Scenario 1: The community walk/run 5K takes place on an extremely 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 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 specialized claims adjusters.
Scenario 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 with a policy purchased through American Specialty Express and the organizers can forward the claim for the appropriate claims handling.
Don’t leave the success of your event to chance. With our low-cost insurance solutions, you’ll be prepared for whatever comes at you.
