Canoe & Kayak, Rowing, SUP, Outrigger, Dragon Boat Event Insurance, Cruising, Clinics & Camps and Club Insurance
How This Program Works
THE CLUB LIABILITY PROGRAM IS FOR CLUBS AND ORGANIZATIONS OR SMALL GROUPS. YOU ARE NOT REQUIRED TO HAVE NON PROFIT STATUS IN ORDER TO ACCESS THE PROGRAM. IT IS NOT FOR RENTALS OR PHYSICAL FITNESS PROGRAMS. FOR RENTALS PLEASE USE THE OUTFITTERS AND GUIDES TAB ABOVE.
Paddlesport Risk Management, LLC (PRM) uses the power of buying in quantity, via a Risk Purchasing Group, a Risk Purchasing Group is a legal entity that allows a group of unassociated businesses with similar risk profiles to join together to take advantage of a joint insurance purchase. The program was established under the Federal Liability Risk Retention Act of 1986.
PRM's goal is to help protect you; your club; association or organization by providing risk management solutions, assessing and addressing the perils that pose risks to your club, event or sport and to promote paddle sports in general.
There are 2 ways to apply. Click on the applicable button below for the coverage you need or download and print the PDF application for mailing.
To apply for coverage NOW. CLICK BELOW
What are the limits of liability?
The Commercial General Liability policy is underwritten with National Casualty Insurance Company A.M Best rated A+
The Accident/Medical policy is underwritten with Nationwide Life Insurance Company A.M Best rated A+
The limits are not shared between events or clubs but apply to each club/event separately.
Commercial General Liability per occurrence $2,000,000 per location/event
General Aggregate $5,000,000 per location/event
Products Completed Operations Aggregate $2,000,000
Personal & Advertising Injury $2,000,000
Damage to Premises Rented to you $300,000
Premises Medical Payments $5,000
Legal Liability to Participants $2,000,000
Crisis Response - each crisis event/agg $25,000
Non-Owned & Hired Auto Liability - (10) $1,000,000
Participant Accident/Medical (Excess) $5,000/$25,000 any one person/aggregate
At times a municipality, land owner or other entity you do business with will ask for higher limits. We can request higher limits for your event or club for additional premium or perhaps negotiate with the entity requiring higher limits on your behalf.