|Paddle America Club (PAC) Insurance Program|
The ACA's Paddle America Club Insurance 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. Please note, only non-profit organizations are eligible to apply for the ACA's PAC Insurance Program.
All current PAC memberships expire on November 30, 2017.
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
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. It also includes the forms you will need to obtain insurance for your activities through November 2016. 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 determined by the size of the club. The 2017 PAC dues are:
When submitting your signed agreement, be sure to include the completed Insurance Registration Form and the Contact Information Form, both found in the 2017 PAC agreement packet. 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 Form with your agreement and we will request an insurance certificate for the third party. The fee for each 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 U.S. 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 by 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 online or by check or credit card.
Running your Activity
The ACA's insurance program requires Paddle America Clubs to satisfy three requirements on the day of the activity:
PAC Forms & Resources
For questions and additional information, contact the ACA Insurance Coordinator.
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