National, Provincial and
Regional Sport Organizations


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:


SBC Insurance Agencies Ltd.

#200 – 999 Canada Place

Vancouver, BC   V6C 3C1

Toll Free: 1-877-360-6648

Tel: 604-737-3018

Fax: 604-737-3027



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.