In a recent interview, Running USA Executive Director Jay Holder sat down with Nathan Nicholas of Nicholas Hill Group to address updates and improvements to the Running USA insurance program, a foundational member benefit. With market-driven changes taking place, this discussion shed light on what members need to know moving forward. You can view the entire conversation here, and highlights are summarized below.
Why the Change in Insurance Carriers?
Nicholas Hill Group, a longtime insurance partner for Running USA, recently transitioned the program to a new carrier after Everest Insurance exited the market at the end of 2024. This unexpected development, announced around the holiday season, required a swift response.
“We didn’t see it coming,” Nicholas explained. “ We had to pivot quickly and find a new home that aligned with our priorities—stability, simplicity, and affordability.”
Despite the challenges, Nicholas Hill Group secured a new carrier that maintains the program’s core benefits while enhancing its accessibility and operational efficiency.
What’s Staying the Same—and What’s Changing?
Same:
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Rates per participant: The per-participant fee structure remains unchanged, offering continuity in pricing.
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Simple online platform: Members can still complete the entire process—quote, purchase, certificate issuance—in minutes.
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Coverage scope: From small charity walks to large ultramarathons, all events continue to be covered under the policy.
Changes:
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Minimum Premium and Additional Insured Fees: These upfront costs have increased slightly. Events with fewer than 100 participants may see higher base costs due to the new carrier’s state-filed rates.
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Policy Length Limitation: Organizers can currently only insure events up to April 1, 2026. This is a temporary structural constraint based on the one-year term of the master policy and will be extended as the program renews.
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Broader availability of optional coverages: Enhancements like liquor liability (for events where alcohol is sold or served by the organizer) are now available in more jurisdictions than before.
Optional Enhancements and Built-In Protections
Nicholas highlighted several optional add-ons that members can use to tailor coverage:
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Liquor Liability Insurance: Now available in more locations, this add-on is essential if your event includes alcohol sales or direct service.
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Non-Owned Auto Coverage: For events involving volunteer or rented vehicle use.
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Participant Accident Coverage: Included automatically, this helps with medical expenses if someone is injured at the event.
Event cancellation coverage—still available—remains a separate offering. Due to increasing weather-related disruptions, it’s more relevant than ever. Nicholas strongly recommended organizers consider it and noted that Running USA has resources to help members evaluate this option.
The Importance of Critical Mass
Why should more Running USA members use this insurance platform?
Nicholas explained: “The more members participate, the more leverage we all have to negotiate better rates and enhanced coverage.” With increased participation comes increased bargaining power—essential for influencing future policy changes, such as addressing coverage gaps for common issues like service animals at races.
“This is your program,” he emphasized. “It belongs to Running USA members. The more people who use it and share their experiences, the better we can make it.”
How to Sign Up or Learn More
The good news is that the Running USA insurance program has emerged from transition stronger and more capable than ever. With stable pricing, familiar processes, and added flexibility, the program remains a cornerstone benefit for event organizers across the country.
To learn more or secure coverage for your events, visit this webpage. For additional questions, contact membership@runningusa.org.