Obstacle Course Runs Insurance Coverage

Events bound on a spectator-only basis provide coverage for claims and lawsuits alleging bodily injury of an event spectator or property damage to a facility or location rented or occupied by the event host. Claims from mud run participants are excluded from a spectator-only liability policy.

Policies bound on a participant liability basis provide coverage for claims of, and lawsuits alleging). This includes serious injury to a mud run participant, volunteer, or spectator or property damage to a facility or location rented or occupied by the organization. For participant liability to apply, the event must also have an accident/medical policy.

The Accident / Medical policy helps pay for out-of-pocket medical costs for an injured athletic participant, coach, volunteer, or manager. Injuries do happen when participating in mud runs, and the excess accident /medical policy can keep injured participants from facing a serious financial burden due to medical bills from an injury.

Learn more about Accident / Medical insurance coverage here.