If you're hosting any kind of running event, you know there's a lot of planning involved.

While there are many things you need to make your race happen, one of the most important things you'll need is race insurance. Whether you're planning a 5K, 10K, charity run, or any other kind of race, insurance is a key part of making your event happen. At Philadelphia Insurance Companies (PHLY), we have decades of experience and can help you obtain the right policy for your event.

What Type of Insurance do I Need for a Race?

If you're hosting a race, you will need to have the proper insurance to protect your event. Specifically, you'll need special event insurance. This insurance product will cover claims stemming from bodily injury or property damage that occur during the event. Most locations will require proof of insurance before allowing you to host a race there.

Depending on the length of your running event, you may be able to obtain one-day special event coverage. This policy is a short-term policy that is easy and fast to obtain. The policy takes effect at 12:01 a.m. on the day of your event and ends at 12:01 a.m. the next day. Make sure you know when your event will end; if it continues past midnight for any reason, you'll need to have purchased coverage for the following day.

Benefits of Special Event Insurance for Running Events

Our special event insurance features several exciting benefits that you can take advantage of as a policyholder. Below are just a few of the advantages you can expect when you purchase a PHLY Special Events policy:

• Convenience
  We want to make the insurance process as easy as possible for you. We have an online and mobile-friendly application that can be completed in a few simple steps. We'll also email a copy of your policy instantly along with a Certificate of Insurance. You'll have everything you need for your running event in just minutes.
  
  
• Large Limits
  We always hope that nothing will go wrong, but if something does happen, it has the potential to be expensive. That's why we offer higher limits on our special event policies. We offer standard limits of $1M per occurrence and $3M aggregate for all claims.
  
  
• Zero Deductible
  We're committed to providing a superior product, and as part of that commitment, our Special Event policies have no deductible. You can rest easy knowing that you'll be covered if an incident occurs.
  
  
• Customer Service
  In addition to providing excellent insurance products, we are dedicated to exceeding customer expectations. Our unwavering commitment to customer service has earned us a 96% overall customer satisfaction rating. The customer service we offer is one of the main reasons our clients come back year after year to work with us.
  
  
• Strong Financial Backing
  When you choose companies to insure any event, you'll want to find ones with strong financial ratings so you know you can depend on them when you need them most. At PHLY, we've earned exceptional ratings that speak to our financial strength: PHLY has an A++ (Superior) rating from the AM Best Company and an A+ rating from Standard & Poor's.

How to Get a Policy for Your Running Event

To make it as easy and streamlined as possible, no login is required to get an online quote or policy from PHLY. To get your special event insurance policy, follow these steps:

1. Go to our Special Events page to start the application.
2. Complete a short questionnaire about yourself, your event, and the venue.
3. Proceed to the secure online payment.
4. Open your email to find your instant proof of coverage.

It's that easy. Once you've purchased your policy, we'll send the Certificate of Insurance to your email. If you need additional insureds, we can add them to your policy upon request for qualified applicants at no extra charge to you. Our representatives are here to help make your race a reality. Fill out an application or speak with a PHLY Representative today!