Club Insurance
USA Triathlon has officially transitioned our club insurance program to Fairly Insurance. If your club purchased insurance through Marsh McLennan Agency (MMA) for 2025, your coverage remains active through December 31, 2025—no action is required at this time. If you need a Certificate of Insurance (COI), you may request one directly from the Fairly Group.
When you renew your club for 2026, you will receive the updated link to purchase coverage through Fairly.
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 premiums are paid. Additional questions may be sent to USA Triathlon's Club Program Team at clubs@usatriathlon.org or (719) 884-5621.
How to Purchase Insurance#
Step One
When registering your club at member.usatriathlon.org, select "Club Insurance Needed"
Step Two
Await instructions via email from USAT on how to purchase insurance.
Step Three
Complete the insurance application on the USA Triathlon Portal.
Email the Fairly Group for username and password details.
Step Four
Receive Certificate of Insurance from MMA.
Coverage #
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 scheduled club activities. Whether it’s a morning run, weekend bike ride, or club meeting, your members can be covered in the event of injury during these activities. The policy period runs January 1, 2025 – December 31, 2025.
Fairly Insurance is pleased to offer official USA Triathlon Clubs the opportunity to purchase, request, and retrieve certificates of insurance on the Fairly portal.
USA Triathlon Clubs can apply for Directors’ & Officers’ Liability (D&O) coverage on the USA Triathlon Portal. Email the Fairly Group for username and password details. This coverage is often confused with General Liability or Business Liability Insurance, but it provides different protections.
D&O coverage protects club directors and officers from personal liability arising from wrongful acts or omissions in performing their duties. Typical D&O claims may allege mismanagement of funds or negligent decisions affecting club members, participants, coaches, officials, or 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 email the Fairly Group.
When you register for insurance, please provide the total number of club members. These members are covered from day one. Upload a club roster through your club profile—this mandatory document should be updated as your club grows to ensure accurate coverage. Updating the roster at least bimonthly is recommended.
We also encourage club leaders to share the benefits of USA Triathlon annual membership with members who are not current USAT annual members. One-day memberships can be applied toward an annual membership—three one-day memberships can be combined for an annual membership at a discounted rate.