Event Liability

Race Director General Liability Event Policy

USAT provides comprehensive liability insurance coverage to sanctioned events. The USA Triathlon policy automatically covers USA Triathlon race directors, sponsors, volunteers, officials, and participants while participating in sanctioned events.

Once an event is sanctioned through the online sanction system, a certificate of insurance is issued which evidences policy number(s), type(s) of coverage, limit(s), and deductible(s) for the individuals listed above. A certificate provides the certificate holder proof of insurance only. A certificate of insurance may be issued to anyone wanting proof of event insurance.

Additional insureds beyond race directors, sponsors, volunteers, officials, and participants can be added sparingly and only if required by contract. Not all individuals/groups may qualify for additional insured status and an issuance of an insurance certificate does not guarantee coverage for the party requesting coverage. There is a fee for each of these outside groups that are added as additional insured.

There are two types of certificates that are issued under the general liability policy.

CLASS 1: Named Insured (no extra cost) – individuals already named on the policy (see above) who need proof of their coverage:

  • Race Director
  • Race Organizing Committee/Company/Club
  • Sponsors

CLASS 2: Additional Insured (See fee structure below):

  • Property Owner
  • Facility
  • Government Entity (excludes police and medical personnel)
  • Venue
  • Others as Required by Contract

Remember to ask if an entity needs to be listed as an additional insured before submitting the sanction application. Coverage limits are shared with every additional insured added to the event!

Fee Structure for Additional Insured

  • Class 1 Named Insured: FREE!
  • Class 2 Additional Insured: 
        - $10 each on top of your sanctioning fee
        - $25 each on top of your sanctioning fee if requested within a week of your event date

We cannot guarantee that requests made within 72 hours or less before your event will be processed in time.

All additional insurance requests should be made directly through the sanction application or by emailing sanction@usatriathlon.org.

Additional Information on our Program General Liability can be obtained by reading through the Frequently Asked Questions or by emailing Sanctioning.

USA Triathlon has a full-time risk management team available to answer any specific policy questions. Race directors can call ESIX at 1-800-342-4371 ex: 120 speak with Jennifer Waller.