To apply for coverage NOW.  CLICK BELOW

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, 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. 

​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.

Download and print an application below or click on a link to the left to apply online.

Other Coverage Available


  • Hull/Physical Damage for your canoes & boats 

  • Directors & Officers Liability

  • Wix Facebook page


(631) 269-9696 PH

(631) 2699656 FAX