ASA Insurance For Certified Instructors
Certificate of Insurance | Policy Summary | Waiver | Claims |
Commercial General Liability Insurance
American Sailing Association has placed COMMERCIAL GENERAL LIABILITY
INSURANCE specifically for Certified Instructors. The policy
provides defense coverage (if the Certified Instructor is named
personally) in a lawsuit for bodily injury or property damage
negligently caused by instructional activities. The ASA policy is
solely for the protection of the individual instructors of ASA (while
working for ASA Certified Schools). It does not share its limits
with the schools or the national organization itself. In the
event of a sole proprietor, the ASA policy would still benefit him/her
as it provides another $1,000,000 in coverage as a certified instructor.
- The coverage provided by an ASA Sailing School is primary
coverage over this instructor's
insurance program. This policy is intended to cover individual
instructors who may be named in addition to the school. The
school's policy may provide some protection for the certified
instructor depending on the relationship, i.e. employee or independent
- In addition to instruction, this policy will cover certified
instructors who volunteer or are paid to help run an ASA event.
The same terms as outlined in number 1. will apply.
- The ASA Certified Instructor Liability Insurance does not apply
if the Certified Instructor begins his own, or begins to manage, as ASA
sailing school. The Sailing School will need to purchase separate
insurance. The ASA Certified Instructor Liability Insurance
policy will still protect the individual as respects to their duties of
a certified instructor, not the owner or operator of the school.
- Boats used for sailing instruction:
Boats owned by, leased to, loaned to or chartered to the sailing schools
The hull and P&I coverage should be purchased and maintained by the
sailing school. The ASA Instructor's policy will not cover damage
to a vessel used for lessons.
Students or Individuals' Boats Used For Instruction
The hull & P&I should be provided either by the student's
coverage in place on the boat or insured as a "borrowed boat" by the
sailing school. Again the ASA Instructor's policy will not cover
damage to a vessel used for instructional purposes.
Prior to using a non-owned vessel, the details should be worked out as
to whom is responsible for the hull & P&I insurance. In
addition, we recommend that a hold harmless or waiver of subrogation be
signed to prevent the provider of hull insurance from paying the claim
and then trying to recover from a third party such as the school or
Certificate of Insurance - (pdf download)
Policy Summary - (pdf download)
Waiver - (pdf download)
Claims - (pdf download)