United States Adventure Racing - Event Liability

What Is Covered
The Specific USARA Sanctioned Event(s) as indicated on your application. The sponsoring club must be structured within the framework of USARA. The liability provides Participant Legal Liability for event participants in the USARA sanctioned event.

This one master policy provides protection for all sanctioned USARA events against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000.00 per occurrence with a general aggregate amount of $3,000,000.00. There is no deductible amount. Higher occurrence and aggregate limits are available for individual events, refer to the company for rating.

Named Insured:        SANCTIONED EVENTS OF USARA
c/o United States Adventure Racing Association
12403 Bluestone Circle
Austin, Texas 78758
(512) 873-1205

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

Exclusions
Hired & non-owned Automobiles, fraudulent or dishonest acts, sexual abuse and molestation, asbestos liability, punitive or exemplary damages, employment related practices, pollution, fireworks, motorized apparatus, equestrian events, firearms, cheerleading pyramids, nuclear energy liability, year 2000 compliance liability and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.

Contact for pricing if event includes: White water (Class III or above)

Master Policy Limits (Expires 2-20-2006):
Master policy limits are aggregate limits shared among all participating events. Excess limits are available.

    • $2,000,000.00 General Aggregate
    • $1,000,000.00 Each Occurrence
    • $1,000,000.00 Products / Completed Operations
    • $1,000,000.00 Personal & Advertising Injury
    • $100,000.00 Fire Damage

Prohibited Activities
No coverage will be provided for events which include any competitions featuring or using firearms, motorized apparatus or live animals.

Excess General Liability Limits (Occurrence and Aggregate)

Refer to company for approval and rating.


Participant Accident Protection Program

Who Is Covered
All participants, coaches, managers, volunteer workers and staff members of the insured club 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.

Accidental Death & Dismemberment Benefit If a covered injury results in any of the losses specified below within one year after the date of the accident, the company will pay the applicable amount, up to the principal sum of $10,000.00.

  • Full Principal Sum for loss of life
  • Full Principal Sum for loss of both hands or both feet
  • Full Principal Sum for loss of entire sight of both eyes
  • Full Principal Sum for loss of one hand and one foot
  • Full Principal Sum for loss of one hand and entire sight of one eye
  • Full Principal Sum for loss of one foot and entire sight of one eye
  • Full Principal Sum for loss of speech and hearing in both ears
  • Full Principal Sum for total paralysis of both upper and lower limbs
  • 50% of the Principal Sum for total paralysis of both lower limbs
  • 50% of the Principal Sum for loss of one hand
  • 50% of the Principal Sum for loss of one foot
  • 50% of the Principal Sum for loss of sight of one eye
  • 50% of the Principal Sum for loss of speech
  • 50% of the Principal Sum for loss of hearing in both ears
  • 50% of the Principal Sum for paralysis of upper and lower limbs on one side
  • 25% of the Principal Sum for loss of index finger and thumb of same hand

If the Principal sum is payable, no medical indemnity will be paid for dismemberment. In any event, the double dismemberment indemnity is the maximum amount payable under this benefit for all losses resulting from one accident. Loss of a hand or foot means complete severance through or above the wrist or ankle joint. Loss of sight means the total, permanent loss of sight of the eye. The loss of sight must be irrecoverable by natural, surgical or artificial means. Loss of speech means total, permanent and irrecoverable loss of audible communication. Loss of hearing means total and permanent loss of hearing in both ears, which cannot be corrected, by any means. Loss of a thumb and index finger means complete severance through or above the metacarpophalangeal joints.

Maximum Medical Expense Benefit
If the Covered Person incurs eligible expenses as the result of a covered injury, the Company will pay the charges incurred for such expense within 52 weeks, beginning on the date of accident. Payment will be made for eligible expenses not to exceed the Maximum Medical Expense Benefit of $25,000.00. The first such expense must be incurred within 90 days after the date of the accident.

Excess Coverage: No benefits are payable for any Eligible Expense incurred for a covered Injury which has been paid or is payable by any other Health Care Plan, regardless of any Coordination of Benefits provision contained in such Health Care Plan.

Medical Expense Deductible
$500.00 Per Injury

Exclusions and Limitations

This Plan does not cover any loss to or resulting from:

  • Sickness or disease in any form, except pyogenic infections due to an accidental cut or wound.
  • The use of drugs or narcotics, unless administered under the advice of a physician.
  • War or any act of war, whether or not declared.
  • Participation in any riot or civil commotion.
  • Air travel or the use of any device or equipment for aerial navigation, except as a fare-paying passenger on a regularly scheduled commercial airline.
  • Suicide or any attempt thereat or any self-inflicted injury.
  • Any Preexisting Conditions
Nor does the Plan cover:
  • Medical service provided by any person or facility employed or retained by the Policyholder or member organization.
  • Medical service provided by any member of the Insured Person's family or household.
  • Dental treatment, except as the result of a covered injury.
  • The repair or replacement of any artificial dental restoration.
  • Expenses payable under any Workers Compensation Law or similar legislation.
  • Injury sustained while riding in or on any two or three wheeled engine driven vehicle.

Summary of Coverage

General Liability Protection Program
$2,000,000.00 General Aggregate
$1,000,000.00 Each Occurrence
$1,000,000.00 Products / Complete Operations
$1,000,000.00 Personal and Advertising Injury
$100,000.00 Fire Damage
$-0- Deductible Amount
Occurrence Form Policy

Coverage Afforded by Philadelphia Insurance Company, A+IX rated by A.M. Best.

Participant Accident Protection Program
$25,000.00 Maximum Medical Expense Benefit
$10,000.00 Accidental Death & Dismemberment Benefit
$500 Deductible Amount Per Injury
52-Week Benefit Period
Excess Coverage

Coverage Afforded by The Society of Underwriters at Lloyds, London, “A+” rated by A.M. Best.

Click here to apply for a policy now.




USARA
12403 Bluestone Circle
Austin, Texas 78758
(512) 873-1205		     
ESIX
1117 Perimeter Center West, Suite N-400
Atlanta, GA 30338
Phone 770-512-5000
Fax 770-512-5050