Insurance
USA Triathlon has partnered with the Fairly Group to offer comprehensive insurance options for race directors. For specific policy questions you can contact USATriathlon@fairlygroup.com.
USAT provides comprehensive insurance coverage to all sanctioned events. The coverage provides liability coverage to protect race directors, sponsors, volunteers, officials, and participants. The athlete participant accident secondary medical coverage protects each participant for the day of the event.
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 should be requested from the USA Triathlon Portal (username: USATRIATHLON and password: Tri@thl0n#2025!) 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 the Fairly Group.
When athletes purchase a USA Triathlon Membership, including an annual or one-day membership, a portion of those fees cover the cost to provide them with excess medical insurance. This coverage only extends to their participation in a USA Triathlon sanctioned event and is only available after the injured party has filed with any primary insurance policies. A Race Director must report all incidents to USA Triathlon via USA Triathlon Incident Reporting. No medical claim can be filed with USAT’s 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 Response Checklist.
Race Directors should contact Insurance@usatriathlon.org with any questions.
- Athletes must file with their primary healthcare provider (i.e. United Healthcare, Blue Cross Blue Shield, Aetna, traveler's insurance, etc.).
- Athletes will receive claims filing instructions from USA Triathlon once the race director submits an incident report. The athlete will file their claim directly with our third party claims processor, Administrative Concepts, Inc. (ACI) who will handle all aspects of the claim processing.
- Athletes will be required to pay a deductible. All athletes using USA Triathlon insurance will pay anywhere from $250 to $1,000 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.
USA Triathlon provides the most comprehensive insurance, legal protection, and incident response support in the endurance sports market. Our program is purpose-built for multisport events and structured to protect race directors, athletes, and events, before, during, and after race day. Unlike insurance-only products, USA Triathlon delivers coverage + legal advocacy + operational crisis support. Outlined below are the key differentiators in USA Triathlon’s offerings vs. other on-market insurance-only offerings:
USA Triathlon provides materially higher limits and broader protections than standard event insurance products.
| Coverage | USA Triathlon | Typical Event Insurance |
| Each Occurrence | $2,000,000 | $1,000,000 |
| General Aggregate | $4,000,000 | $3,000,000 |
| Products / Completed Ops Aggregate | $2,000,000 | $2,000,000 |
| Personal & Advertising Injury | $2,000,000 | $1,000,000 |
| Damage to Premises | $2,000,000 | $300,000 |
| Medical Expense (Premise Only) | $5,000 | $5,000 |
| Abuse & Molestation – Per Claim | $2,000,000 | $25,000 |
| Abuse & Molestation – Aggregate | $4,000,000 | $50,000 |
| Liquor Liability | Included | Not Included |
| Participant Legal Liability | Included | Not Included |
| Hired Auto Liability | $2,000,000 | $1,000,000 |
| Non-Owned Auto Liability | $2,000,000 | $1,000,000 |
Excess Liability – Sanctioned Events
| Coverage | USA Triathlon | Typical Event Insurance |
| Primary Excess- Each Occurrence | $3,000,000 | $0 |
| Primary Excess - Aggregate | $3,000,000 | $0 |
| Secondary Excess - Each Occurrence | $2,000,000 | $0 |
| Secondary Excess - Aggregate | $2,000,000 | $0 |
Athlete Participant Accident Coverage
| Coverage | USA Triathlon | Typical Event Insurance |
| Maximum Medical Expense | $25,000 | $25, 000 |
| Accidental Death | $10,000 | $10,000 |
| Benefit Period | 52 Weeks | 52 Weeks |
Coverage is included through annual and one-day membership.
** NOTE: Limits are included in and no in addition to the General Aggregate limit above
USA Triathlon provides direct legal, governance, and insurance advocacy in the event of serious incidents.
When a critical incident occurs, USA Triathlon immediately activates legal counsel, insurance partners, governance and organizational leadership, risk management specialists. The support provided by the extended team includes immediate incident response guidance, claims handling and litigation navigation, communication and resolution strategy, and direct support for race directors, athletes, and families.
Race directors are supported operationally, legally, and procedurally from incident through resolution.
USA Triathlon policies provide legal defense outside of liability limits. This ensures full coverage limits remain intact, legal fees do not erode available protection, and defense costs do not reduce claim settlement capacity.
USA Triathlon provides significantly higher abuse & molestation coverage combined with mandatory prevention protocols, including background checks for events involving minors and SafeSport training requirements. These protections reduce risk exposure while improving athlete safety and compliance standards.
USA Triathlon insurance is widely recognized and accepted by Municipalities, parks departments, land management agencies, and venue operators, supporting faster certificate issuance, fewer permit delays and reduced administrative friction.
Race director coverage included in sanction fee, coverage and athlete accident included in memberships. Fixed fees are independent of participant count.
Beyond insurance and incident support, sanctioned events receive continued support through event planning, execution, and incident resolution and includes direct access to our USA Triathlon legal and governance teams, risk management support, event operations guidance and consultation, and enhanced safety and officiating resources.
Under our sanctioned event insurance and support, USA Triathlon provides superior insurance coverage, materially higher liability limits, direct legal advocacy, and operational crisis response support, delivering a level of protection and partnership unmatched by insurance-only event products.
Optional policies such as medical malpractice coverage may be available upon request. Please email the Fairly Group for more information.
