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Individual Membership Insurance
Program
SPORT LIABILITY INSURANCE
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 Squash BC, 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:
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Premises, Property and Operations
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Products and Completed Operations
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Blanket Contractual
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Personal Injury (libel and slander)
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Employees as Additional Insured
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Cross Liability
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Non-Owned Automobile (in most cases)
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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
SPORT ACCIDENT INSURANCE
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 doctor's 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
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It is the responsibility of the Insured to
obtain an athletic accident claim form from the association
or club executive.(available in PDF form click
here)
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The Insured or parent/guardian shall fully
complete the claim form.
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For reimbursement of dental or medical claims,
the Insured shall have the attending
dentist or physician complete the applicable form.
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The Insured shall submit the completed claim
form to the association or club executive for their signed certification.
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Proof of claim, including a report from the
attending dentist or doctor, must be
submitted within 90 days of the date of the accident.
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Completed claim form and all insured accounts
for payment should be forwarded
without delay to:
All Sport Insurance Marketing Ltd.
107, 1367 W. Broadway
Vancouver, BC V6H 4A9
Tel (604) 737-3018
Fax (604) 737-3076
Toll 1 877 992-2288
for more information visit http://www.allsportinsurance.com
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 CGU Insurance Company of Canada
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