Insurance
USA Triathlon has partnered with the Marsh McLennan Agency (MMA) to offer comprehensive insurance options for race directors. For specific policy questions you can contact usatrequests@marshmma.com.
USAT provides comprehensive insurance coverage to all sanctioned events. The coverage provides liability coverage to protect the race director, sponsors, volunteers, officials, and participants. The athlete excess medical coverage protects each participant for the day of the event.
Coverage for All Sanctioned Events#
Every USA Triathlon sanctioned event receives event liability and participant accident medical coverage in return for sanctioning with USA Triathlon. Learn more about these two coverages in the drop-down menu below.
USA Triathlon 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.
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.
Certificates are requested via the USA Triathlon Insurance Zone and must be requested prior to the date of the event. We encourage you to submit all insurance requests at least 72 hours prior to your event.
If you have any questions, please contact USA Triathlon Event Services or MMA.
A Race Director must report all incidents to USA Triathlon via incident report form. No medical claim be filed with insurance until USA Triathlon has received the report.
Should a fatality or life-threatening incident occur at a USAT sanctioned event, the Race Director should follow the steps outlined in the Critical Incident Checklist.
Race Directors may contact Insurance@usatriathlon.org with questions.
- Athletes must file with their primary healthcare provider (i.e. United Healthcare, Blue Cross Blue Shield, Aetna, traveler's insurance, etc.).
- Athlete completes a medical claim form. The medical claim form along with all explanation of benefit documents should be sent directly from the athlete to the insurance company as indicated on the claim form.
- Athletes will pay a deductible. All athletes using USA Triathlon insurance will pay anywhere from $250 (two-hundred and fifty U.S. dollars) to $1,000 (one thousand U.S. dollars) out of pocket and possibly more for uncovered expenses.
- Coverage limitations. Be advised that coverage may not apply to each and every claim. Additionally, coverage only extends to participants that have purchased a USA Triathlon annual or one-day membership and were injured through participation in a USA Triathlon Sanctioned Event.
- For questions, please contact insurance@usatriathlon.org.
