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Where Swimming for the Prize Pays

Race Insurance

Open water swimming insurance

HMBD offers its open water swimming insurance application and approval process entirely online.

Part 1: Participant Accident Protection Program

Participant Accident Liability Protection Program (general liability insurance). US$300 minimum premium.

All participants, race officials, volunteer workers and staff members of the Policyholder (event organizers, race directors, associations, organizations, teams or coaches) are covered while participating in sponsored and supervised Covered Activities and while traveling, directly and without interruption, to and from any Policyholder sponsored and supervised Covered Activity and their homes or places of residence.

Covered Activities include the warm-up and participation in an open water swimming race, event, training session, camp or clinic.

Covered Person includes all participants, race officials, volunteer works and staff members of the Policyholder that can be event organizers, race directors, associations, organizations, teams or coaches.

Accidental Death, Dismemberment, Paralysis and Brain Death Benefit

If a Covered Accident results in any of the Covered Losses specified below within one year of the date of the Covered Accident, Berkley Group will pay the applicable amount.

Part 2: Participant Accident Protection Program

Participant Accident Protection Program (medical insurance coverage). US$250 minimum premium.

Maximum Medical Expense Benefit

If a Covered Person incurs Covered Expenses for treatment of an injury that resulted from a Covered Accident, within 52 weeks of the Covered Accident, Berkley Group will pay the applicable amounts, not to exceed the Maximum Accident Medical Expense Benefit of $100,000. The first such Covered Expense must be incurred within 90 days after the date of the Covered Accident.

Excess Coverage

Berkley Group will pay Covered Expenses after the Covered Person has satisfied any applicable Deductible, and only when they are in excess of amounts payable by any Other Health Care Plan available to the Covered Person whether or not claim has been made for benefits it provides. Exclusions and Limitations

Who Is Covered

Any individual who enters the open water in an event, race, training session, camp or clinic. Participants can be of any age, ability and background. The open water venues can include oceans, lakes, rivers, bays, estuaries, channels, canals, reservoirs, dams or any outdoor open body of water.

The insurance provides protection for the Policyholder (event organizers, race directors, associations, organizations, teams or coaches) against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims. Coverage is provided up to US$1,000,000 per occurrence and US$2,000,000 general aggregate Coverage is offered through the Sports and Recreation Providers Risk Purchasing Group pursuant to the Federal Risk Retention Act of 1986.