Insurance Program
 

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 participants, spectators, property of lessors and others resulting from your operations only. Coverage includes your participants’ liability.

 

Limit - $5,000,000

 

Including the following extensions:

  • Premises, Property and Operations
  • Products and Completed Operations
  • Liquor Liability (Awards Banquets & Annual General Meetings)
  • Blanket Contractual
  • Personal & Advertising Injury (libel and slander)
  • Employees, members, volunteers as additional insureds
  • Non-Owned Automobile
  • Tenants Legal Liability - $2,000,000

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 - $2,000,000

Retention - $1,000

 

Sport Accident Insurance

Coverage for practices, games, team travel. One plan covers all participants, managers, coaches, executives, and field officials throughout the entire season through Chartis Insurance Company.

 

Principal Sum Benefit – Up to $30,000

 

Amount paid to members who sustain a loss specified in the Table of Losses. Immediate payment is provided for Quadriplegia, Hemiplegia & Paraplegia. In the event of a Permanent Total Disability, payment of the above sum is payable within 365 days.

 

Table of Losses

Life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $30,000

Both Hands or Feet . . . . . . . . . . . . . . . . . . . . . . . . . . . $30,000

Entire sight of Both Eyes . . . . . . . . . . . . . . . . . . . . . . . $30,000

One Hand and One Foot . . . . . . . . . . . . . . . . . . . . . . . $30,000

One Hand or Foot & the Entire Sight of One Eye . . . . $30,000

One Arm or One Leg . . . . . . . . . . . . . . . . . . . . . . . . . . $22,500

One Hand or One Foot . . . . . . . . . . . . . . . . . . . . . . . . .$20,000

Entire Sight of One Eye . . . . . . . . . . . . . . . . . . . . . . . . $20,000

Thumb and Index Finger of same Hand . . . . . . . . . . . .$10,000

Speech and Hearing in Both Ears . . . . . . . . . . . . . . . . $30,000

Speech or Hearing in Both Ears . . . . . . . . . . . . . . . . . .$20,000

Hearing in One Ear . . . . . . . . . . . . . . . . . . . . . . . . . . . .$ 5,000

Loss of Use of Both Arms or Hands . . . . . . . . . . . . . . $30,000

Loss of Use of One Hand or Foot . . . . . . . . . . . . . . . . .$20,000

Loss of Use of One Arm or Leg . . . . . . . . . . . . . . . . . . $22,500

Loss of Four Fingers of One Hand . . . . . . . . . . . . . . . .$10,000

Loss of All Toes of One Foot . . . . . . . . . . . . . . . . . . . . .$  3,750

Quadriplegia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $60,000

Hemiplegia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $60,000

Paraplegia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$60,000



Dental - Up to $5,000

For dental treatment resulting from injury to sound natural teeth and completed within 52 weeks of the accident.

 

Denture/Bridgework - Up to $1,000

For damage to or breakage of removable dentures, fixed bridgework and or capped/crowned teeth as a result of an injury.

 

Accident Reimbursement - Up to $15,000

For costs not insured by Provincial Medical Plan, including crutches, splints, medical braces, emergency ambulance, excess physiotherapy $30 per visit to a maximum of $300 per accident, prescription drugs for the injury, etc. incurred 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 Benefit - Up to $10,000

Payment for special occupational training required due to an accident.

 

Tutorial 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 $200 for repair or replacement of eyeglasses or contact lenses when damage results from an accident which requires the insured person to receive treatment by a physician or dentist.

 

Repatriation - Up to $10,000

In the event of death of an insured person 50km or more from their place of residence, this benefit will pay expenses to return the body and prepare the deceased for burial.

 

Occupational Training - Up to $3,000

In the event of a death of an insured person, this benefit will pay for formal training of the insureds spouse in an occupation in which they would otherwise not be qualified.

 

Vehicle Modification and Home Alteration Benefit - Up to $10,000

One time cost to modify the home or vehicle as required due to an injury specified in the Table of Losses.

 

Limitations and Exclusions 

No benefit shall be payable for any loss resulting directly or indirectly; wholly or partially from any of the following causes:

  1. purchase, repair or replacement of eyeglasses, contact lenses or prescriptions thereof (except as otherwise provided);
  2. sickness or disease either as a cause or effect;
  3. any intentionally self-inflicted injury;
  4. 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;
  5. declared or undeclared war, terrorist act, invasion or civil war, or any act thereof;
  6. service in the armed forces of any country;
  7. any benefits that are available under any Government Health Insurance Plan, whether enrolled in such a plan or not;
  8. dental and/or other expense benefits shall be for the excess of expenses payable under any other benefit or policy;
  9. 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.

 

Miken

 

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