Rain Insurance


We ride rain or shine.  So usually we hesitate to even mention the word “rain”.  But we just did, so we offer optional rain insurance.


Here’s how it works:


IF YOU WISH you pay an additional $15.  On ride day if it rains 3/4” or more any time between 7 a.m. - 7 p.m. the insurance company pays you $100. (Want a "bigger umbrella"? Pay $30 for rain insurance and get $200 if it rains. Your choice.) Trivia note: it doesn't matter what you actually paid for your registration -- that's how much money you would get from the insurance company.


You do NOT need to show up on ride day to collect. So if you wake up and it’s pouring, you can stay home and go back to sleep. We’ll mail your check to you.  (Of course if you are a volunteer you have to show up no matter what the weather, even if there's a satanic fire shower...)


If you bought souvenir clothing such as a racing jersey you still get that stuff AND the insurance money. HOWEVER... if your racing jersey is being held at the finish line for you you’ll either have to pick it up there, have a friend grab it for you, or pay a modest fee to have it shipped to you after the ride.


The Fine Print

This is real insurance, which we buy from a real insurance company. If the insurance kicks in they will send one check directly to us. That means that we’ll send out YOUR check as soon as we get OUR check and give it a couple days to clear the bank. (We trust them; we just can’t afford to lay out all that dough!)


Please remember that we are NOT guaranteeing that it won’t drizzle; we’re protecting you against a downpour.


The rain is measured in Manhattan at a professional weather stations not affiliated with the insurance company or with us.