Paddle
The ACA's Paddle America Club Program provides year-round liability insurance coverage for properly-registered on-water activities, and also provides coverage for off-water activities such as fundraisers, banquets, and meetings. Participating in the program is like having your own General Liability Insurance Policy at a fraction of the cost.
The PAC program also provides an additional benefit. Individual members of an ACA Paddle America Club may join the ACA at a discounted rate. Individual memberships are available to PAC members for $30 per year ($10 discount), and family memberships are available for $40 per year ($20 discount).
Getting started
Before participating in the program, review the ACA's Paddle America Club Agreement and Insurance Procedures. This document lists the requirements and procedures for participating in the PAC program. It also includes the forms you will need to obtain insurance for your activities in 2010.
To get started, join the ACA by submitting your signed PAC agreement along with the club's membership dues, which are determined by the size of the club. The 2010 PAC dues are:
- Less than 50 members - $100 per year
- 50 - 99 members - $150 per year
- 100+ members - $225 per year
When submitting your signed agreement, be sure to include a completed Certificate of Insurance Request Form and a Contact Information Form. We will use this information to obtain an Insurance Certificate for the club, and to keep the club up-to-date on what's happening with the insurance program.
If your club needs to name a third party such as a landowner or government agency as an "additional insured" under the policy, include the Request for Additional Insureds with your agreement and we will request an insurance certificate for the third party. The fee for an Additional Insured is $20.
Scheduling your Activities
Next (or simultaneously), submit a schedule of your club's activities for the year to the ACA's Insurance Coordinator. You may submit your schedule by email, fax or US Mail. Once you submit your schedule, those activities will be covered. You may update your club's schedule any time during the year, so long as the ACA receives notification of 4pm eastern time on the business day prior to the start of the activity.
If, during the year, your club needs a Certificate of Insurance for a specific activity, or needs to name an additional insured for a specific activity, you should submit requests at least 10 days prior to the start of the activity. Requests submitted less than 10 days prior to the event will incur a $25 rush fee. Payments must be made when you submit the club's request. Payment may be made by check or credit card.
Running your Activity
- The Club must conduct its activity in accordance with the ACA's Risk Management Requirements.
- Every participant must sign the ACA Waiver and Release of Liability form prior to participation in your program, or must have a current Waiver on file with the ACA.
- ACA Adult Waiver & Release of Liability (Spanish) (with membership form)
- ACA Minor Waiver & Release of Liability (with membership form) (Under Age 18 At The Time of Registration
- Every participant must be an ACA member in one of the following categories:
- A current, valid ACA annual membership, whether through the PAC, through another club, or independently;
- An ACA introductory membership, either pre-existing or purchased at the time of the activity. The Club can sell these memberships to participants on the day of the activity for $15; or
- An Event Membership purchased at the time of the activity, and lasting for the duration of that activity. Individual Event Memberships are only $5 per person. Clubs may advance purchase event memberships in bulk for $4 each (minimum order 25).
- A current, valid ACA annual membership, whether through the PAC, through another club, or independently;
Upon completion of the event / activity (within 60 days of the last day of the event), be sure to submit:
- All fees collected at the event
- Original copies of the signed ACA approved waivers for non ACA members who participated.
- ACA report form (submitted via email, fax or US Mail)
PAC Resources & Forms
For questions and additional information, contact the ACA Insurance Coordinator.
Hull Insurance for all PACs, including Outrigger Canoe Clubs and Dragon Boat clubs, is available for an additional fee.
