2026/2027 Club Insurance
UPDATES/NEWS:
Directors & Officers (D&O) Liability Insurance: Important: D&O Insurance is not included in the general liability policy and must be purchased separately through BFL Canada. This optional coverage protects club directors and officers from personal liability related to decisions, errors, or omissions (e.g., mismanagement or negligence). Separate application required. For more information, contact Roxanne Jobin at BFL Canada: rjobin@bflcanada.ca
New: Hydrofoil activities are now included in the general liability policy—no additional purchase required.
Coaching – Outreach Programs: If your club is running outreach programs, you are required to have a certified coach on site at all times during activities. Clubs are responsible for ensuring all coach information is current and that coaches meet the requirements below.
*Failure to meet these requirements may result in coaches being deemed non-compliant and not covered under WSWC insurance.
Coach Eligibility and Requirements: To be recognized as a WSWC coach, all coaches—regardless of context—must have:
- Certified NCCP Coach (minimum Foundations trained)
- NCCP Safe Sport eModule
- NCCP Making Headway in Sport (Concussion Training)
- NCCP Making Ethical Decisions – Online Evaluation
- Valid First Aid Certification
- Valid Pleasure Craft Operator Card (PCOC)
- Valid WSWC Membership
IMPORTANT: Coaches who do not meet the above requirements:
- Will not be considered compliant
- Are not be covered under WSWC liability insurance
Water Ski and Wakeboard Canada’s (WSWC) Club Insurance Program is designed specifically to meet the needs of Canadian towed watersports clubs. It provides tailored coverage to support safe, organized club operations, ensuring protection for members, volunteers, and activities conducted under the club’s programming.
- Base Coverage: $5 million liability policy
- Optional Add-ons: Additional coverage available (see pricing below)
WHAT IS A CLUB: A club is defined as:
- A non-profit organization (does not have to be), where
- All participants are members of their provincial water ski & wakeboard association
- This includes: Members, Volunteers, Staff, Coaches and Participants (on and off the water)
PROGRAM BENEFITS:
✔ General Liability Insurance: Comprehensive liability protection for club operations
✔ Club Promotion: Listing in WSWC’s online club directory, social media and online newsletter to help attract new members
✔ Programs & Development Access to:
- Rip N Ride Program
- Coaching & athlete development
- Event sanctioning pathways
✔ Boat Insurance Access
Optional low-cost insurance for personal and club-owned boats: CLICK HERE
✔ Directors & Officers (D&O) Insurance: * D&O Insurance is not included in the general liability policy
Protection for club leadership against:
- Mismanagement claims
- Errors and omissions
- Liability related to decision-making
APPLICATION PROCESS
Applications are processed once all required documents and payment have been received. Payment can be made via PayPal (credit/debit) or Interac e-transfer.
Processing Time: Standard: approximately 6 business days. Rush: less than 6 business days (additional $100 fee). Note that ALL fees are non-refundable.
Coverage: is valid for a 12-month period, beginning on the later of April 1 or the application approval date, and ending March 31.
Eligibility Requirements: Clubs must meet established risk management and quality standards to qualify for coverage.
CONTACT INFORMATION:
WSWC Office: Katie Bice
Katie@wswc.ca OR Insurance@wswc.ca
BFL Canada (Broker): Roxanne Jobin
rjobin@bflcanada.ca
STEP 1 : REVIEW INSURANCE COVERAGE
CLICK HERE TO REVIEW WSWC’S CLUB PROGRAM & COVERAGE DETAILS
For a detailed list of insurable club activities and coverage details, please CLICK HERE
To review the program outline CLICK HERE
PROGRAM FEES & COVERAGE
Mandatory Basic General Liability Insurance Coverage: $750.00 + Service Fee
Rush Service: $100.00
Applications are typically processed within approximately 6 business days. “Rush” processing (less than 6 business days) is available for an additional $100.
Winch & Start Pools – Additional Application $275.00: Winch-pulled or “start pool” activities may be covered under WSWC’s insurance program by special application and an additional fee. Approval is based on safety considerations and at WSWC’s discretion. Coverage includes up to four winch activities, with additional fees for each extra activity. CLICK HERE for the application.
Additional Activities: Activities not covered under WSWC’s policy may be insurable through a separate policy and additional premium. Using the same underwriter can help avoid coverage gaps or disputes. For more information, contact WSWC’s broker: Roxanne Jobin, BFL Canada rjobin@bflcanada.ca
Boat Insurance
The Coverage under the club insurance program is limited to general liability. It does not include, property insurance (i.e. boat equipment, ramps, docks), life insurance, boat insurance or accident insurance.
To purchase boat insurance CLICK HERE
STEP 2 : MEMBERSHIP REGISTRATION
Clubs are required to maintain 100% registration, meaning all club members must be registered with WSWC through their provincial association.
Outreach and introductory activities are encouraged. However, for the purposes of this program, any participant must become a member of their provincial association before their first use of club services.
Additional insurance coverage may be available for clubs conducting outreach programs that involve non-PSO members. Clubs should refer to the full program outline for detailed information on eligibility and requirements. Contact katie@wswc.ca for more information.
INDIVIDUAL MEMBERSHIPS
NEW MEMBERS, CLICK HERE
Become a Member: New Members or Returning Members Who Skipped 2025
Please select “JOIN NOW” if: You are a new member, or You have been a member in the past but did NOTpurchase a membership in 2025.
RENEW MEMBERSHIP CLICK HERE
LOGIN – Returning Members: If you purchased a membership in 2025, please LOGIN to your account to renew or manage your membership. Do NOT select “Join Now.”
CLUB MEMBERSHIP
CLUB MEMBERSHIP
To purchase a club membership, please follow the steps below:
New Clubs
If you are a new club, please contact the office at katie@wswc.ca to set up your account before proceeding.
Returning Clubs
Log in to your personal membership account. Your club profile is linked to your individual account, and you can switch between profiles using the role selection feature.
Need Help?
If your club profile is not visible in your account, please contact katie@wswc.ca for assistance.
STEP 3: WSWC’S COACHING PROGRAM
Clubs that provide primary coaching or instructional services must ensure their coaches meet the minimum certification standards of the National Coaching Certification Program (NCCP).
Clubs offering outreach or introductory programming—such as learn-to waterski/ride sessions, “Give It a Go” days, or similar activities—must have an active, certified coach on site at all times.
For information on upcoming coaching clinics, please contact your Provincial Sport Organization (PSO).
To learn more about WSWC’s coaching program, CLICK HERE
STEP 4 : APPLICATION
CLICK HERE TO APPLY FOR CLUB INSURANCE
Returning Clubs
Please check your email for your renewal package or contact the office for assistance.
New Clubs
Please complete the application HERE