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Insurance

Who is covered?
SPO offers affordable sport liability and secondary accident and health insurance coverage for leagues, players and events, as well as Host Liquor Liability insurance!
 

Any league or association registered with our Association receives liability insurance that covers your organization, including members, executives, managers, coaches, trainers, officials, employees and volunteers while acting within the scope of their duties on your behalf.

What is covered?

Your SPO League Membership includes:

  • $5,000,000 general liability insurance coverage for league executives and registered players
  • Secondary accident and health insurance coverage for players*
  • Free Certificate of Insurance that can name your Municipality as an Additional Insured
  • Free liquor liability insurance for League Banquets and Annual General Meetings
  • Host Liquor Liability Insurance available for your league tournaments or events
  • (*Some caps or limits and exclusions may apply and there is no loss of wage policy.)

For more information, please see SPO Insurance Programor contact the SPO Offfice.

What is Liability Insurance?

Because no matter how careful you are, accidents happen! 

You can be sued by anyone who claims injury or damages resulting from your activities and although you may not be liable, you will need to be defended in any court proceedings. 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.
What is Municipality Insurance?
The standard General Liability policy carried by a Recreation Department or a Municipality is designed for municipalities to offer insurance that addresses the needs of their community with targeted risk management and loss control initiatives so as to manage and improve their exposure to risk. It may therefore only cover the Recreation Department and its directors, officers and employees, and may or may not fully cover sports volunteers working directly on behalf of the Recreation Department, or individual leagues using the facilities!

Even if sports volunteers are covered under the Recreation Department's General Liability Policy, there may be strict 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 or a Punitive Damages Exclusion.

Unlike the sport insurance coverage we offer, most Municipality insurance does not include:
 

- Participant Coverage
- Participant-to-Participant Coverage
- Liquor Liability (Awards Banquets and Annual General Meetings)
- 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 your 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 Contact 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) days 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 by email to spoa@slopitch.org 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 by 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 email.