Cover 35M+ annual race
participants with event-specific policies
The running and race event industry represents a massive, underserved market. Our race registration integrations enable per-participant, per-event coverage with complete visibility into course conditions, medical support, and participant fitness levels.
Why This Vertical Is Perfect for Carriers
Running & Race Events offers unique underwriting advantages with real-time activity data and verified participation.
Per-Participant Pricing
Individual coverage priced by race distance, terrain difficulty, and participant experience.
Event-Specific Underwriting
Policies tailored to marathon, 5K, trail run, or obstacle course risk profiles.
Weather-Adjusted Rates
Real-time weather monitoring enables dynamic pricing for heat, cold, or storm conditions.
Medical Support Verification
Coverage tied to verified on-course medical stations and emergency response plans.
Rich Data That Powers
Smarter Underwriting
Every races policy generates valuable data that improves your risk models and pricing accuracy.
Participant Profiles
Age, experience level, prior race history, training data from connected apps
Course Analytics
Terrain difficulty, elevation changes, hazard points, historical incident locations
Event Infrastructure
Medical stations, hydration points, communication systems, evacuation routes
Environmental Factors
Real-time weather, air quality, temperature, and humidity monitoring
Underwriting Benefits
What makes races coverage uniquely attractive for carriers.
Complete participant roster with emergency contacts pre-event
Course permit and safety inspection documentation
Medical staff credentials and emergency protocols
Historical incident data by course segment
Real-time GPS tracking of all participants
Risk Profile
MediumOutdoor events with variable conditions but structured safety protocols
Risk Mitigation Factors:
Platform Integrations
We're integrated with leading races platforms for seamless distribution.
Explore Other Verticals
Ready to Enter the Races Market?
Partner with HIQOR to access the $14.8B races market with embedded, event-triggered distribution.