RUNNING INSURANCE BUILT BY RUNNERS, OWNED BY RUNNERS.
A community-owned protection pool for the stuff insurers won't touch — overuse injuries, race cancellations, tour medical, stolen gear. Every dollar and every claim is visible on-chain. No middleman taking margin.
Three steps, no insurer in the middle
Contributions sit in a member-owned smart contract. The community reviews claims. The pool pays out.
Contribute
Chip in a small monthly amount. Funds sit in a member-owned smart contract — not on GoForARun's balance sheet.
Run & get verified
Every group run and tour you join earns a Proof-of-Run attestation. Consistent runners unlock lower contributions.
Claim, member-voted
File a claim with evidence. A rotating panel of members reviews it. Payouts settle from the pool automatically.
What the pool protects
Coverage built around how runners actually get hurt, cancelled, and inconvenienced — not around what a traditional insurer wants to sell.
Injury recovery
Physio, imaging, and recovery support when a run puts you on the sidelines.
Race cancellation
Get your entry fees and non-refundable travel back when a race is called off.
Tour medical & evac
Medical care and emergency evacuation while on GoForARun tours abroad.
Gear on the road
Stolen or damaged shoes, watches, and kit while traveling for a run.
Included at launch
- Injury recovery
- Race cancellation
- Tour medical & evac
- Gear on the road
Not covered
- Non-running injuries or pre-existing conditions
- Elective medical procedures
- Losses covered by another insurer
- Anything the community votes outside pool scope
PROOF-OF-RUN
Every group run, tour, and event on GoForARun mints a signed attestation — verified by the host and co-signed by other runners' devices. Your Proof-of-Run history is portable, private by default, and lives on-chain under a key you control.
It's how the Mutual knows you're an active runner, how contribution rates flex to reward consistency, and how the community underwrites itself without asking anyone to trust GoForARun.
How the Mutual actually works
Is this insurance?+
It's a discretionary mutual — members pool contributions and vote on claims. It's not a regulated insurance product, and coverage is at the discretion of the community, within published pool rules.
Do I need a crypto wallet?+
No. GoForARun handles the wallet for you at signup so contributions and claims feel like any other app. Advanced members can bring their own wallet and hold their Proof-of-Run themselves.
Who decides on claims?+
A rotating panel of members reviews each claim against the pool's published scope. Contested cases go to a broader member vote. Every decision — and every payout — is visible on-chain.
What happens to unused contributions?+
Surplus stays in the pool to lower future contributions or fund community initiatives (charity runs, host grants). It never becomes GoForARun's revenue.
BE A FOUNDING MEMBER OF THE POOL
Founding members lock in the launch contribution rate, get a seat on the first claims panel, and help shape what the Mutual covers next.