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Consider taking a course from a certified ACA InstructorOne of the many benefits of being affiliated with the ACA is our ability to provide liability insurance for on-water events.

Obtaining insurance for on-water activities can be difficult and expensive. That's why the ACA provides this valuable service to the paddling community. The ACA's program provides excellent coverage from highly-rated insurance companies. It can be used for paddling in most classes of water, and is available at affordable rates that are competitive with, if not better, than any other event sanctioning organization.  Submitting an application is easy, and the ACA staff is ready to assist you in filling your insurance needs.

The ACA offers several types of insurance to the paddling community:



Liability Insurance

The ACA's Liability Insurance Program protects paddling clubs, affiliate organizations, ACA members, and ACA certified instructors against liability claims brought forth by paddlers (or their family members) who have been injured and are seeking compensation for their injuries. This insurance will pay the costs of defending against an allegation of liability, including lawyer fees, and will also pay damages up to the policy limit.  Your event/course must be properly pre-registered in order to qualify for the ACA's Liability Insurance Program.

  • ACA Liability Insurance Coverage Summary (PDF)

This insurance program is designed for:

Outfitter, Livery, & Guide Insurance

By meeting certain criteria, small or large outfitter, livery or guide businesses will be eligible for discounted pricing on various insurance policies such as general liability and commercial auto. In addition, utilizing this endorsed insurance program will benefit paddlers as a portion of the premium is used to support the ACA's mission of improving education, stewardship, recreation, and competition for all.


Hull / Personal Property Insurance

If your paddling club or organization owns valuable equipment, consider the ACA's Hull Insurance Program. This program provides property insurance that will help to replace your boats or equipment if they are damaged, misplaced, or stolen (subject to a deductible). The program is very affordable, with premiums set at 3% of the value of the property insured.


Kayak Fishing Tournaments

Clubs, tournaments, or organizations that focus on fishing from kayaks are eligible to participate in the ACA Insurance program either as a Paddle America Club or as an Affiliate Organization. 


Online Waivers


For additional information, please contact the ACA's Insurance Coordinator.



more Event Calendar

The 40th Great Rappahannock Whitewater Canoe Race

ACA Mission

Founded in 1880, The American Canoe Association (ACA) is a national nonprofit organization serving the broader paddling public by providing education related to all aspects of paddling, stewardship support to help protect paddling environments, and sanctioning of programs and events to promote paddlesport competition, exploration, and recreation.

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ACA | Canoe-Kayak-SUP-Raft-Rescue
503 Sophia St. Suite 100
Fredericksburg, VA 22401
Phone: 540-907-4460
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