Road Race Insurance

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Road races, are something ESP knows well. We handle the insurance for over one hundred racing or charity running events annually where we cover hundreds or even thousands of participants competing at once, leaving the chance of spectator liability or participant injury relatively high. Don't take any chances, let ESP protect you with General Liability, Participant and Spectator Medical, or Event or Participant Cancellations. Our main objective is to make our clients' lives easier while providing the most thorough protection - all for the lowest price and maximum policy terms.

ESP can deliver standalone spectator general liability policies naming towns, schools, your locations as an additional insured or we can customize our solutions to your budgetary needs. 

ESP works with the some of the most renowned insurance companies across the country or we can use our own member only SHEL Risk Purchasing Association where our prices and coverage terms are infrequently matched. Our goal is to exceed your expectations by delivering the best in class customer service and being there for you every step of the way.


Required Coverages

General Liability

Provides protection for your league’s participants (players, coaches and volunteers) from many types of third-party claims through comprehensive coverage:

  • Bodily injury
  • Property damage
  • Personal injury
  • Sexual abuse/ Molestation (applicant needs to request)
  • Legal defense

Secondary Accident Medical

Provides coverage for your league’s Youth Participants during your sanctioned activities:

  • Secondary medical insurance for injuries and accidents
  • Accidental death and dismemberment insurance
  • Coverage extends to group travel to and from games and practices (youth participants only)

Recommended Coverage

Catastrophic Secondary Accident Medical Excess Coverage 

Provides coverage for your league's Youth Participants during your sanctioned activities:

  • Up to $1,000,000 of coverage offered
  • Secondary medical insurance for injuries and accidents 
  • Accidental death and dismemberment insurance
  • Coverage extends to group travel to and from games and practices (players and cheerleaders only)


Directors & Officers

Offers protection against a breach of duty or negligence by directors and officers of your league and/or team:

  • Alleged wrongful acts or omissions 
  • Misleading statements 
  • Failure to provide services
  • Mismanagement of assets
  • Optional Cyber Liability & Employment Practices Liability Insurance

Inland Marine 

Protects all league and team related equipment during course of play, during transport or off-season storage.

Crime Protection

Protects the organization from internal theft of league funds. We offer $10,000 and $25,000 limit structures. 


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About ESP Specialty

ESP Specialty Insurance Brokerage operates nationwide as an insurance broker and program administrator, exclusively developing and managing insurance product lines for A+ rated carriers for over 10 years.