Insurance

Liability Insurance

Insurance coverage for our membership is the major benefit that the RRCA offers its members. For a one-time annual fee, a club or event member can obtain both general liability, and Directors and Officers (D&O) Insurance. This allows members to host a variety of events, runs and/or races under the RRCA insurance umbrella.

Our comprehensive general liability policy offers insurance for an .occurrence. which is general defined as an act or omission, which gives rise to liability in the area of .torts.. A classic illustration of this type of occurrence is a negligence action resulting in personal injury.

All RRCA clubs MUST have RRCA or equivalent liability insurance. Clubs not participating in the RRCA insurance program must furnish the name of the insurance company through which they receive their coverage; an insurance company contact person and phone number; and a copy of the insurance certificate. RRCA dues must be paid to purchase RRCA insurance. Clubs must provide the RRCA with a list of all races/road relay events that the club is managing during the current calendar year. Any events added or deleted from the list during the course of the year must be submitted in writing to the RRCA. Please contact the RRCA office or the website for an additional event form.

*Only events that are .club managed. by a club in good standing, and that are reported to the RRCA will be covered by RRCA liability insurance.

To obtain a copy of the liability policy, send an email request to: .

• Insurance FAQ

Directors and Officers Insurance (D&O)

D&O insurance extends a safety net beyond the classic tort, or negligence situation, which might generate a claim against a member organization. D&O coverage will protect officers and directors of member clubs and events from certain situations where the club might find itself subjected to a claim as a result of an error in judgment or challenged matter of policy.

D& O insurance provides volunteer board members a safeguard against a variety of claims. Even if the claim is questionable, to defend a tenuous claim in court can generate extraordinary legal expense for a club or event. Of course, not only does our insurance indemnify the club from loss.it also pays the cost of litigation.

RRCA clubs and events, with nonprofit status, are required to have Directors and Officers Insurance, ensuring the affordability of the policy. As with the liability insurance, clubs must pay the required fees or show proof of comparable coverage by providing the name of the insurance company through which they receive their coverage, an insurance company contact person and phone number, and a copy of the insurance certificate.

To obtain a copy of the D&O policy, send an email request to: .

Adding an Additional Insured to your Certificate

The RRCA does not require any additional fees to process requests for an Additional Insured Certificate for your race or club activity. Please fill out the following form and return to the contact information at the bottom.

• Additional Insured Form

Equipment Insurance

The Road Runners Club of America offers an affordable equipment insurance policy to all of our member clubs and events. The policy is the Inland Marine Equipment Floater Policy and is available from the RRCA through Diller-Smith & Associates. To obtain a piece of mind and coverage for your equipment all you will need to do complete a simple application, include a narrative describing the facility where your equipment is housed when not in use, and provide a list of the equipment you wish to insure. The policy period is from March 1st to March 31st of the next year. The premium is $2.30 per $100.00 of equipment replacement cost. The insurance is not prorated.

Premium checks should be made payable STAR Insurance along with the required application and narrative. Mail to: STAR Insurance, C/O Janice Routt, Fort Wayne Office at 2130 East Dupont Road, Fort Wayne, IN 46825.

Coverage is effective upon acceptance by underwriting. For questions contact Janice Routt at 260-467-5693.

• Equipment Insurance Application

MetLife Auto & Home Insurance

MetLife Auto & Home.s group insurance program comes with special savings and benefits for RRCA Members. MetLife Auto & Home has worked with the RRCA to bring you a program with superior insurance discounts and benefits that beats the competition hands down.

• First -rate coverage for your auto and/or home
• Claim professionals available 24 hours a day, 365 days a year
• Convenient payment options, including credit card and direct billing
• Convenient payment options, including credit card and direct billing

For free, no obligation quotes click or call today: