Insurance for Yacht Clubs
and Sailing Organizations


The Burgee Program is the only comprehensive insurance program developed to meet the unique needs of all types of sailing organizations - yacht clubs, community programs, schools, classes, fleets, paper clubs, and more. The program is managed by the marine experts at Gowrie Group, underwritten by Chubb, and endorsed by US Sailing. The program protects not only the organization, but also the board members, flag officers, volunteers, members, and employees.

More than 1,000 sailing organizations across the United States are protected by The Burgee Program. US Sailing members are eligible for a 10% discount on the marine components of the program.

Video overview of the Burgee Program.



A sampling of customizable protection available:

  • Liability coverage for races, regattas, and cruises
  • Hull and liability coverage for club-owned, borrowed, and chartered boats
  • Sailing instruction coverage, for teaching juniors and adults
  • Race management errors and omissions coverage
  • Coverage for buildings, contents, and historical assets of the club
  • Piers and docks coverage, including wave wash and flood coverage
  • Workers’ compensation coverage for injuries to employees and volunteers
  • Auto liability coverage for club-owned vehicles and trailers
  • Umbrella liability coverage that extends over the D&O policy
  • Jones Act coverage for employees working on the water
  • Pollution and fuel spill coverage (accidental and sudden)
  • Club members, employees, and volunteers named as additional insureds
  • Additional liability coverage for directors & officers, employment practices, fiduciary, and crime

To learn more or apply:

If you are interested in learning more about The Burgee Program, please fill out the Inquire about Burgee Program form or contact us at burgee@gowrie.com, 800.262.8911. If you are already familiar with The Burgee Program, you can download all applications here.




Header photography (Ram Island Yacht Club) courtesy of Matt Lettrich
"Directors & Officers Insurance" graphic photography courtesy of Fried Elliot