close

You are here

Insurance

Are you covered?
All members of your organization, including members, executives, managers, coaches, trainers, officials, employees, and volunteers while acting within the scope of their duties on your behalf are covered.
What is covered?

In a nutshell, a full SPO Membership includes:

  • $5,000,000 general liability insurance coverage for all rostered players
  • $2,000,000 liability insurance coverage for all Members of the League Executive
  • Secondary accident and health insurance coverage for all Players
  • Liquor liability for League Banquets and Annual General Meetings
  • Activities covered include sanctioned or authorized events, including related training within your sports discipline
     


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.
 
What is Liability Insurance?

 

What is Municipality Insurance?
The standard General Liability policy carried by a Recreation Department or a Municipality, only covers the Recreation Department and its directors, officers and employees. It may or may not cover sports volunteers working directly on behalf of the Recreation Department. In addition, individual leagues using the facilities are definitely not covered!

Even if sports volunteers are covered under the Recreation Department's General Liability Policy, there may be limitations. For example, there may be no coverage for off-premises practices, games or non-sports outings.

As well, many General Liability policies carried by Municipal Recreation Departments have dangerous loopholes such as an Athletic Participants Exclusion, Punitive Damages Exclusion, and a Sex Abuse/Molestation Exclusion.

Please note that most Municipality insurance does not include the following coverages:
- Participant Coverage
- Participant to Participant Coverage
- Liquor Liability
- Accidental Death and Dismemberment Coverage
- Injuries

As well, you may have:
- High deductibles
- Difficulty in securing Certificates of Insurance
- No defence in the event of a lawsuit

This means that even though you have purchased a policy through the City or Town where you reside, you will not be covered should your Players be injured or you are sued!
 
I’m injured... What do I do?

1. Complete an Incident Report within 24 hours of the accident and email, fax or mail to Slo-Pitch Ontario. This can be completed by the League, Team or Player.

2. It is the responsibility of the insured to notify the SPO office of an injury and to request an Athletic Accident Claim Form within thirty (30) day of the accident.

3. The insured player or parent/guardian shall fully complete the Athletic Accident Claim Form.

4. For reimbursement of dental or medical claims, the insured shall have attended dentist, physician or family physician complete the applicable portion of the Claim Form.

5. The insured shall submit the completed Claim Form to their League Executive or team manager for their signed certification.

6. The insured shall be responsible to forward the completed Form, together with any receipts or estimates, to the SPO office for approval and processing to the insurance company.

7. Forward completed Claim Forms and receipts to the Slo-Pitch Ontario office be email or by mail to:
7-8 Hiscott Street, St Catharines, ON L2R 1C6.

8. The Group Policy Number will be added to the Claim Form be the SPO office prior to forwarding to the insurance company.

9. For claims requiring a specific report from a doctor, chiropractor, osteopath, etc., the insurance company will forward the necessary forms to you upon receipt of the completed Athletic Accident Claim Form.

10. The SPO office will forward all completed Claim Forms, along with receipts/estimates, to the insurance company. The insurance company will be in direct contact with the insured if anything further is required once the Claim Form has been received.

PLEASE NOTE: Some reimbursements have limits and/or caps. This is NOT a LOSS OF WAGE or INCOME POLICY.

For more information or assistance, please contact the SPO office by calling (905) 646-7773 or by email.