This annual coverage is for clubs; associations and organizations and their members for general activities on and off water. It includes, but is not limited to, training, practices, coaching, club/association cruises, meetings, banquets, small fundraisers, recruiting, demonstrations, club/association social events. This is NOT for racing events or special events where members of the public are paying to participate in a race, cruise or demonstration. To access this program your club or association must be a member of Paddlesport Risk Management, LLC. Annual membership is $25 and payable with premium. PLEASE NOTE: ALL PREMIUM ON ANNUAL CLUB INSURANCE IS FULLY EARNED AND NON-REFUNDABLE.