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Participants in the Dirty Girl Mud Run in August 2015 went through the obstacle course, sliding into the mud pit, for fun and to raise money for charity. (Photo: S. Donlon)

This story is reprinted with permission from FC&&S Legal, the industry’s only comprehensive digital resource designed for insurance coverage law professionals. Visit the website to subscribe.

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?

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