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[Snowsports Club Risk Management Manual 2015] [Summary of Blanket Directors' & Officers' Liability Coverage] [Summary of Directors' & Officers' Liability Coverage for Clubs and Divisions] [Summary of General Liability Coverage]

 

SNOWSPORTS CLUB RISK MANAGEMENT MANUAL

Revised July 2016

   
FULL MANUAL   OPEN
Snowsports Club Risk Mgmt Manual 2015 PDF
APPENDIXES  
A - Coaches Duties PDF
B - Emergency Action Plan (EAP) PDF
C - Special Instructions for Reporting Incidents PDF
D1 - Competition Guidelines PDF
D2 - CWSAA Racer Pass Qualifications and Guidelines PDF
E - Request for Sanction and/or Certificate of Insurance PDF
F - Out of Country Training Sanction Request PDF
G - Out of Country Injury and Medical Treatment – Guidelines PDF
H - Fact Sheet – New Policy for Criminal Record Checks and Vulnerable Sector Verifications PDF
ADDITIONAL DOCUMENTS  
Canadian Sport For Life, A Sport Parent's Guide PDF
Drone Use at Ski Areas/Resorts PDF
The Need for Sport Accident Insurance Policy PDF

November 2016-2019

SUMMARY OF BLANKET 

DIRECTORS’ & OFFICERS’ LIABILITY COVERAGE 

 

Insured:

Covers the Named Entity below:

  • Canadian Snowsports Association;

  • Canadian Association for Disabled Skiing;

  • Alpin Canada Alpin;

  • Ski Jumping Canada ;

  • Nordic Combined Ski Canada ;

  • Canadian Snowboard Federation;

  • Canadian Freestyle Ski Association;

  • Telemark Ski Canada Télémark;

  • Canadian Speed Skiing Association;

  • Cross Country Ski de Fond Canada

and any individual who was, now is or shall be a director, officer, trustee, employee, volunteer or member of any duly constituted committee of the ENTITY.
Limits of Liability: $ 5,000,000    per claim and annual aggregate
Deductible: $ 0
Insuring Agreement: The INSURER agrees to pay on behalf of the INSURED(S) all LOSS that they may become legally obligated to pay as a result of a CLAIM. 

The policy applies only to CLAIMS first made against the INSURED(S) during the POLICY PERIOD and then only if reported to the INSURER during the POLICY PERIOD.

Definition of Claim: “CLAIM” means written or oral notice received by the INSURED(S) from any party that it is the intention of such party to hold the INSURED(S) responsible for a WRONGFUL  ACT. 
Definition of Wrongful Act: “WRONGFUL  ACT” means any actual or alleged defamation, breach of duty, neglect, error, misstatement, misrepresentation, omission or other act done or attempted by any INSURED in the discharge of their duties solely in their capacity with the ENTITY or any matter claimed against them solely by reason of their status as an individual INSURED in their capacity with the ENTITY.
Coverage:
  • Applies on a worldwide basis

  • Includes Spousal Coverage

  • Includes Penal Defense Cost Reimbursement - $500,000 limit

  • Severability applies to the exclusions and terms and conditions

  • The “mental anguish” exclusion does not apply to employment related wrongful acts

Group Policy Restriction: The policy will not respond to claims initiated by an INSURED of one ENTITY against an INSURED of another ENTITY.

 

THIS IS A SUMMARY OF COVERAGE ONLY.  THE TERMS AND CONDITIONS OF THE COMPLETE POLICY WILL GOVERN.

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November 2016-2019

SUMMARY OF DIRECTORS’ & OFFICERS’ 

LIABILITY COVERAGE 

FOR CLUBS & DIVISIONS

 

Insured:

Covers the Named Entity as described:

  • Divisions, Provincial Organizations and Member Clubs of CADS, SJC, NCC, CSF, CFSA, CSSA, TSC, ACA, Winterstart Events Ltd, Dave Murray National Training Center Society, World Snowsports Events Group, Canadian Ski Hall of Fame and Museum, and the Canadian Snowsports Association and any individual who was, now is or shall be a director, officer, trustee, employee, volunteer or member of any duly constituted committee of the ENTITY. 

Limits of Liability:

$1,000,000 per claim  (Basic – some entities have purchased increased limits)

$10,000,000 annual aggregate

Deductible:

$  0

Insuring Agreement:

The INSURER agrees to pay on behalf of the INSURED(S) all LOSS that they may become legally obligated to pay as a result of a CLAIM. 

The policy applies only to CLAIMS first made against the INSURED(S) during the POLICY PERIOD and then only if reported to the INSURER during the POLICY PERIOD.   

Definition of Claim:

“CLAIM” means written or oral notice received by the INSURED(S) from any party that it is the intention of such party to hold the INSURED(S) responsible for a WRONGFUL ACT.   

Definition of Wrongful Act:

“WRONGFUL ACT” means any actual or alleged defamation, breach of duty, neglect, error, misstatement, misrepresentation, omission or other act done or attempted by any INSURED in the discharge of their duties solely in their capacity with the ENTITY or any matter claimed against them solely by reason of their status as an individual INSURED in their capacity with the ENTITY.   

Coverage:

  • Applies to claims brought within Canada (World-wide coverage is available if an ENTITY specifically requires it)

  • Includes Spousal Coverage

  • Includes Penal Defense Cost Reimbursement - $500,000 limit

  • Severability applies to the exclusions and terms and conditions

  • The “mental anguish” exclusion does not apply to employment related wrongful acts

  • Defence costs are excess of policy limits

Group Policy Restriction:

The policy will not respond to claims initiated by an INSURED of one ENTITY against an INSURED of another ENTITY.

 

Note:        Increased limits of liability over the $1,000,000 are available for additional premium to those entities wanting increased limits.

THIS IS A SUMMARY OF COVERAGE ONLY.  THE TERMS AND CONDITIONS OF THE COMPLETE POLICY WILL GOVERN.

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July 2014-2017

SUMMARY OF 

GENERAL LIABILITY COVERAGE

 

Named Insured:

CANADIAN SNOWSPORTS ASSOCIATION and/or

ALPINE CANADA ALPIN and/or

CANADIAN ASSOCIATION FOR DISABLED SKIING and/or

CANADIAN FREESTYLE SKI ASSOCIATION and/or

CANADIAN SNOWBOARD FEDERATION and/or

NORDIC COMBINED SKI CANADA COMBINE NORDIQUE and/or

SKI JUMPING CANADA and/or

CANADIAN SPEED SKIING ASSOCIATION and/or

TELEMARK SKI CANADA TÉLÉMARK and/or

CROSS COUNTRY CANADA and/or

CANADIAN SKI COACHES FEDERATION

 Additional Insured:

 Broad Additional Insured wording, including:

  • All Divisions, Provincial Sport Organizations (PSO’s), disciplines, member associations, member clubs, directors, employees, members and volunteers of the Named Insured, while involved in any activity, as promoted, encouraged, organized, governed, regulated, sanctioned and/or approved by the Named Insured on a world-wide basis;

  • The Named Insured’s members, but only for acts within the scope of their activities as a member of the Named Insured;

  • Municipalities, government departments, sponsors, organizers, producers and ski hill operations in whose name any Insured has agreed to provide insurance, or who are operating (or involved in) the Named Insured’s sanctioned events, arising out of any activity, as promoted, encouraged, organized, governed, regulated, sanctioned and/or approved by the Named Insured.

  • Coverage afforded to Ski Areas is primary to any other insurance.

  • Includes coverage for all participants.

  • Incidental medical malpractice.

 Limits of Liability:

 Each Occurrence Limit: $10,000,000

Aggregate Limit: $10,000,000 Products & Completed Operations

Personal Injury & Advertising

 Injury: $10,000,000 any one person/organization and aggregate

Tenants’ Legal Liability: $10,000,000 any one premises

Medical Expense Limit: $50,000 any one person

Non-Owned Automobile Liability: $10,000,000 any one accident

Employee Benefits Liability: $5,000,000 per claim and aggregate

Forest Fire Expertise: $1,000,000 per occurance and aggregate
Deductibles:

Bodily Injury/Property Damage/Expense: $2,500

Employee Benefits: $2,500

Legal Liability for Damage to Hired Vehicles: $2,500

Deductible does not apply to expenses with respect to claims brought in the Province of Quebec as a result of bodily injury or property damage which occurred in Quebec.
Coverage Extensions:
  • Employee Benefits Liability

    Limited Pollution Liability (120 hour detection and reporting)

  • Forest Fire & Prairie Protection Expenses (limit $1,000,000)

  • Voluntary Compensation For Employees and Volunteers

  • Non-Owned Automobile Liability

  • Definition of Non-Owned Automobile broadened to include Non-Owned Motorized Snow Vehicles

  • World-wide Policy Territory

  • Participant to Participant Coverage

  • Personal Injury includes Humiliation and Discrimination

  • Employers Liability

  • Employees as Additional Insureds (including volunteers)

  • Tenant’s Legal Liability – “All Risks” basis

  • Cross Liability and Severability of Interest

  • Incidental Medical Malpractice Extension for Doctors/Physicians

THIS IS A SUMMARY OF COVERAGE ONLY.  THE TERMS AND CONDITIONS OF THE COMPLETE POLICY WILL GOVERN.

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CANADIAN SNOWSPORTS ASSOCIATION   www.canadiansnowsports.com

202 - 1451 West Broadway, Vancouver, BC V6H 1H6  Tel: (604) 734-6800, Fax: (604) 669-7954