Who do I contact with a question?

For Club and Event insurance, contact Katie Cosgrove at 703-451-0141 x23 or by email: insurance@americancanoe.org.
For PAC (Paddle America Club) insurance, contact Anne Vetterlein (Director of Membership) at (703) 451-0141 x15.
For Instructor insurance, contact Christopher Stec: SEI Assistant Director at (703) 451-0141 x16 or by email: insurance@americancanoe.org.
$5,000,000 of Coverage: $1,000,000 Each Occurrence General Liability Limit plus a $4,000,000 Excess Liability Limit
Coverage on all classes of water
Disclaimer Statement: THE INSURANCE PLAN DESCRIPTIONS PROVIDED IN THIS DOCUMENT ARE FOR ILLUSTRATIVE PURPOSES ONLY AND NOT A CONTRACT OF INSURANCE. YOU MUST REFER TO THE POLICIES FOR A COMPLETE DESCRIPTION OF COVERAGES, LIMITS, CONDITIONS, AND EXCLUSIONS. A COPY MAY BE OBTAINED BY CONTACTING THE ACA

Why should I use ACA coverage?

The insurance market for paddlesport activities is challenging. The ACA offers the opportunity to insure paddlesport activities at an affordable rate. The ACA insurance coverage allows participation on all classes of water. That means your club can continue paddling its favorite places knowing that the ACA will be providing insurance for its activities. The ACA's insurance prices are competitive with, if not better, than any other event sanctioning organization.

For those organizations that are eligible, by participating as a Paddle America Club (PAC), you receive year-round insurance coverage for sanctioned on-water activities and non-water activities such as fundraisers, banquets, and meetings. All the club has to do is submit a schedule of activities (which can be updated throughout the year) and the club is covered. The ACA insurance program is affordable, easy to use, and you can rely on a friendly and reliable staff that cares about your activities. Remember, you're not only participating in the ACA insurance program, you become a part of the association.

Insurance for PACs

Contact: Katie Cosgrove 703-451-0141 x23 or Anne Vetterlein x15 insurance@americancanoe.org
Insurance for Paddle America Clubs

Paddle America Clubs must be current (according to PAC Manual / Agreement)
To better serve the PACs a tiered membership program has been created to better reflect the actual size of the club.

Less than 50 members: $100
50-99 members: $150
100+ members: $225

The individual event member fee for non-ACA members has been reduced to $5 for each event.
Clubs may obtain bulk event memberships for $4 each with a minimum purchase of 25 - This must be completed prior to the activity.
Current ACA members are not required to pay the $5 event member fee. Club members may join the ACA at reduced dues of $30 for individuals ($10 discount off general membership dues) and $40 for families ($20 off general membership dues)
This program provides year-round insurance coverage for sanctioned on-water activities and certain off-water meetings and club events
Events are sanctioned at no additional cost
$20 fee for each additional insured (subject to approval)
Non-ACA members must purchase event membership for participation in insured club activity; $5 each
Hull insurance for Outrigger Canoe Clubs and Dragon Boat clubs is available for an additional fee

Application Procedure

Additional PAC Resources/Forms

Insurance for Affiliates (non-PACs)

Contact: Katie Cosgrove 703-451-0141 x23 insurance@americancanoe.org
Insurance for Affiliates

Affiliates must be current
To better serve the Affiliates a tiered membership program has been created to better reflect the actual size of the club.
Less than 50 members: $100
50-99 members: $150
100+ members: $225
The individual event member fee for non-ACA members has been reduced to $5 for each event.
Clubs may obtain bulk event memberships for $4 each with a minimum purchase of 25 - This must be completed prior to the activity.

Event Memberships: $5 each
Event Sanctioning Fees:

$25 application fee
$20 fee for each additional insured (subject to approval)
$25 rush processing fee (within 10 days of event)
$25 late reporting fee (after 30 days of event)
$75 late reporting fee (after 90 days of event)

Application Procedure

Additional Affiliate Resources/Forms

Insurance for Divisions

Contact: Katie Cosgrove 703-451-0141 x23 insurance@americancanoe.org
Insurance for Divisions

Non-ACA members must purchase event membership for participation in insured Division activity

Event Memberships: $5 each
Event Sanctioning Fees:

No application fee
$20 fee for each additional insured (subject to approval)
$25 rush processing fee (within 10 days of event)
$25 late reporting fee (after 30 days of event)
$75 late reporting fee (after 90 days of event)

Application Procedure

Insurance for ACA Instructors, Instructor Trainers and Instructor Trainer Educators

Contact Christopher Stec SEI Assistant Director x16 or by Email: insurance@americancanoe.org
Insurance Guidelines
For ACA Course/Sanctioned Workshops

Access to program is available to any current ACA instructor (to be current, an instructor must be an ACA member, must have paid SEIC dues, and must have an up-to-date instructor certification)

Event Membership: $5 each.
Instruction Insurance Application Fees:

$20 application fee ($5 off regular application fee)
$20 fee for each additional insured (subject to approval)
$25 rush processing fee (within 10 days of course)
$25 late reporting fee (after 30 days of course)
$75 late reporting fee (after 90 days of course)

Application Procedure and Checklist

Apply via Mail