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Athletes and fitness enthusiasts often enjoy participating in obstacle courses or fitness “challenges” organized by companies that specialize in similar events, for example, the Tough Mudder competitions. But what happens when someone is injured participating in such an event? What insurance coverage is available — if any?
In one recent case, a federal district court in Florida has ruled that exclusions in an insurance policy issued to a company that operated an obstacle course precluded coverage for claims by a participant in a race that he had been injured on the course.
The case
Adam Durden sued Dirty Foot Mud Ranch, LLC, d/b/a Dirty Foot Adventure Run for injuries he allegedly sustained while competing in an obstacle course race at Dirty Foot. Durden alleged that:
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