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Get the Lead Out Insurance through RRCA

The collective risk management efforts by our members ensures the RRCA's ability to obtain affordable insurance for our members. As noted in the General Liability Insurance section above, there are two types of events that are excluded from the RRCA's insurance coverage. While activities including animals, bicycles, skateboards, jogging strollers, and roller or in-line skates are not excluded from the insurance policy, These types of events are strongly discouraged. The high risk of potential injury involved in these activities could cause an increase in RRCA insurance premiums, or worse, a refusal by the insurance company to renew the RRCA's insurance policy.

Special note about the use of headphones

The RRCA has a written guideline against the use of personal music devices in running events and group training runs. We feel this is a safety precaution and a risk management responsibility for race directors and group run leaders. As such, race directors and group run leaders are encouraged to ban or strongly discourage the use of headphones in races and group runs.

The RRCA understands that enforcement of a headphone ban can be a challenge for race directors, especially for races that exceed several thousand runners. Because of this, the use of headphones in events and group runs is not excluded from the RRCA insurance policy. This means that if a race director bans the use of headphones during a race, and a participant uses headphones anyway, and is involved in an accident, the insurance policy will cover the cost of litigation and any potential payout.

While the insurance policy does not exclude headphones, and the RRCA does not have an outright ban on their use during races, RRCA members cannot actively encourage runners to run with their headphones. On January 17, 2009, the RRCA Board of Directors passed a policy stating that RRCA members taking advantage of the group general liability and Directors & Officers insurance benefit may not actively promote that headphones are welcome at RRCA insured events. RRCA club and event members, who engage in marketing campaigns that invite participants to participate in a race or group run while wearing will be removed from the RRCA group insurance coverage.

As part of the annual renewal process, RRCA members are asked to review RRCA's Guidelines for Safe Event Management and Guidelines for Leading a Group Run and attest that this information has been reviewed and will be followed to the best ability of their ability. As part of the insurance program, all RRCA member clubs are required to obtain waivers from their members and guests and all events insured by the RRCA are required to obtain waivers from participants and volunteers. Click here for sample waivers.

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