Insurance

For Clubs

Paddling clubs who have a current ACA Paddle America Club membership and adhere to ACA’s risk management requirements are eligible to participate in ACA’s insurance program. This program provides year-round general liability coverage to club members (who are also ACA members), event members, coaches, event organizers, and administrators arising from club-sponsored and adult-supervised on-water workshops, practices, training, instruction, and ACA sanctioned events as well as non-water activities such as approved fundraisers, banquets, and meetings.

For the purposes of ACA’s insurance program, paddling clubs are defined as having dedicated individual members who: are informed and given opportunity to participate or vote upon policies and activities undertaken by the organization, receive regular communications from the organization, and renew their affiliation with the club on an annual basis.

For Current Paddle America Clubs

Club memberships expire on January 31st of each year. To maintain your club’s status as a Paddle America Club, please submit payment for your PAC membership dues and complete and return the PAC Agreement to the Insurance Coordinator.

For Prospective Paddle America Clubs

For prospective Paddle America Clubs: If your club would like to become a Paddle America Club and participate in ACA’s insurance Program, please:

Before & After Your Event
PAC Forms and Resources
Online Waiver Administration Help

Before your event

Ensure that all participants have signed an ACA Liability Waiver prior to participating in the event
PACs are not required to submit annual event calendars/notifications of events nor submit individual event insurance requests EXCEPT in the case of events being held on Class III whitewater or above
- Requests for insurance coverage for events held on Class III Whitewater or Higher must be made using this electronic form at least 10 days prior to the start of the event/activity.
If you need assistance, please contact the ACA’s Insurance Coordinator at insurance@americancanoe.org.

After your event

*Events in which all participants were current ACA members, no reporting is required.

It is critically important for events in which non-ACA members participated, that the PAC submit an event final report within 30 days of the conclusion of the event, including:

All event membership fees collected
If your club used the online SmartWaiver system, you do not need to submit waivers with your final event report form.
- Online Waiver for Current ACA Members
- Online Waiver for non-ACA Members
If your club used paper liability waivers, upload scanned copies of the signed ACA waivers with the event final report form.
Note: Event Final Report Forms received more than 30 days after the completion of the insured event are subject to a $25 late reporting fee.

As outlined in signed PAC Agreements, all ACA clubs agree to promote the ACA through their activities and publications:

The PAC will display the unaltered ACA logo on their website and within PAC publications and promotional materials
The PAC will identify the ACA in connection with ACA-insured activities and events using appropriate language such as “ACA Sanctioned Event,” “Conducted in Partnership with the ACA,” or something similar.

Here are some resources to help!

ACA Logo Primary Colors:

#112F52 (Dark Blue)
#d42027 (Red)

ACA Secondary Colors:

#00529c (Blue)
#EEEEEE (Gray)
#222222 (Black)

Using the SmartWaiver system, clubs now have the opportunity to review all your club members’ signed annual waivers in one location. To utilize this new administrative tool:

To request event-specific online liability waivers for your event, please complete this form.
Identify up to five (5) club/organization leaders who wish to have access to the annual waiver administrative tool.
- Required information for your selected organization leaders: First Name, Last Name, and Email Address
Each of those five (5) individuals will receive an email directly from Smartwaiver which will include instructions on how to access the administrative tool.
The ACA Insurance Department will then send you an email with a direct link for you to share with your club members – this is a link unique to your organization, and must be used in order to effectively use the administrative waiver review tool.
- Online waivers signed outside of this unique link will NOT populate your administrative review screen.

For Clubs

For Current Paddle America Clubs

For Prospective Paddle America Clubs

For Prospective Paddle America Clubs

Important Information