Obtaining the appropriate liability policy for an event is fairly easy and relatively inexpensive. In the big picture of things, it is the cheapest expense you might have compared to what it can cost you if you do not have insurance. One of the simplest ways to obtain a policy is to become a member of the Road Running Club of America (RRCA). Membership gives you many benefits including access to low-cost insurance for your event. These are policies specifically tailored to running events and cover all the bases that most permitting authorities will require.
If you put on multiple events throughout the year it may be advantageous for create or utilize a local running club for your RRCA membership. Under this single club policy, all your events and activities can have the same protections year round. We highly recommend viewing the RRCA site and look at all the insurance options they provide, so you can choose the type of protection that fits your situation the best.
Having a proper waiver in place is another piece of the protection puzzle that is a non-negotiable. Here is an example of a sample race waiver form from RRCA. Did we mention that they are an excellent resource for this stuff? Some feel that waivers are not worth the paper that they are written on, but at RaceDirector we could not disagree more. Having participants sign a waiver gives you some protections and lets runners know they have some reasonable responsibility for their own actions and safety as well. On RaceDirector, you can add and modify your waiver, requiring your participants to agree to the terms of the waiver during registration.
At RaceDirector we know that it can be easy to stress out over the myriad of details you have to think about to pull off a great event. Our job is to help make your job easier. The good folks at RRCA have also provided some solid resources for insurance and waivers to help put your mind at ease. Putting these two pieces of the puzzle in place will help you sleep much easier along the way!