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Insurance

US SAILING endorses several insurance programs for racers, cruisers, sailboat owners, yacht clubs, sailing schools, community sailing programs and more.

• Accident Insurance
• Insurance for Boat Owners
• Yacht Clubs, Classes & Sailing Organizations

Accident Insurance Overview (click here for further details):

• The Plan:  As a US SAILING Association Member, you will be automatically insured against accidental loss of life, limb, sight, speech or hearing while participating in a sailing activity recognized by the US SAILING Association (including a regatta), that incorporates the rules and regulations of the US SAILING Association. Coverage includes while participating in US SAILING Association fund raisers, banquets or meetings as well as traveling to and from US SAILING Association activities.

• Eligibility:  This insurance plan is provided to all active dues paying members of the US SAILING Association.

• Beneficiary:  The Loss of Life benefit will be paid to the beneficiary designated by you.  If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order:  a) your spouse, b) your children, c) your parents, d) your brothers and sisters, e) your estate.  All other indemnities will be paid to you.

• The Benefits:  The full Benefit Amount of $50,000 is payable for accidental loss of life; loss of speech and loss of hearing; loss of speech and one of loss of hand, foot or sight of one eye; loss of hearing and one of loss of hand, foot or sight of one eye; loss of both hands, both feet, loss of sight or any combination thereof;  50% of the Benefit Amount is payable for accidental loss of hand, foot or sight of one eye (any one of each); loss of speech or loss of hearing. 25% of the Benefit Amount is payable of loss of thumb and index finger of the same hand.  “Loss” means, with respect to a hand, complete severance through or above the knuckle joints of at least 4 fingers on the same hand; with respect to a foot, complete severance through or above the ankle joint.  The Company will consider it a loss of hand or foot even if they are later reattached.  “Benefit Amount” means the Loss amount at the time of an accident.  The loss must occur within one year of the accident. The Company will pay the single largest applicable Benefit Amount.

• Policy Aggregate Limit of Insurance: If more than one (1) insured person suffers a loss in the same Accident, then we will not pay more than $500,000.  If an accident results in Benefit Amounts becoming payable, which when totaled, exceed $500,000 then the Policy Aggregate Limit  of Insurance will be divided proportionally among all insured persons, based on each applicable benefit amount.

Boat Owner's Insurance (click on any program below for further information):

• Big Boat Insurance
  Whether you race a Transpac 52, cruise a Tartan 40, or enjoy a vintage Huckins 44, you are eligible for US SAILING’s new Big Boat Insurance Program.
• One Design Insurance
  US SAILING and Gowrie, Barden & Brett now offer a comprehensive insurance program designed specifically for owners of one-design sailboats.
• Finance Package
  US SAILING, in partnership with Customer One Financial, brings you the best boat financing (and refinancing) program available.

Yacht Clubs, Classes and Sailing Organizations:

• The Burgee Program
  Comprehensive insurance coverage for yacht clubs, class associations, community sailing programs, sailing schools and more. NEW! Race Management Errors and Omissions Coverage.
• Regatta Liability Insurance
  Insurance policy that protects the organization from lawsuits arising out of bodily injury or property damage to participants on the water during a race or regatta.
• Borrowed Boat Insurance
  Insurance policy that provides hull and liability insurance for borrowed boats while they are in the organization's control before or during your race or regatta.
• Sailing School Insurance
  The Burgee program was designed to provide insurance coverage for the various activities of your sailing school.
• Directors and Officer's Insurance
  Insurance policy that protects the officers, directors, trustees, employees and club members for liabilities assumed in the course of managing the club.