy for events in place of purchasing USARA event insurance).
USARA Membership: All camp or clinic participants must have either USARA single event membership or USARA 1 year membership as if the event is a regular USARA-insured race.
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.
Accidental Medical Excess Expense And Accidental Death and Dismemberment Coverage
Federal Insurance Company A ++ XV rating (Superior)
Coverage Includes: Suits arising out of:
Coverage Excludes:
Who Is Covered? All participants, coaches, managers, volunteer workers, and staff members of the insured camp, clinic, or other event are covered while participating in sponsored and supervised athletic activities. This policy will not respond to claims arising out of travel to or from covered activities. This policy will not respond to non practice adventure races (Promoters cannot use this policy for events in place of purchasing USARA event insurance).
USARA Membership: All camp or clinic participants must have either USARA single event membership or USARA 1 year membership as if the event is a regular USARA-insured race.
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
- Equestrian events
- Firearms or Weapons, Paintball
- Ziplines
Event Details |
Cost |
Each Camp or Clinic, up to 300 people |
$318.00 |
Each Additional Day |
$152.00 |
Event with Ropes |
$127.00 |
*Contact for pricing if event includes: White water (Class III or above) or has more than 300 participants
UNITED STATES ADVENTURE RACING ASSOCIATION
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