There are three optional levels of coverage up to $11,000,000. The first two levels include legal defense at nominal premiums.

This coverage fills a definite need for small clubs and "paper" clubs, windsurfing and multi-hull sailors. It protects the organization from liability for incidents of property damage or bodily injury occurring over-the-land.

It provides liability protection for the organizer for injury while operating from beach property, such as public and private beaches and national or state parks.

If the organization owns or leases the land or building, it can be eligible provided that the gross revenue, including dues, does not exceed $25,000. If your organization does not own or lease land or building space, the revenues are unlimited to acquire this insurance.

This coverage is available only as an add-on to the Regatta Liability Insurance policy. This combination provides a complete spectrum of shore-side and on-the-water insurance protection for small organizations at an affordable price.

Injuries or damage as a result of propulsion from kites is now excluded.

This coverage is only available to Regatta Organizers that purchase their Regatta Liability Insurance through The David Agency.

THIS IS AVAILABLE FOR REGATTA ORGANIZERS ONLY. The purpose of this insurance is to obtain boats to execute a regatta. Provides a three-directional protection plan that protects the owner providing the boat, the skipper using the boat and the race organizer. Each of these three portions is independent of the other and one, two, or all three can be acquired. Should your organization need to borrow a number of boats for a regional, national, worlds or international championship, and wish to return the boats back to the owners in as good of shape (less normal wear and tear) as you received them as Regatta Chair. Travelers Insurance Company will pay for the repairs to them (less the deductible) and you can get them back to their owners quickly. Per-boat coverage as high as $60,000 is available.

THE THREE PARTS TO CONSIDER:

This coverage is only available to Regatta Organizers that purchase their Regatta Liability Insurance through The David Agency.

This insurance applies only to events held within the United States of America, by an American organization.  A borrowing organization can insure the hulls as well as the organization's liability, which makes it easier to obtain needed boats to pull off a regatta. Should your organization need to borrow a Race Committee, Patrol, Mark Set, Umpire or Judges Boat and wish to return the boats back to the owners in as good condition, less normal wear and tear, as you received them as Regatta Chair. Travelers Insurance Company will pay for the covered repairs, less the deductible, and you can get them back to their owners quickly.

THE THREE PARTS TO CONSIDER:

This coverage is only available to Regatta Organizers that purchase their Regatta Liability Insurance through The David Agency.

Brief Program Description:

This insurance applies only to events held within the United States of America by an American organization.

Designed for "Sailing for Cash" elimination or final events, each policy stands alone, declaration to include present-day replacement cost and standard "All Risks" yacht policy form, which includes collision liability.
 

Important Information Links:

Directors and Officers Information Guide (PDF SIZE: 7K)

Directors and Officers and Employment Practices Liability Application Form Non-Profit Only (PDF SIZE: 70K)

Application Form For-Profit Only (Contact Glenn McCarthy)

Directors' and Officers' Insurance F.A.Q.'s

Provides protection to the officers, directors and volunteers of Yacht Clubs, PHRF Organizations, or any sailing organization against suits brought for acts of commission or omission defending them for their decisions.

This policy will protect the Officers, Directors, and/or Trustees of an organization from actions brought by organization members claiming that an action or omission by the Officers, Directors, and/or Trustees caused the organization financial loss or damage. Limits range from $500,000 and up, deductible at your option. Cost of defense is subject to the deductible. This is an annual claims-made policy. Included is Employment Practices Liability, Discrimination Liability, Sexual Harassment and Publisher’s Liability. Exclusions include Prior or Pending Litigation, Claims for Property Damage or Bodily Injury, Third Party Harassment and Discrimination, Prior Acts, Outside Directorship, Defense Outside Limits (by endorsement), or All Suits Arising Out of or Attributable to For-Profit Operations. This insurance is particular to each organization’s organizational talents. It is heavily recommended to discuss this with the agent, Glenn T. McCarthy, AAI at (630)592-5314, who will guide you through this important issue. They have served on Boards of Directors of sailing organizations, are sailors too and share your concerns.