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Club Insurance

USA Triathlon highly recommends clubs purchase group insurance to cover your club activities.

Under the insurance policy, club activities with two or more members are covered, including:

  • group bike rides
  • group runs
  • open water swims
  • club meetings

Insurance policies are valid from January 1 to December 31 each year regardless of when prmiums are paid. Additional questions may be sent to USA Triathlon's Club Program Team at or (719) 884-5621. 

How to Purchase Insurance

  • Step One

    When registering your club at, select "Club Insurance Needed"

  • Step Two

    Await instructions via email from USAT on how to purchase insurance

  • Step Three

    Complete insurance application

  • Step Four

    Receive Certificate of Insurance from IOA

  1. All club members must sign a club waiver to be covered under the policy. Your waiver must comply with local and state requirements.
  2. Upload a club roster when registering your club and update the roster throughout the year so members are convered.


USA Triathlon subsidizes up to 75% of club insurance, making it more affordable for clubs nationwide.

USA Triathlon highly recommends all USA Triathlon clubs purchase the club insurance policies. The General Liability (GL) and Participant Accident policy covers your club members during club calendared activities. Whether you have a morning run, weekend bike ride or meeting, your members can be covered in the event of injury during these activities. The new policy period runs January 1, 2024 - December 31, 2024.

IOA is pleased to offer official USA Triathlon clubs the opportunity to purchase, request and retrieve certificates of insurance. In addition, we have included other useful tools relating to policy information, claims handling and risk management. 

Learn more by watching this presentation and Q&A with Insurance Office of America.

When you register for your insurance, please provide the number of club members you believe your total club membership will be. The number of members you provide for your club are covered from day one with insurance. Through the club profile, upload a club roster, a mandatory document that must be updated as the club grows to be sure the club has the appropriate insurance coverage. It is best to update the club roster at least bimonthly to ensure accuracy.  

From there, we ask that you make best efforts to share the benefits of USA Triathlon annual membership with your club members who are not current USAT annual members. This includes informing those who have purchased One-day memberships that they can apply that to an annual membership (or if they have three, they can apply them all and get an annual for $5!).

Our hope is that you, as the club leader, help to inform them of the benefits of an annual membership so when they do get to racing they choose an annual over a one-day license.

Important Message: USA Triathlon recommends you explore securing Directors' & Officers' Liability for your individual Club. This coverage is often confused with General Liability or Business Liability Insurance, in spite of the coverage differences between the two policies.

This important coverage is not the same as General Liability as it does not include coverage for bodily injury claims. D&O insurance protects club directors & officers from personal liability associated with their wrongful acts, and omissions in the performance of duties for the Club. Typical D&O claims often allege mismanagement of funds and negligent decisions affecting club members, participants, coaches, officials and others. The policy also provides Employment Practices Liability (EPL) coverage for claims alleging harassment, discrimination or wrongful termination.

If interested in learning more about D&O options, please visit and email JD Wallum for more information.