Brian Nystrom wrote
[...]
Most of the other clubs in our area have eschewed membership in the ACA
PAC program and just go it alone. They rely on the principles of the
"Common Adventure Model" for liability protection. To date AFAIK, none
of the clubs or their members have been sued for anything that has
happened at any of their club functions, trips, etc., primarily because
their safety record is exemplary, as is ours. With the cost of insurance
going through the roof, I suspect that CAM is the wave of the future.

The question of insurance is the major issue. Our current club officers
are very nervous about going to a waver scheme -- feeling that they
would not provide any reliable protection for the club or the paddle
leaders. I don't know if paddling is any more hazardous than playing
baseball. What do baseball clubs use?