Eligibility Requirements
The endorsed insurance program is exclusively available to organizations that are current affiliate members of California Triathlon and have agreed to comply with the required Waiver / release and risk management policies and procedures as outlined in the affiliate agreement.
Covered Activities
The General Liability, Non-Owned/Hired Auto Liability, and Excess Accident Coverage apply to California Triathlon sanctioned races that have been reported to California Triathlon and for which a premium will be paid. Coverage is extended only for the race dates that are reported to California Triathlon.
General Liability
Carrier
HDI Global Specialty SE (Surplus Lines) (A.M. Best Group Rated A, XV)
Brief Description
Covers certain lawsuits alleging bodily injury and property damage caused by an occurrence; personal injury; and advertising injury.
Named Insured
The race director entity and respective participant, staff, and volunteers while operating within their official duties at a California Triathlon sanctioned race that has been reported to California Triathlon and for which a premium will be paid. Independent contractors are not automatically extended coverage unless separate arrangements have been made.
Limits
$3,000,000 General Aggregate
$1,000,000 Each Occurrence
$2,000,000 Products/Completed Operations Aggregate
$1,000,000 Personal/Advertising Injury
$ 300,000 Fire Damage (any one fire)
$ 25,000 Abuse/Molestation Per Claim
$ 50,000 Abuse/Molestation Aggregate
$ included Athletic Participants Coverage
$ 0 Deductible per claim
Notable Exclusions
Assault & Battery, Expected or Intended Injury, Pollution; Fungi or Bacteria, Unmanned Aircraft, Fireworks, Employment Related Practices, Communicable Disease Including COVID-19, Collapse of Temporary Structure, Professional Liability, Fire Arms, Motor Racing Vehicles, All Animals, Watercraft 51 ft. and over, Law Enforcement Activities, Cross Suits, Field of Entertainment for Personal/Advertising Injury. Please refer to the master policy for a complete list of exclusions.
Non-Owned / Hired Auto Liability
Carrier
HDI Global Specialty SE (Surplus Lines) (A.M. Best Group Rated A, XV)
Brief Description:
Non-Owned Auto Liability is provided only for autos not owned, leased, hired, or borrowed by the named insured. Coverage includes autos owned by the insured’s employees, but only while used in the named insured’s business.
Hired Auto Liability is provided only for autos leased, hired, rented, or borrowed for the use in the named insured’s business.
Limits
$1,000,000 Each claim
Excess Accident
Carrier
AXIS Insurance Company (Admitted) (A.M. Best Rated A)
Brief Description
Pays covered medical bills on behalf of injured participants. Coverage is excess to any other collectible insurance such as family health insurance.
Covered Persons
All participants, staff, and volunteers of the policyholder are covered while participating in sponsored and supervised activities.
Limits
$25,000 Maximum Medical Expense Benefit
$10,000 Accidental Death & Dismemberment Benefit
$ 1,000 Deductible Per Claim
$500,000 Accidental Death & Dismemberment Aggregate
52 Week Benefit Period
Dental Benefit – Included in Maximum Medical Benefit
Service For Current Clients
How To Request A Certificate Of Insurance
Race directors may request certificates via email to Trisha Burns, trisha@sadlersports.com or complete the certificate request form.
Please be advised, Additional Insured, Primary Non-Contributory, and Cancellation endorsements can all be requested at no additional cost. There is a $150.00 charge for Waiver of Subrogation endorsements.
How To Report A Claim
Race directors must contact California Triathlon headquarters to request a claim form.
THE LIMITS, COVERAGES, EXCLUSIONS, AND LIMITATIONS DESCRIBED ON THIS PAGE ARE SUMMARIES FOR ILLUSTRATIVE PURPOSES ONLY. THE ACTUAL TERMS OF COVERAGE ARE CONTAINED IN THE MASTER POLICIES WHICH ARE AVAILABLE UPON REQUEST.