Canoe & Kayak, Rowing, SUP, Outrigger, Dragon Boat Event Insurance, Cruising, Clinics & Camps and Club Insurance
How This Program Works
Paddlesport Risk Management, LLC (PRM) uses the power of buying in quantity, via a Risk Purchasing Group, to enable you to secure affordable liability insurance for your paddle sport event or club. If you qualify, our coverage can be extended to you, your event or club, association or organization. Paddlesport Risk Management's coverage is very broad with high limits. This program is a Risk Purchasing Group.
What is a Risk Perchasing Group program?
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 and your club, association or organization, providing risk management solutions by assessing and addressing the perils that pose risks to your club, event or sport and to promote paddle sports in general.
Membership to Paddlesport Risk Management, LLC is $25 per year
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 aggregate limit is per member in the insurance program and is not per policy term or shared between events unless the event is hosted or organized by the same member.
Commercial General Liability per occurrence $2,000,000
General Aggregate $5,000,000 per location/event
Products Completed Operations Aggregate $2,000,000 per location/event
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
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.
Club Annual Liability Insurance
This will provide coverage for your club and its members including officers, directors, board members, coaches, steerers, guest coaches, and guest paddlers for activities throughout the year. The coverage applies to activities off and on water; including but not limited to training, practices, club fun days, club cruises, some fundraisers, meetings, banquets, recruiting, demonstrations, team building, club picnics and BBQs. The annual premium is based on either the number of members in your club.
Racing & Festivals
Our event/festival program covers the following types of events on class I-III with incidental course in IV
Marathon Canoe & Kayak Racing/Cruises
Dragon Boat Racing/Festivals
Sea Kayak Fishing Contests
Indoor Erg Events
Biathlons (must include either kayak or canoe as part of course)
Triathlons (must include kayak or canoe as part of course)
Quadrathlons (must include kayak or canoe as part of course)
The coverage includes athletic participants but excludes vendors, contractors and 1st and 2nd party liquor liability. The premium is based on either the number of teams or number of participants depending on the type of activity. You can use one application for all the above types of activities. If you do not see your event type listed please contact us as we have other program it may qualify for.
Other Types of Coverage Available
Hull/Physical Damage for your canoes & boats - Download the application below
Non-profit Sports Club Directors & Officers Liability
Applications & Payment
Please print the application you need as well as the paddle sport guidelines. Club liability applications may be faxed or emailed to our office (see contact info). Event applications must be mailed along with their respective premium as indicated on the application.
The waiver may be printed. You are not permitted to alter the wording except to add information where indicated. If you want to print the waiver with your club logo please contact our office for approval. Electronic waivers are permitted but a sample of the waiver must be submitted for approval prior to posting on your website.
We also urge you to download or print a copy of the Paddlesport Safety Guidelines and go over these with your members.
By Mail: Send a check to our office
Online: Click the link below, make your payment then email a copy of the receipt with your application.