Skip navigation links
Customer Service
Contact Us
First time users must register in order to save their Quotes & Applications: Register here
Select a Category
Martial Arts
Activity and Social Clubs
Outfitters and Guides

Walk/Run Event Insurance

E-mail this page  | Print this page
Phone 1-817-339-2017
Fax 1-224-572-5709
Claims 1-800-237-2917
Ask us a Question/E-mail
This program offers walking and running event liability insurance for U.S.-based groups organizing a variety of fundraising walks, community runs, charity walks, 5K and 10K runs, and similar walk-and-run events. Coverage provides liability insurance for the organization, including its employees and volunteers, for liability claims arising out of its operations. The program also includes medical payments for participants (on an excess basis) for those participating in the event. To qualify for program coverage, the following criteria must be met:
  • Maximum number of participants is 10,000
  • Maximum number of event days is 3 days or less
  • Total course distance cannot exceed 16 miles
Eligible Operations

Walking and/or running events with a course distance of less than 16 miles, including but not limited to:

-5k or 10k walk/run-Non-competitive charity walk/runs
-Children's walk/runs-Timed/competitive walk/runs
-Fundraising walk/runs-Walkathons
Ineligible Operations  
​-​Activist rallies/marches/protests-​Mud runs/warrior runs/zombie runs/obstacle course​
-Adventure racesruns/urbanathons (competitions, exhibitions or foot races
-College or university level championships eventsthat involve man-made obstacle courses, man-made
-Endurance racesmud pits, man-made slippery slopes, wall climbs,
-Events involving animals other than service animals,or other similar man-made obstacles)
​unless reported and approved by the company*​-​Political events
-Events with water activities or cycling activities-Professional sports events, try-outs and training
 -Events where the distance is more than 16 miles
-Full marathons (distances greater than 16 miles)
-Hiking events
Virtual events/activities
-Iron man events 
*Contact us for additional information needed for coverage consideration.​ ​ ​
Coverages Available & Program Highlights:

General Liability

Optional Coverages

-Bodily Injury and Property Damage-Ancillary Activities/Events
-Personal & Advertising Injury
-Medical Expense (other than participants)
-Damage to Premises Rented to You (Fire Legal Liability)
-Products-completed Operations
-Legal Liability to Participants
-Medical Payments for Participants
Notable Exclusions​ ​ ​ ​
​ ​ ​ ​
-​​24-hour premises liability-​Employment-related practices
​-​Abuse, molestation, harassment or sexual conduct (unless​-
Events held outside the United States
​optional coverage is purchased)​-
Events that last more than 3 days (not including set-up and
​-​Aircraft/hot air balloon
tear-down), unless reported, approved, and the appropriate
premium has been paid
​-​Amusement devices (the ownership, operation, maintenance​-Events with over 10,000 in total attendance
​or use of: any mechanical or non-mechanical ride, slide or​-Fireworks
​water slide, any inflatable recreational device, any bungee​-Fungi or bacteria
​operation or equipment, any vertical device or equipment​-Haunted attractions
​used for climbing -either permanently affixed or temporarily​-Heavy metal/screamo, electronic/techno, rap, hip-hop
​erected, or dunk tank. Amusement device does not includeconcerts/shows
​any video arcade or computer games)​-Lead
​-​Ancillary activities that require a separate admission​-
Legal liability to participants for professional athletes and
​charge and/or are open to the public (unless optional
celebrity participants
​coverage is purchased)​-Medical payments for participant for professional athletes
​-​Animals (injury or death to, or injury, death or propertyand celebrity participants
​damage caused by any animal owned, rented or hired by you)​-Nuclear energy liability
Operation, ownership or management of any facility or premises,
​-​Athletic or sports participants in any other sport/athletic
other than while being used for covered activities
​activity other than walking or running​-Operations of independent concessionaires, exhibitors and 
​Commercial general liability standard exclusions
​vendors at your event

(CG001 4/23 edition)
​-Communicable disease
​-Cryogenic chambers/therapy
​-Room and board liability

-​​Saddle animals


​-​Violation of statutes that govern e-mails, faxes, phone calls
​or other methods of sending materials or information
Preliminary Underwriting Information Required
-ALL participants and/or parents/guardians of minor participants must sign a release/waiver.
-Coverage will be bound for your requested dates upon receipt and approval of your completed enrollment form and