Why
Liability Insurance?
Because
no matter how careful you are, accidents happen. And you can be sued by anyone
who claims injury or damages resulting from your activities. You may not be
liable, but you will need to be defended in court. A liability policy will pay
for this defence as well as any costs awarded against you. In short, liability
insurance gives you peace of mind.
Who
is Insured?
All members of your organization, including executives, managers,
coaches, trainers, officials, employees and volunteers while acting within the
scope of their duties on your behalf.
Activities
Covered
Sanctioned
or authorized events within your sport discipline, including related training
authorized by you.
Loss
Prevention Advice
Is
available on nation-wide basis including video presentations and seminars.
Claims
Service
Is
available on a national basis from specialists who have a wide range of services
at their disposal.
General
Liability Insurance
The
policy will pay those sums that the insured becomes legally obligated to pay
as compensatory damages because of bodily injury to or damage to property of
others, such as spectators, passersby, property owners and others resulting
from your operations or actions. Coverage includes your legal liability for
injury to participants
Limit - $1,000,000 to $5,000,000, as negotiated
Including the
following extensions:
-
Premises, Property and Operations
-
Products and Completed Operations
-
Blanket Contractual
-
Personal Injury (libel and slander)
-
Employees as Additional Insured
-
Cross Liability
-
Non-Owned Automobile (in most cases)
-
Tenants Legal Liability
A deductible of $500 applies to bodily injury, property damage and legal expenses.
Directors
and Officers Insurance
Directors
and officers may be sued for actual or alleged errors or omissions while performing
their duties as officials of the organization. D&O insurance will pay those
sums the organization, directors and officers become legally obligated to pay
as compensatory damages because of a wrongful act.
Limit $1,000,000 to $5,000,000, as negotiated
Deductible $500
Coverage for practices, games, team travel. One plan covers all participants, managers, coaches, executives, and field officials throughout the entire season.
For each separate accident the Plan pays:
Dental
- As Negotiated
For
dental treatment resulting from injury to sound natural teeth and completed
within 52 weeks of the accident.
Accident
Reimbursement
- Up To $10,000
For costs
not insured by Provincial Medical Plan, including crutches, splints, medical
braces, emergency ambulance, excess physiotherapy, prescription drugs for the
injury, etc., incurred within 52 weeks of the accident.
Principal
Sum Benefits -
Up To $20,000
In the
event of Loss of Use of Hands, Arms, or Legs: Quadriplegia, Paraplegia, Hemiplegia;
Loss of Speech and Hearing or Dismemberment occurring within 52 weeks of the
accident (benefit as scheduled).
Accidental
Death
- $10,000
In the event of accidental death occurring within 52 weeks of the accident:
-
Fracture
Indemnity Benefit
Up to $500
paid for fracture of bone or bones (including chip and linear fractures).
-
Rehabilitation
Indemnity Benefit
Up to $3,000
for special occupational training required due to an accident.
-
Tuition
Fees Reimbursement
Up to $2,000 for tutorial services made necessary by post-accident confinement.
-
Emergency Transportation
Benefit
Up to $50 for transportation from arena or field to nearest hospital or doctorÕs
office.
-
Eyeglasses
and Contact Lenses Expense
Up to $100 for repair or replacement of eyeglasses or contact lenses when damage
results from an accident which required the Insured Person to receive treatment
by a physician or dentist
Limitations and Exclusions
No benefit shall be payable for any loss resulting directly or indirectly, wholly or partially from any of the following causes:
a. purchase, repair, or replacement of eyeglasses, contact lenses or prescriptions thereof (except as otherwise provided);
b. sickness or disease either as a cause or effect;
c. any intentionally self-inflicted injury;
d. any of the hazards of aviation except while riding as a fare paying passenger in a licensed aircraft operating on a regular scheduled service between airports;
e. declared or undeclared war, invasion or civil war, or any act thereof;
f. service in the armed forces of any country;
g. any benefits that are available under any Government Health Insurance Plan, whether enrolled in such a plan or not;
h. dental and/or other expense benefits shall be for the excess of expenses payable under any other benefit plan or policy;
i. an insured person who is not a resident of any Canadian province that has enacted Medical Care Legislation unless stated specifically in this policy.
This insurance is subject to and shall not contravene any Federal or Provincial statutory requirements with respect to hospital or medical plans, nor shall it duplicate any benefits which are provided under any Federal or Provincial Hospital or Medical Plans, or any other policy providing a reimbursement indemnity.
Athletic
Accident Claim Procedures
-
It is the
responsibility of the Insured to obtain an athletic accident claim form from
the association or club executive.
-
The Insured or parent/guardian shall fully complete the claim form.
-
For reimbursement of dental or medical claims, the Insured shall have the attending
dentist or physician complete the applicable form.
-
The Insured shall submit the completed claim form to the association or club
executive for their signed certification.
-
Proof of claim, including a report from the attending dentist or doctor, must
be submitted within 90 days of the date of the accident.
-
Completed claim form and all insured accounts for payment should be forwarded
without delay to:
All
Sport Insurance Marketing Ltd.
507, 1367
W. Broadway
Vancouver, BC V6H 4A9
Tel (604) 737-3018
Fax (604) 737-3076
Toll 1 877 992-2288
The description of coverage contained herein is not complete, and reference must be made to the actual terms and conditions of the applicable policy forms.
Underwritten By AVIVA Insurance Company of Canada