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Sports Triathlon

Accident Medical and General Liability Insurance



Mandatory Accident Medical Plan

Pays the medical bills of an injured participant or staff member.

Who is covered?
All participants of the Policyholder specified in the application are covered while participating in sponsored and supervised activities. A member is also covered while traveling, directly and without interruption, to and from any Policyholder sponsored activity and his or her home or place of residence.

What are the Accident Medical Policy Limits?

$25,000 Participant Medical Expense Benefit
$10,000 Participant Accidental Death & Dismemberment Benefit

Accident Medical Expense Benefit
If the Insured 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 the accident. Payment will be made for eligible expenses not to exceed the Maximum Medical Expense Benefit, subject to the applicable deductible amount (if any). The first such expense must be incurred within 90 days after the date of the accident. “Eligible expense” means charges for medically necessary treatment and service, not to exceed the usual and customary charges in the area where provided.

  • Medical and surgical care by a physician.
  • Radiology (X-rays).
  • Prescription drugs and medicines.
  • Dental treatment of sound natural teeth.
  • Hospital care and service in semi-private accommodations, or as an outpatient.
  • Ambulance service from the scene of the accident to the nearest hospital.
  • Orthopedic appliances necessary to promote healing.

Excess Coverage
This Plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Insured Person.

Accidental Death and Dismemberment Benefit – $10,000
If a covered injury results in any of the losses specified below within 1 year (not applicable in Pennsylvania) after the date of the accident, the Company will pay the applicable amount:

  • Full Principal Sum for the loss of life.
  • Full Principal Sum for double dismemberment.
  • Full Principal Sum loss of sight or both eyes.
  • 50% of the Principal Sum for loss of one hand, one foot or sight of one eye.
  • 25% of the Principal Sum for loss of index finger and thumb of same hand.

“Member” means hand, foot, or eye. Loss of hand or foot means complete severance above the wrist or ankle joint. Loss of eye means the total, permanent loss of sight. If the Principle Sum is payable, no 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.

Policy 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 threat or any self-inflicted injury (in Missouri this applies only while sane).

Nor does the Plan cover: Service provided by any person or facility employed or retained by the Policyholder or member organization. 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. Exam for, prescription for, or the purchase of eyeglasses or contact lenses or hearing aids. 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.

What is the Premium?
All premium rates are based on the age of the participants. Coaches, managers, staff members, officers, directors, and volunteer workers are included in the coverage at no charge. Click here for an instant quote

General Liability Insurance Plan >
Protects you in the event of a lawsuit or property damage.

Have Questions Or Need Additional Assistance?

Contact us at 1-800-318-7709 for higher limits or a customized quote.

Note: All of the above exclusions and limitations are subject to the terms and conditions of the insurance policy. Certain of these exclusions or limitations may be modified to meet individual state requirements. Premium rates are subject to change. The rates in the quotation are based on information provided by the risk at the time of application and may be modified if the information changes from the initial submission by the risk.

This description highlights the benefits, exclusions & limitations of the program, but is not a contract. For specific contract details, please request and review the insurance policy.

Triathlon Insurance Single Event Policy Term

Premium Cost and Optional Coverages
$5.00 Per Athlete – General Liability

$2.00 Per Athlete – Mandatory Accident Medical

Minimum Premium is $500.00 Per Event

The policy will include coverage for Covered Expenses incurred by a Covered Person as a result of an Emergency Sickness while participating in a Policyholder&aposs short-term Covered Activity. “Emergency Sickness” means an illness or disease diagnosed by a Physician which causes a severe or acute symptom that, if not provided with immediate treatment, would reasonably be expected to result in deterioration of a Covered Person’s health or place his life in jeopardy; and which first manifests itself suddenly and unexpectedly while a Covered Person is participating in a Covered Activity.

“Covered Expenses” means charges incurred for treatment of an Emergency Sickness that would have met the definition of Covered Expenses applicable to treatment of injuries sustained in a Covered Accident, had they been incurred for a Covered Accident rather than an Emergency Sickness. Any expenses that are not Covered Expenses under the Accident Medical Benefits section of the policy will not be considered Covered Expenses under the Emergency Sickness Benefit. All related conditions and recurring symptoms of the Emergency Sickness will be considered one sickness.

The coverage is subject to the Deductible (if any) and subject to a $2,500 maximum benefit for each sickness.

Optional Liability Coverages Available as an Endorsement to the General Liability Policy

Hired & Non-Owned Auto – Policy Limit $1,000,000: Premium $1000.00
Bodily injury or property damage on vehicles leased, hired, rented, borrowed and other non-owned vehicles driven while on the business of the policyholder

Dishonesty Bond – Policy Limit $25,000: Premium $165.00
Losses suffered through theft by an organization’s President, Secretary, Treasurer, Concession Chairman or Fund Raising Chairman while engaging in activities of the policyholder

Inland Marine (Contents & Equipment Coverage)
Loss or damage of all sports equipment, concession stand equipment and miscellaneous property.

Available Limits Premium 
$ 5,000 $ 150.00 
$10,000 $ 250.00 
$15,000 $ 375.00 
$20,000 $ 500.00 
$25,000 $625.00 

General Liability Insurance Plan >
Protects you in the event of a lawsuit or property damage.