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Insurance for Certified Instructors

IMPORTANT INFORMATION: Coronavirus (COVID-19) Risk Management Considerations for educational events/classes.


The insurance market for on-water paddlesport activities is challenging. The ACA offers the opportunity for currently certified Instructors and Instructor Trainers to insure paddlesport activities at an affordable rate. The ACA insurance coverage allows courses to be conducted on a variety of waterways.


ACA Instructors and Instructor Trainers can request insurance to cover courses they teach that contain all of, or parts of, the information and skills upon which they have been evaluated, in accordance with the requirements listed in the ACA Instructor Criteria Documents and Course Outlines published on this website. Instructors and Trainers can only request insurance to teach courses at or below their current certification level.



To request insurance through the ACA General Liability Insurance Policy, an ACA Instructor or Instructor Trainer must be in good standing, which includes:

  • Current ACA Membership & SEIC dues
  • Appropriate level and discipline of ACA certification for the course
  • Appropriate First Aid & CPR certification
    • Proof is required and must be submitted via the Course Management System (CMS)


Scheduling your Course

Submit the appropriate ACA Course Registration Form to the Safety Education & Instruction Department via the Course Management System (CMS).







Sanctioning Fees 

Under the Instructor Insurance Program, each individual course requires sanctioning fees, and they must be paid online or accompany the appropriate course registration form in order for the insurance request to be processed. 

  • Insurance Sanctioning Fees: $20 per course
    • must be logged in to your online ACA account to receive this rate
  • Additional Rush Fee: $25
    • if Insurance Request Form is received less than 10 days prior to the start of the course
  • Additional Insureds Fee: $20
    • for each additional insured

All insurance requests must be received by the National Office no less than 1 business day prior to the start of the course.  If your course needs to name a third party such as a landowner or government agency as an "additional insured" under the policy, fill out the Additional Insureds portion of the appropriate course registration form and we will provide an insurance certificate for the third party.  All fees are non-refundable, but courses may be rescheduled if need be.



Conducting your Course

The ACA's insurance program requires Instructors and Instructor Trainers to satisfy three requirements:

  • Only content contained within the official ACA Instructor Criteria Documents and Course Outlines, found on this website, may be taught, in whole or in part, in the appropriate venue by an appropriately certified ACA Instructor or Instructor Trainer 
  • Every participant, including lead and assisting instructors and trainers must sign the ACA Waiver and Release of Liability form prior to participation in the course (links below)
  •  Every participant must be an ACA member in one of the following categories:

    • A current, valid ACA annual membership
    • An Event Membership which costs $5 per person (not accepted for certification or assessment candidates)


Post-Course Reporting

Upon completion of the course (within 30 days of the last day of the course), be sure to submit:

  • All ACA fees collected at the event
  • Copies of the signed ACA approved waivers (Adult & Minor) for all participants (scanned copies are accepted)
  • Appropriate Final Course Report Form (submitted through the Course Management System (CMS) Only)
  • Note: Final Course Reports received 30 days after the last day of an insured course are subject to a $25 late reporting fee. Reports received after 90 days are subject to a $75 late reporting fee.


Additional Resources

  • ACA Incident / Accident Report Form (Word)
  • ACA Waiver & Release of Liability:
    • Print: Adult
    • Print: Minor (Under age 18 at the time of registration)


For questions and additional information, contact the ACA Insurance Coordinator  or the Safety Education & Instruction Department.




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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Phone: 540-907-4460
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