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Who is covered?

SPO offers affordable general liability and secondary sport accident insurance coverage for leagues and players!

Any league registered with our Association receives liability insurance that covers 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.

What is covered?

Coverage for a registered SPO League includes:

  • $5,000,000 general liability insurance coverage for league executives
  • Tenants Legal Liability
  • Participant Liability
  • Free Certificate of Insurance that can name your Municipality as an Additional Insured

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
- 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 may not be covered should your players be injured, or you are sued! 

I’m injured.. What do I do?


1.  Complete an SPO Incident Report within forty-eight (48) hours, and scan and email it to Slo-Pitch Ontario. The Report can be completed by the League or Tournament Director, Team Contact, Coach, or the Player. 

2.  It is the responsibility of the insured to notify the SPO office of any injury claim within thirty (30) days of the incident, and to request a Sport Accident Claim Form. Additional information for submitting a Claim will be provided to the insured at that time.

PLEASE NOTE: Coverage is secondary and 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 emailing