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Paddle America Club (PAC) Insurance Program


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


The ACA's Paddle America Club (PAC) Insurance Program provides year-round liability insurance coverage for properly-registered on-water activities and off-water activities such as fundraisers, banquets, and meetings. Participating in this program allows your club to obtain general liability coverage at a fraction of the cost associated with independent plans. Please note, only non-profit organizations are eligible to apply for the ACA's PAC Insurance Program. 

PAC Renewals

All current PAC memberships expire on November 30, 2020.


The ACA will send out auto generated renewal notices starting 90 days before the renewal deadline.


Please click here for renewal instructions. 




New PAC Enrollment - Join Today!

Before participating in the program, review the ACA's Paddle America Club Agreement & Insurance Procedures below. This document lists the requirements and procedures for participating in the PAC program. In addition, review the ACA's Risk Management Requirements document. 

To get started, have your paddling club join the ACA by submitting a signed PAC agreement along with the club's membership dues, which are $125.


When submitting your signed agreement, be sure to include the Contact Information Form, found in the 2020 PAC agreement packet.This information is required in order to obtain a certificate of insurance.


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 Form with your agreement and we will provide an insurance certificate for the third party.Each additional insured request will incur a fee of $20.


Scheduling your Activities

Submit a schedule of your club's activities to the ACA's Insurance Coordinator. Please submit your schedule by email or the online form, below. You may update your club's schedule any time during the year, as long as the ACA's Insurance Department receives notification by 4pm eastern time on the business day prior to the start of the activity.


If your club requires a Certificate of Insurance for a specific activity or needs to name an additional insured, you must 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.


Conducting your Activity

The ACA's insurance program requires Paddle America Clubs to satisfy three requirements on the day of the 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:
  • Every participant must be an ACA member in one of the following categories:


  Post-Event Reporting

Within 30 days of the completion of the event, the PAC must submit:

  • All fees collected at the event (Ex: Event Memberships)
  • Copies of the signed ACA approved waivers (Adult & Minor) for non-ACA members who participated
  • Final Event Report Form (submitted online or via email)
  • Note: Final Event Report Forms received 60 days after the completion of the insured event are subject to a $25 late reporting fee


PAC Forms & Resources

  •  PAC Annual Certificate of Insurance Request (Online)
  •  Additional Insured Request Form (Online)
  •  Pay for an Additional Insured Certificate (Online)
  •  PAC Annual Agreement (PDF)
    •  In order to sign the agreement electronically, you must first download & save the PDF to your computer
  •  ACA's Risk Management Requirements (PDF
  •  Notification of Events / Submit Your Event Schedule (Online / Excel)
  •  Final Event Report Form (Online / Excel)
  •  ACA Incident / Accident Report Form (Word / PDF)
  •  Class III+ Whitewater Events: Special Insurance Registration Form (Online / PDF
  • ACA Waiver & Release of Liability:


For questions and additional information, contact the ACA 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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Phone: 540-907-4460
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