General Liability Coverage

USA Triathlon highly recommends all USA Triathlon clubs purchase the club insurance policies. The General Liability (GL) and Participant Accident policy covers your club members during club calendared activities. Whether you have a morning run, weekend bike ride or meeting, your members can be covered in the event of injury during these activities. The new policy period runs Jan. 1-Dec. 31, 2021.  

IOA is pleased to offer official USA Triathlon clubs the opportunity to purchase, request and retrieve certificates of insurance. In addition, we have included other useful tools relating to policy information, claims handling and risk management. 

Policy Summaries

General Liability Summary 
Participant Accident Summary

When you register for your insurance, please provide the number of club members you believe your total club membership will be during 2021. The number you provide for your club members are covered from day one with insurance. Once you have purchased the insurance, we ask that you provide us a roster via the roster upload tool. This will help us see how many of your club members are current USAT members as well as your current size of your club. Then we will ask you to update that roster and upload a new roster at the end of June that will help us see your growth and any new members you have brought to your club!

From there, we ask that you make best efforts to share the benefits of USA Triathlon annual membership with your club members who are not current USAT annual members. This includes informing those who have purchased 1-day memberships that they can apply that to an annual membership (or if they have 3, they can apply them all and get an annual for $5!).

If you are making best efforts to have them join USAT, then that is what we ask of you. We agree, it does not make sense for a new triathlete to purchase an annual membership before they have even started in the sport. They are still covered by your club policy when they start out as a club member with you. Our hope is that you, as the club leader, help to inform them of the benefits of an annual membership so when they do get to racing they choose an annual over a one-day license.

Directors and Officers Coverage

Important Message: USA Triathlon recommends that you explore securing Directors' & Officers' Liability for your individual Club. This coverage is often confused with General Liability or Business Liability Insurance, in spite of the coverage differences between the two policies.

This important coverage is not the same as General Liability as it does not include coverage for bodily injury claims. D&O insurance protects club directors & officers from personal liability associated with their wrongful acts, and omissions in the performance of duties for the Club. Typical D&O claims often allege mismanagement of funds and negligent decisions affecting club members, participants, coaches, officials and others. The policy also provides Employment Practices Liability (EPL) coverage for claims alleging harassment, discrimination or wrongful termination.

If interested in learning more about D&O options, please visit