Have you considered triathlon insurance?

Have you considered insurance when competing, training or even organising an event?

At Beyond Going Long we work on both supplying services and support to events organisers, and delivering our own sporting events throughout the year. We caught up with Protectivity to find out what participants and organisers should consider when thinking about insurance.

We’ve put questions to Commercial Director of Protectivity, Andy Brownsell to share some helpful advice to ensure organisers don’t face unwanted obstacles and participants go problem-free!


  1. What are the main risks that event organisers should be aware of?
  • The primary concern is the safety and welfare of those competing, it’s important to have safe working practices and ensure they are shared with any other organisations coming together for the event.
  • Work with the local authorities to ensure roads are closed or rolling blocks are in place to ensure the safety of participants on the route is imperative.
  • When lots of people get together for a sporting event, risks increase. With more people in the water than swimming lakes are used to, it’s important to have the right staffing and controls in place to mitigate any potential accidents.
  1. What level of insurance should organisers be taking out ahead of these events?
  • With more local authorities insisting on a minimum of £5m public liability, this is a good starting point however some may insist on £10m. As an organiser, you should be considering the main risks you face and how much the most serious claim you might receive could cost. This coupled with any stipulations from the local authority or venue will be the two driving factors.
  1. What is the best cover to take out for organisers and what do these cover them for?
  • Public Liability: provides cover should a participant or spectator (member of the public) sustain bodily injury or damage to their property as a result of the organisers negligence.
  • Employers Liability: provides protection should an employee or volunteer sustain bodily injury as a result of their employers’ negligence.
  1. What are the main misconceptions about insurance for these events?
  • The biggest misconception by organisers is the belief that when they insure an event that everyone involved will be insured. This is not always the case. Often at larger events, subcontractors will provide services for things such as race timing, bike racks, food and even marshals. Third party operators are not usually covered under an event organisers policy as the organiser is not responsible for the third party’s business actions. If you, the event organiser, engages a third party it’s important to see proof of insurance.
  • The second biggest misconception is that volunteers are not employees and so the organiser does not need employers’ liability. Wrong. The organiser has a duty of care whether or not those helping are paid and for this reason they should hold employers’ liability.
  1. What important information do organisers need to look out for in the small print of their policies?
  • Make sure the policy you hold is offered on a claims occurring basis, this means that the policy will provide cover for claims that occur during the insured period, no matter when the claim is made. On occasion, policies are written on a claims made basis which means claims will only be covered if the claim is made during the insured period. For short period events this is almost useless as claims rarely present themselves on the day.
  1. What top tips can you provide to organisers in order to cut through the insurance jargon?
  • Ask questions! If you’re speaking with someone that understands insurance for sports events / business, then they’ll have the answers.
  • Use a specialist. The requirements for businesses operating within the sports and leisure industry can be quite different to others so it’s important to ask someone ‘in the know’.
  • Read the quote you are given, and the supporting documents and then ask more questions if you’re not sure! 


Firstly, have fun! Insurance is important, and you’ll have even more fun if you know you’ve got the cover you need.

What are the main risks that participants should be aware of ahead of an event?

  • The biggest risk is sustaining injury which results in death or disablement, although rest assured – these are the least likely. More likely, an accident could result in a short period of time off work or a few sessions of physiotherapy.

What level of insurance should participants be taking out ahead of these events?

  • This depends on individual circumstances; you may be a less experienced, beginner racer, you may have an occupation that relies on you conducting manual activity or you may be self-employed or have a job that doesn’t pay sick leave at a full rate. All of these may determine the level of protection you take.
  • Sports Personal Accident policy: lump sums for death and disablement
  • Liability: to protect you should you injure someone or damage their property
  • Income Protection: to help towards bills and other financial commitments should you be off work and not receiving your normal salary.
  • Travel Insurance: for travel overseas, which includes cover for competitive sport

What are the main misconceptions about insurance for these events?

  • Those travelling abroad to take part in events should make doubly sure they have the right insurance. Personal Accident will pick up the benefits mentioned above but is it not a substitute for travel insurance.
  • Secondly, you will need travel insurance that specifically covers your sports and does not exclude competition.
  • For competitive sports, check that the excess does not increase for claims from playing sport and that there are no restrictions on the benefits

If you’re an event organiser or a participant with a question, please visit: www.protectivity.com or call 01494 887909 to speak to a specialist.

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