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Signal Insurance Program

The Signal Insurance Program

Specialty Insurance for Yacht Clubs, Sailing Organizations and Regatta Liability Coverage

The David Agency is the originator of Regatta Liability Insurance in the United States and we have the needed knowledge and experience to successfully protect your club. We have been insuring Yacht Clubs for over 42 years, and we specialize in comprehensive yacht club coverage. The marine experts manage this program at The David Agency and it is customizable to all different types of sailing organizations for the comprehensive protection and services they require. In addition to protecting the club and organizations, this program also protects the employees, board members, volunteers and members as well.

Yacht Club Insurance

We not only insure the racing exposure of yacht clubs, we can insure all of the yacht club’s needs and have been doing so for more than 42 years.

The following is a sample of the types of protection that are available to you:

  • Commercial General Liability
  • Directors and Officers
  • Employment Practices Liability
  • Legacy Insurance
  • Property
  • Commercial Automobile
  • Commercial Umbrella
  • Inland Marines (computers, trophies, artwork, etc.)
  • Boiler and Machinery
  • Crime and Fidelity
  • Business Interruption
  • Docks, Slips, Piers
  • Yacht Club Fleets
  • Regatta Liability
  • Sail Training
  • Marina Operator’s Legal Liability (includes wharfinger, storage, fueling, repair and yacht broker legal liability)
  • Protection and Indemnity (available with high limits including crew/ Jones Act coverage)
  • Work Boats

The Signal Insurance Program is customizable for all types of sailing organizations, which include:

  • Commercial General Liability
  • Yacht Clubs- all types ranging from smaller seasonal clubs to more formal year-round clubs.
  • Sailing Schools-profit or non-profit programs, community programs, programs for teaching one-on-one or a group
  • Club Associations- includes associations incorporated with a certain type of boat.
  • Paper Clubs- for clubs that do not rent or own any real estate.

Our Regatta Liability & On-The-Beach General Liability Coverage is very simple for you to arrange:

  • There is no need to join any membership organization so your club can buy insurance.
  • There are no service fees.
  • There is no need to change your entrants’ “differential entry fees.” This simplifies your club’s accounting and provides fairness to all of your racing entrants.
  • There is no need to forward your Notices of Race to anyone.
  • There is no need to monitor if the race entrants are members of any sailing organization.
  • There is no need to worry about foreign entrants and verifying their membership in their national authority.
  • We provide the highest Regatta Liability limit ($11,000,000) available for the price.
  • We cut out the middleman, so your application comes directly to us, and your policy gets back to you faster than before.
  • A.M. Best “A” Rated Carriers. Sound financial backing.


You can also contact The David Agency at (630)-516-9000

Free Consultation with a Marine Insurance Specialist

Contact The David Agency today to discuss your marine business insurance needs.

Call (630) 516-9000 or email us at info@thedavidagency.com 7 days a week.

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