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Insurance

Who is covered?
SPO offers affordable general liability and secondary sport accident insurance coverage for leagues, players and events!
 

Any league or association 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?

FOR SPORT ACCIDENT INSURANCE CLAIMS

1.  Complete an SPO Incident Report within 48 hours of the accident and scan and email it to Slo-Pitch Ontario. This can be completed by the League Director, the Team Contact or the Player. 

2.  It is the responsibility of the insured to notify the SPO office of any injury claim and to request an Athletic Accident Claim Form.

3.  The insured player or parent/guardian must fully complete the Athletic Accident Claim Form and submit the same to the SPO Office, together with any receipts for expenses already incurred and/or estimates obtained to date, within thirty (30) days of the date of the incident. For reimbursement of dental or medical claims, the insured must have the attending dentist or physician complete the applicable portion of the Form.

4.  Pictures of reports, forms, receipts or estimates cannot be accepted.

5.  The SPO Office will process the Claim and forward all documentation received to the insurance company on behalf of the insured.

6.  The insurance company will review and assess the Claim and will be in direct contact with the insured if anything further is required (ie. report from a doctor, chiropractor, etc., or any other necessary or required forms).

7.  On an approved Claim, receipts and/or estimates for additional reasonable expenses resulting from the incident and incurred within fifty-two (52) weeks of the date of the incident, may be submitted to the SPO Office for forwarding to the insurance company.

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 spoa@slopitch.org.