Club Liability Insurance & Other Coverage

Club Insurance

Whether you're out for a casual Sunday coffee ride or the fast paced Wednesday night drop ride, protect your club with our competitively priced Club Liability Insurance, exclusive to USA Cycling clubs.

Why do clubs need General Liability Insurance?

General Liability coverage is issued to protect the club against liability claims for hurting someone physically or causing property damage to others outside of the club for which the club could legally be responsible for causing the accident. This includes all cycling related club activities such as:

  • award banquets
  • meetings
  • approved fundraisers
  • club rides (club rides must not have any fees associated with them)

The current policy runs from December 31, 2023 through December 30, 2024. There is no limit to the number of rides or activities throughout the policy term. 

Checkout some of the FAQs around club insurance here.


For the club to be eligible, the USA Cycling Club Insurance Application must accurately reflect the number of all club members (not just members with a USA Cycling race license). Every club member must sign a waiver before participating in a club activity.

Waivers only need to be signed once by every member in each policy term. A new waiver is required every year, or for each policy term. Digital waivers are acceptable. We offer a sample waiver to get you started. We provide the sample for guidance and informational purposes only.  We highly suggest final wording should be reviewed by your club’s legal representatives.

Exclusions include trail construction and maintenance as well as any ride or race that charges a fee. USA Cycling sanctioned events - such as clinics, fun rides and races are inherently insured under the event itself and not included in this policy. Other notable exclusion include:  Abuse and Molestation and Participant vs. Participant claims. See more details of the policy in the Club Insurance Application.

Directors and Officers Liability Insurance

Directors and Officers Liability protects club directors & officers from personal liability associated with their wrongful acts, and omissions in the performance of duties for the Club. Directors’ and Officers’ services to the club are generally considered to be rendered in a fiduciary capacity. This is a separate policy. Find more information here: D&O Insurance.

Excess Participant Accident Coverage

Another optional coverage for USA Cycling Clubs is Excess Participant Accident Coverage for your club activities. This policy provides excess medical expense coverage once a member’s personal health insurance has been used or exhausted.  This policy can also provide Accidental Death and Dismemberment coverage if desired.  If you would like a quote for this separate policy please contract Kim Horn at or 1-800-530-4809 ext. 3650.