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Why does a walk-run event need insurance?

Walkers, joggers, and sprinters alike are all subject to trips, slips, falls, and other injuries during an event. Don’t let unexpected accidents ruin what is meant to be a fun and exciting experience for everyone! Walk/Run event coverage transfers the stress of intimidating insurance claims to a set of trusted industry experts. American Specialty Express makes buying insurance quick, painless, and simple, providing coverage for every step of the race.


The following information is offered as a snapshot of the coverages provided through the American Specialty Express walk/run event insurance program. For a complete description of coverages and exclusions, the policies should be read and reviewed in detail. The precise coverage afforded is subject to the terms and conditions of the policies as issued.

What are some parameters for this type of coverage?

The Walk & Run Events insurance program provides general liability and accident medical coverage for short-term walks and/or runs, including 5K, 10K and Charity events. If purchased far enough in advance, coverage is also available for 5 additional setup days and 5 additional teardown days. Events involving overnight stays or obstacle course elements are not eligible for coverage.

What are general examples of when this coverage would be used?

1. The community walk/run 5K takes place on a hot day…like a really, really hot day. Complimentary bottled water is handed out to contestants at check-in, but halfway through the race an elderly man collapses from the heat. He is assessed by medical personnel on-site and is then quickly transported to the nearby heart center. A couple of weeks pass before the organizers of the 5K receive a claim demanding reimbursement for $25,000 worth of medical bills. The claim states the event hosts failed to provide adequate access to cold water and shade on the excessively hot day. The hosts are unsettled by the claim, but thankful for the insurance coverage they purchased through American Specialty Express. They quickly forward the claim to a team of expert adjusters.


2. Everyone is excited for the charity run to support the local children’s hospital. During the race, however, a participant steps in a small hole and severely twists her ankle. She attempts to continue the race, but eventually falls to the ground in pain. The event’s athletic trainer assesses the injury and offers an ice pack, which the participant gladly accepts and states she is okay. One month later, however, the charity run organizers receive a claim from the participant demanding reimbursement for medical bills totaling $15,000. Much to their relief, the charity run was covered through American Specialty Express and the organizers can forward the claim for expert handling.

How can I obtain more information?

Have some questions that need additional clarification? Please do not hesitate to contact us! Call us, chat with us online, or send us an email. Technology is great, but our walk & run event insurance program is provided by real people with real advice and a real desire to help. Contact us today!

What makes Express stand out?

American Specialty Express delivers the ability to instantly quote and buy affordable insurance coverage from a team of industry experts. Additionally, Express offers the luxury of returning to your account anytime you want. Coverage can be purchased the day before the event and provides all the needed documents online. Once coverage is bound, eligible additional insureds can be added for no additional cost! The necessary steps to add an additional insured, review coverage parameters, or report a claim can be completed in just minutes. Need a copy of the policy? Get online anytime to print a copy of the insurance policy or access a certificate of insurance. No one plans for tragedy to strike during a walk/run event, but if it does we provide an easy, hassle-free process to report and manage the claim.

    So what's next? Time to purchase your Walk-Run Insurance!

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