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The RRCA is the oldest and largest organization in the US dedicated to distance running.

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RRCA Certified Race Director Insurance Program

Nonprofit Running Clubs and Event Management Companies that are members of the RRCA (both for- and nonprofit) may own events as well as be hired by clients for the purposes of event management services.  This additional insurance program is designed to cover running clubs and event management companies that are hired to put on events for a third party, which is not covered through the RRCA’s master general liability insurance program.  We encourage RRCA members engaging in these business activities to utilize this insurance program to cover their activities when hired by a third party client.  As a condition of continual coverage, a running club or event management company must have at least one RRCA Certified Race Director in good standing as of December 31, 2013 that represents the club or event management company.  Since your club or event management company is providing professional services to a client, the RRCA will require Race Director Certification or enrollment into the Race Director Certification Course before a club or event management company will be allowed to access this insurance program.  For this first year, representatives must complete the course by December 31, 2013 in order for the policy to be renewed in 2014. After January 1, 2014, new representatives for clubs and events will need to complete the course before access is granted to this insurance program. 

For Nonprofit Running Clubs: If a client hires the Club for the purposes of event management service, the Club MAY NOT list these events as covered and owned events.  This transfer of insurance is strictly prohibited. If a nonprofit club is engaging in event management services for-profit for the purpose of raising additional income for the club, this new insurance program is designed to cover the Club’s hired activities/event management services.  This policy is separate from the RRCA Insurance Policy for Club Owned Events, training runs, and social events.  A nonprofit running club MUST have at least one RRCA: Certified Race Director that oversees the event management services of a club.  To ensure insurance coverage for non-owned events, nonprofit running clubs may purchase this additional insurance policy to cover their event management services business activities.  This insurance DOES NOT insure the client’s event.  A client must also join the RRCA as an event member as this insurance is secondary to the RRCA event member policy.  The Club providing event management services must get a copy of the certificate of insurance from their client to verify that the client’s event is properly insured. Under no circumstance can a club charge a client fees for insurance and then report the events to the RRCA as owned events for insurance coverage for the event.  The RRCA has a zero tolerance policy for members that “sell” our insurance to another party.

For Event Management Companies: The owner of the Event Management Company must be an RRCA Certified Race Director to access this insurance program. If an event management company OWNS their events, these are insured through the RRCA’s general liability program.  If an event management company is hired by a client for the purposes of event management services, the RRCA’s general liability program DOES NOT cover these business activities. To ensure insurance coverage for non-owned events, this additional insurance policy is designed to cover event management business activities including timing services. This insurance DOES NOT insure the client’s event. A client must also join the RRCA as an event member or get insurance from another provider to cover their event.  The Event Management Company must get a copy of the certificate of insurance from their client to verify that the client’s event is properly insured. Under no circumstance can an event management company charge a client fees for insurance and then report the events to the RRCA as owned events for insurance coverage for the event.  The RRCA has a zero tolerance policy for members that “sell” our insurance to another party.

Covered Activities Through this Program:

This insurance program covers an RRCA Certified Race Director’s owned and non/owned events that are approved by RRCA.  For non-owned events, this policy is a secondary policy, and all RRCA Certified Race Directors seeking coverage for non-owned events must request a certificate of Insurance from clients, and verify that the event is insured by either RRCA or USATF.  Non-owned events insured by a third party should be reviewed with RRCA to ensure that the event is properly insured.  This insurance program also covers:

  • Event management activities that may including timing services,
  • Finish-line management,
  • Scoring,
  • Professional liability,
  • Day-to-day operations of a race director,
  • Office premises, (including home offices)
  • Insured set-up and tear down periods,
  • Concession sales at insured events,
  • Ancillary events held in conjunction with insured events and customary ancillary actives such as occasional fund raising events, dinners, awards banquets and planning sessions.

Excluded activities:

High risk events that include overnight relay races run on open roads (no police support, no road closures, or separate lanes for participants), and high risk events commonly referred to as mud-runs, “warrior dashes”, and urbanathons that include man-made obstacles such as man-made mud pits, man-made slippery slopes, wall climbs, tunnel crawls, or other similar man-made obstacles.  Events run on man-made trails or cross country courses that do not include man-made obstacles ARE included in coverage, but the course cannot be altered to create man-made obstacles such as watering-down a dry trail or cross country course with a hose to make it muddy.  Amusement devices such as moonbounces, dunk tanks, and pools are excluded from the policy, as well as multisport training programs and events (triathlons, biathlons, etc.). Also excluded are fireworks, terrorism, fungi or bacteria, pollution and asbestos. Star Insurance can write a policy specifically for your event if the RRCA insurance program cannot cover the event due to exclusions to our policy.

Included Coverages:

General Liability policy: rate based on participant number

  • $1,000,000 of per occurrence of liability coverage (includes participant legal liability)
  • NO general aggregate limit
  • $500,000 of damage to premises rented to you
  • $500,000 sexual abuse & molestation of per occurrence liability coverage
  • $5,000,000 general aggregate limit sexual abuse & molestation

Accident Medical Policy (excess) rate based on participant number

  • $10,000 excess accident medical
  • $250 Deductible

Day-to-Day activities, office premises operations & Non Owned/Hired Auto

  • $1,000,000 for nonowned and hired auto liability (only those autos not owned by the insured or autos leased, hired, rented or borrowed for use on the official business of the RRCA Registered Race Directors

Membership and Insurance Fees:

  • For running clubs that are already RRCA members, but they are purchasing this additional coverage for non-owned events, you pay the per participant rate for each event you are seeking coverage for.
  • Nonprofit Event Management Companies pay a once annual flat fee of $76 plus $0.05 per race participant, event volunteers, and race committee members for owned event, and $0.01 per race participant for NON-OWNED events.
  • For-Profit Event Management Companies pay an once annual flat fee of $100 plus $0.05 per race participant, event volunteers, and race committee members for owned event, and $0.01 per race participant for NON-OWNED events.

Insurance Rates for OWNED Events
Day-to-Day activities, office premises operations & Non Owned/Hired Auto - $530
All event members pay General Liability Insurance rates on a scale based on the number of participants, volunteers and race committee members involved with the event.

$1 million policy:

  • 539 or fewer participants is a flat fee of $145
  • 540– 999 pay $0.46 per total participants
  • 1000–1999 pay $0.40 per total participants
  • 2000–3000 pay $0.33 per total participants
  • 3001–12,499 pay $0.30 per total participants
  • 12,500+ pay $0.21 per total participants

Insurance Rates for NON-OWNED Events:
Day-to-Day activities, office premises operations & Non Owned/Hired Auto - $530
All event members pay General Liability Insurance rates on a scale based on the number of participants, volunteers and race committee members involved with the event. 

Rates for NON-OWNDED EVENTS $1 million coverage only for non-owned event:

  • 539 or fewer participants is a flat fee of $72.50
  • 540– 999 pay $0.23 per total participants
  • 1000–1999 pay $0.30 per total participants
  • 2000–3000 pay $0.17 per total participants
  • 3001–12,499 pay $0.15 per total participants
  • 12,500+ pay $0.10 per total participants

Optional Coverages:

This program is also offered through the RRCA’s master insurance program.  The volunteer medical endorsement is available for all owned events for club and event management companies.  The insurance program also offers the optional Operations Package which provides for basic business type insurance coverages for your club or event management company.

Volunteer Medical Endorsement - $250
Properly licensed medical personnel working on the named insured’s behalf, limited to providing on-site emergency medical services, coverage is limited to sporting events and activities that are supervised, sanctioned and/or operated by the named insured.

Operations Package Program - $750*

  • $25,000 business income loss
  • $5,000 miscellaneous office equipment coverage
  • $75,000 business personal property coverage
  • $10,000 hardware/software coverage
  • $25,000 employee/volunteer dishonesty coverage – must have RRCA recommended financial policies and procedures in place for your club or event management company.
  • $25,000 forgery and alterations
  • $10,000 theft, disappearance, and destruction

*Exclusions include wind, hail, earthquake, and flooding as a peril.  To include coverage for these perils, contact Star Insurance for a quote.

To sign-up for this insurance program, you must first contact David Morgan at .(JavaScript must be enabled to view this email address) to verify enrollment in the Race Director Certification course and to receive more information about reporting your events to the RRCA.

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