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Event Insurance

Affordable liability insurance for your next 5K, fun run, charity walk or marathon

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The event liability & participant accident insurance program is a purpose-built insurance program for running races developed by Nicholas Hill Group for Race Directors HQ members.

What the policy covers

  • check markkGeneral liability (bodily injury/property damage)
  • check markkDamage to venue premises
  • check markkParticipant accident medical
  • check markkLegal liability to participants, staff, volunteers

Policy limits

  • check markk$1,000,000 per-incident limit *
  • check markk$2,000,000 aggregate limit *
  • check markk$1,000,000 personal injury limit
  • check markk$1,000,000 legal liability limit
  • check markkNo medical expense limit

* Additional coverage available on demand

Get your free quote

Who it's for:

  • check markk5Ks, 10Ks
  • check markkFun runs/walks
  • check markkCharity runs/walks
  • check markkKids runs
  • check markkTimed races
  • check markkHalf marathons
  • check markkMarathons
  • check markkUltramarathons
  • check markkTrail races
  • check markkObstacle races (OCR)
  • check markkNight runs
  • check markkColor runs
  • check markkGlow runs
  • check markkMulti-day events
  • check markkVirtual races

Notable exclusions:

  • exclamation markTriathlons, duathlons and multisport events
  • exclamation markAdventure races
  • exclamation markEvents with animal involvement

What race directors say

Human Potential Running Series team

I have used both RRCA and USATF to insure my events (I have 12 and most on state and federal land)...and choosing Nicholas Hill has been the easiest and most cost effective of the three. Highly recommended.

John Lacroix, Human Potential Running Series

Human Potential Running Series
SBR Fun Events triathlete

I had less than seven weeks to prepare for an event, and using Nicholas Hill Insurance made it so race insurance was one thing I didn't have to stress about while I launched my first year event...Everything was handled by email, and pricing was transparent and fair.

Camille Baptiste, SBR Fun Events

SBR Fun Events
IRONBULL Ultra Trail

Nicholas Hill Group has been incredibly responsive on questions for our events. Additionally, their platform has been very easy to generate certificates of insurance for additional insureds.

Andrea Larson, IRONBULL

IRONBULL
Wicked Wilson Gravel Race

I used Nicholas Hill Group last year for a gravel race and they were super responsive and helpful. Hopefully I'll never have to find out how good they are to work with on actually making a claim ;) But if it's anything like the support I received on the front end I'm not concerned at all. They seem very professional!

Brandon Steinert, Wicked Wilson

Wicked Wilson

Program Highlights

Increase registrations

Reliable

Underwritten by Accredited Surety and Casualty Company (Rated: A- [Excellent]).

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Affordable

Rates from $0.25 per participant (subject to $275 policy minimum).

Monitor event feedback

Convenient

Purchase and confirm your policy online in minutes.

Insure your race today

Confirm your insurance policy online in a few easy steps.

Get your free quote