Simple. Stable. Safe.
Powered by Nicholas Hill Group
Exclusive liability and accident medical coverage for Running USA members and their events are a cornerstone member benefit* supplied by the Nicholas Hill Group. Signing up is:
✔ Fast – Insure all your events for the year within minutes.
✔ Easy – Apply and pay online with coverage documents delivered electronically, speeding up your permitting process.
✔Affordable – The collective buying power of the Running USA community lowers the cost of policies for everyone.
Learn more and sign up today:
General Liability Coverage Information
Carrier: Accredited Surety & Casualty Company, Inc.
(Admitted | A- Excellent AM Best Rating)
Standard Coverage Limits:
- $1,000,000 – Each Occurrence
- $2,000,000 – General Aggregate
- $1,000,000 – Products/Completed Operations
- $1,000,000 – Personal Injury & Advertising Injury
- $1,000,000 – Participant Legal Liability
- $300,000 – Damage to Premises Rented to You
✅ Waiver of Subrogation
✅ Host Liquor Coverage
✅ Primary & Non-Contributory wording
✅ TRIA included
✅ Additional Insureds included (up to 25. Over 25 available for an extra fee)
Eligible Events:
● Road races and running events
● Marathons and ultra distances
● Virtual races
● “Run in the Dark” events (coverage available at a higher rate per participant and subject to additional underwriting)
Not Covered:
● Triathlons, duathlons, inflatable/amusement devices
● Events with animals (except service animals)
● Fireworks, trampolines, zip lines, and more
● Events with over 10,000 participants (coverage is available but subject to additional underwriting)
Pricing:
- $0.15 – $0.25 per participant (base rate)
- Virtual races: ~$0.07 per participant
- Minimum premium: $275 (Includes up to 25 Additional Insureds)
Optional Liability Enhancements
- Liquor Liability – From $150
- Hired & Non-Owned Auto – $150
- (Excludes large vans, box trucks, etc.)
Increased Limits – $2M / $4M available ($525 minimum)
Participant Accident Medical Coverage (available when purchasing Event Liability Coverage)
- Coverage for participants and staff. Peace of mind for your event.
- Carrier: United States Fire Insurance Company
- (Admitted | A Excellent AM Best Rating)
Benefits Include:
- $10,000 – Maximum Medical per Claim
- $2,500 – Accidental Death & Dismemberment
- $100 – Deductible per Claim
- Annual policy term
- Excess coverage included
Pricing:
- $0.10 per participant
- No minimum premium required
Note: Accident coverage is optional for virtual events but must be paired with liability coverage for in-person events.
Event Cancellation Insurance
Nicholas Hill Group also offers the Running USA Member Event Cancellation Insurance Benefit! This program provides Running USA members* with a simplified application process that includes a team of dedicated underwriters to assist each member in securing this critical insurance protection.
Apply for Event Cancellation Insurance
This Event Cancellation Insurance is what is known as “all-cause” coverage. This means that as long as the cause of your Event being Cancelled, Abandoned, Postponed, Curtailed, or Relocated is beyond your control and not excluded, you are covered for it. To view the complete sample policy, please see the Gold, Silver or Bronze plan links below.
GOLD: Base coverage including acts and threats of terrorism without a specific time and distance limitation. Acts and threats of terrorism that involve nuclear/biological/chemical materials are excluded.
SILVER: Base coverage, including acts and threats of terrorism that occur within 50 days and 50 miles of the insured event. Acts and threats of terrorism that involve nuclear/biological/chemical materials are excluded.
BRONZE: Base coverage, excluding terrorism coverage.
Fully customized policies are also available – simply select the customized option on the application.
*These benefits are only available to active Running USA members. Confirm your organization’s membership status by logging in here, or email membership@runningusa.org