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Walk/Run Event Insurance

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This program is designed for U.S.-based organizations and/or groups organizing a walking and/or running event.  Coverage provides important liability protection 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
Coverage is provided by a carrier rated A (Excellent) by A.M. Best Company.
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-​
-Adventure races-
-College or university level championship events
-Endurance races
-Events involving animals other than service animals,
or other similar man-made obstacles)
-Events with water activities or cycling activities-Political events
 -Events where the distance is more than 16 miles-Professional sports events, try-outs and training
-Full marathons (distances greater than 16 miles)camps/clinics
-Hiking events

 -Virtual events/activities
*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-​​Events that last more than 3 days (not including set-up and
​-​Abuse, molestation, harassment or sexual conduct (unless​tear-down), unless reported, approved, and the appropriate
​optional coverage is purchased)​premium has been paid
​-​Aircraft/hot air balloon​-​Events with over 10,000 in total attendance
​-​Amusement devices (the ownership, operation, maintenance​-​Fungi or bacteria
or use of: any mechanical or non-mechanical ride, slide or ​​-​Haunted attractions
​water slide, any inflatable recreational device, any bungee​-​Heavy metal/screamo, electronic/techno, rap, hip-hop 
​operation or equipment, any vertical device or equipment
​used for climbing-either permanently affixed or temporarily​-Lead
​erected, or dunk tank. Amusement device does not include-​​Legal liability to participants for professional athletes
​any video arcade or computer games)​and celebrity participants
​-​Ancillary activities that require a separate admission​-
​Medical payments for participants for professional athletes
​charge and/or are open to the public (unless optional​and celebrity participants
​coverage is purchased-attendance must be 3,000 or less)​-​Nuclear energy liability
​-​Animals (injury or death to, or injury, death or property​-
​Operation, ownership or management of any facility or
​damage caused by any animal owned, rented, or hired by you)​premises, other than while being used for covered activities
​-​Asbestos-​​Operations of independent concessionaires, exhibitors and
​-​Athletic or sports participants in any other sport/athletic​vendors at your event
​activity other than walking or running​-​Performers
Commercial general liability standard exclusions

​(CG0001 4/24 edition)
​Room and board liability
​-​Communicable Diseases​-​Saddle animals
​-​Cryogenic chambers/therapy​-​Snowmobile
​-​Employment-related practices​-​Violation of statutes that govern e-mails, faxes, phone calls
​-​Events held outside the United States​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