As a cycling event organizer, you need liability protection, so you go out and buy it. No problem. What you may not have noticed, however, is that your liability policy may have automatically obligated you to purchase an additional coverage - something called participant accident medical insurance. If the fine print says that the participant accident coverage is “excess”, it is almost completely useless. Because the premiums are small and generally lumped in with cost of the liability insurance, many event organizers do not even notice that they are paying for this extra coverage.