If you’re planning a 5K, fun run, or marathon, you already know it’s a meticulous process. There are hundreds of tiny details to work through. Not to mention the things that you’ll only discover the day of like weather, crowd turn out, etc. With so much to plan, it’s imperative that every race has insurance. If you’re looking for comprehensive race insurance, you’ve come to the right place.
Why You Need Event Insurance
- Accidents happen. No matter how prepared you are you can never predict what will happen on the day of the big race. Races often attract large crowds and with lots of people, low visibility, and loud noise it’s easily possible for an accident to take place.
- Hydration matters. Running itself is a physically intense sport. Runners should always have water and food available so they can refuel and stay hydrated. That being said, running in the summer heat can still be dangerous. Exhaustion, or even just tripping and falling, can lead to injury.
- Inclement weather. It’s always good to have a back up plan in case of inclement weather. Sometimes, however, things can be unpredictable. Excessive heat, rain or winds can all cause problems for runners as well as the crowds watching.
- (Heaven forbid) Motorists. While you may have already taken the necessary precautions (signs, road blockades, informing the police, etc.), there’s always a chance a motorist may drive onto roads being used by the race. Creating a safe environment is the most important thing you do as a race organizer. That being said, elements like bad weather and low visibility make the risks higher.
Where To Get Race Insurance
In the end, if any of these things result in an accidental injury the race will be liable. Having excellent 5K event insurance is the best thing you can do to protect your event and take care of participants. SpectaSport is not an insurance agency, but we can steer you to companies that offer race cancellation insurance and individual registration insurance (for people who enter, but then can’t run) if your race is interested.
Remember: you can’t assume that your regular liability insurance covers a 5K, ask your agent! 5K’s will almost always leave your organization’s premises, does your organization’s in-place liability insurance cover off-premises activity?
If your liability insurance does not cover the 5K, SpectaSport recommends sanctioning your race through USA Track & Field. By definition, USATF’s insurance is the industry standard by definition, that’s important if something does go wrong and lawyers get involved.
Get Your Race Insurance Questions Answered at SpectaSport
We believe that “good enough” is not good enough for your race. To make a foolproof plan and get expert advice, call (610) 306-0574 or fill out our online form to speak with a race organizing professional at SpectaSport..