The National Office does not condone Chapters/Associations participating in events that are held on the water and/or watercraft, i.e. kayaking, tubing, paddle boats, a boat, a dinner cruise, a yacht, etc.
From the Philadelphia Insurance company in regards to insurance coverage of events being held on the water:
Please be advised that Philadelphia Insurance Companies has notified our office that claims resulting from activities on watercraft, including dinner cruises, will not be covered.
Special Events Coverage will need to be purchased from a separate carrier for this type of event, and the event must be alcohol-free. The carrier currently willing to provide coverage will deny an application if the event includes alcohol, even if it is served by a licensed third-party vendor. Each special events application will be considered on a case-by-case basis and coverage is not guaranteed. This coverage could also become unavailable without notice.
A Special Events Coverage application for this type of coverage follows this memo. Please make this application available to your chapters. The chapter should request that the inter/national organization be listed as an additional insured on any special events policy.
If the Chapter/Association would like to get a quote for the Special Event Coverage insurance for an event email riskmanagement@phisigmapi.org.