I took my class onto the lake for SUP Yoga. A student fell in, hit her head on the board, and nearly drowned. My yoga insurance denied the claim because the accident happened “on a watercraft.”
Key Takeaways
- Watercraft Exclusion: General Liability excludes bodily injury arising from the use of any watercraft (SUP boards count).
- Marine Rider: You need a specific endorsement or a separate “Marine Liability” policy.
- Life Jackets (PFD): Coast Guard regulations require PFDs on board. If you didn’t have them, you were negligent per se.
- Lifeguard Certification: Did you have water rescue training?
The “Why”: The Vessel Definition
The Trap:
A Paddleboard is legally a Vessel.
GL Policy: “We do not cover bodily injury arising out of the ownership, maintenance, use or entrustment to others of any watercraft.”
Result: Denial.
The Investigation: I Quoted 3 Major Carriers
1. K&K Insurance
- My Analysis: They have a specific checkbox for “SUP / Paddleboard.” If you check it, they charge extra (~$150) and add the Marine coverage.
2. Philadelphia (PHLY)
- My Analysis: They cover it if it’s “flat water” (no ocean/rapids) and PFDs are worn.
3. Buddy Insurance (On-Demand)
- My Analysis: Great for outdoor enthusiasts. Covers the accident.
[IMAGE: Photo of PFD strapped to a yoga SUP board]
Comparison Table: SUP Liability
| Carrier | Covers Water? | PFD Required? | Cost |
| K&K | Yes (Endorsed) | Yes | |
| PHLY | Yes | Yes | |
| Standard | NO | N/A | Risk |
Step-by-Step Action Plan
- Buy the Rider: Do not assume your gym policy covers the lake.
- Mandate PFDs: Even if they don’t wear them, they must be on the board.
- Leashes: Mandatory.
- Check Weather: Negligence if you go out in high wind.
FAQ
Is a pool covered?
Usually yes, pools are “Premises,” not “Watercraft.”
What if I rent the boards?
Product/Rental liability. Higher risk.
Do I need a captain’s license?
No, usually not for SUP.