Insurance Questions/Claims

Liability insurance coverage is provided to all NAR members and to chartered sections (as additional insured on the NAR policy) as part of your membership.

Policy Particulars

The commercial liability coverage is primary coverage for personal (non-business) rocketry activities and has the following limits, deductible and exclusions:

Limits of Liability

Each Occurrence (incident)—$5,000,000
General Aggregate Limit (to the NAR)—$6,000,000

Deductibles

$5,000 Per Claim (member is responsible for $1,000 of the deductible, 1st claim; $5,000 for additional claims)

Exclusions

NAR insurance does not cover any activities which violate the NAR Model Rocket and High-Power Rocketry Safety Codes, or which involve business use of rockets. Please be sure to observe all safety code provisions always in your rocketry activities. NAR insurance also does not cover any activities which involve use of alcoholic beverages, criminal assaults and batteries, or sexual abuse.

Administrative Items

Coverage is effective on midnight of the date that your application is received at NAR headquarters. Coverage is effective in the United States and Canada.

NAR member and sections may schedule and fly launches at any time, and no notice needs to be given to your insurer. Member coverage always remains in effect, including at other organizations’ launches, as long as the member flies his flights in accordance with the NAR Safety Codes. NAR sections are covered for all sport rocket launch activities as defined in the NAR Safety Codes, and for their meeting activities.