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General Liability Coverage
Commercial General Liability Insurance:
Philadelphia Indemnity Insurance Company A+ XII rating (Superior)
Landowners, Sponsors & Other Entities approved by the carrier may be added as additional insured at no
additional charge.
Master Policy Limits
Master policy limits are aggregate limits shared among all participating events. Excess limits are available.
• $3,000,000.00 General Aggregate
• $1,000,000.00 Each Occurrence Limit
• $3,000,000.00 Products / Completed Operations Aggregate Limit
• $1,000,000.00 Personal & Advertising Injury Limit (Any one person or organization)
• $100,000.00 Damage To Rented Premises Liability (Any one fire)
PARTICIPANT LEGAL LIABILITY: “Participant Legal Liability” is defined as those sums which the insured
becomes legally obligated to pay because of actions brought against that insured for “bodily injury” to a
“participant” while practicing for or participating in any contest or exhibition of an athletic or sports nature
sponsored by you. The term “Participant” shall include players/athletes, coaches, managers, staff members,
team workers, volunteers, game officials, and other personnel who have been granted proper authorization
to enter any restricted area. If the event promoter/organizer does not have a process in which to collect
liability waivers from event participants, coverage for participant liability will be invalidated.
Accident Medical Excess Expense and Accidental Death and Dismemberment:
Federal Insurance Company A ++ XV rating (Superior)
$25,000 Accident Medical Excess
$500 Deductible per claim
$10,000 Accidental Death & Dismemberment Principle Sum
Excess of any other insurance coverage available
Event Details Less than 300 participants
Single Day Event (24 hours or less) $455.00
Each additional day $125.00
Events with ropes $100.00 additional premium
(rappelling, tyrolean traverse, etc)
Contact USARA for:
Events with white water (class III and above)
Events with 301participants and above
Events which require additional limits
Camps & Clinics: All Camp or Clinic Sponsored training sessions and meetings. The Liability provides
Participant Legal Liability for camp or clinic functions and events that are not USARA sanctioned races.
Cost is $150.00 per camp or clinic for the first day and $100.00 per additional day.
Who Is Covered: All participants, coaches, managers, volunteer workers and staff members of the insured
camp or clinic are covered while participating in sponsored and supervised athletic activities. This policy
will not respond to claims arising out of travel to or from covered activities. This policy will not respond to
non practice adventure races (promoters cannot use this policy for events instead of USARA event
insurance).
USARA Membership: All camp or clinic participants must have either USARA single event membership
or USARA 1 year membership.
Coverage Includes Suits Arising Out Of:
• Injury or death of participants
• Injury or death of spectators
• Injury or death of volunteers
• Property damage liability
• Incidental medical malpractice
• All activities necessary to conduct events
• General negligence claims
• Cost of investigation and defense of claims, even if groundless
Coverage Excludes: Motorized apparatus, Equestrian events, Firearms
Contact for pricing if event includes: White water (Class III or above)
Commercial General Liability Insurance:
Philadelphia Indemnity Insurance Company A+ X rating (Superior)
Landowners, Sponsors & Other Entities approved by the carrier may be added as additional insured at no
additional charge.
Master Policy Limits
Master policy limits are aggregate limits shared among all participating events. Excess limits are available.
• $3,000,000.00 General Aggregate
• $1,000,000.00 Each Occurrence Limit
• $3,000,000.00 Products / Completed Operations Aggregate Limit
• $1,000,000.00 Personal & Advertising Injury Limit (Any one person or organization)
• $100,000.00 Damage To Premises Rented To You Limit (Any one premises)
Accident Medical Excess Expense and Accidental Death and Dismemberment:
Federal Insurance Company A ++ XV rating (Excellent)
$25,000 Accident Medical Excess
$500 Deductible per claim
$10,000 Accidental Death & Dismemberment Principle Sum
Excess of any other insurance coverage available
Event Details
Each camp or clinic $250.00 for 24 hours
Each additional day $125.00 per each additional day
Questions contact: ESIX Insurance – Jennifer Waller 770-512-5000 jwaller@bbatlanta.com
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