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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]
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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

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November 1, 2016-2019

SUMMARY OF

BLANKET DIRECTORS' & OFFICERS' LIABILITY COVERAGE

CSA AND NSO

  PDF version
  Word doc

Insured:

Covers the Named Entity below:

  • Canadian Snowsports Association;
  • Canadian Association for Disabled Skiing
  • Ski Jumping Canada;
  • Nordic Combined Ski Canada;
  • Alpine Canada Alpin (including Canadian Ski Coaches Federation);
  • 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 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.  This includes defense of employment practices and fiduciary liability claims.

Coverage:

  • Applies on a worldwide basis
  • Includes Spousal Coverage
  • Includes Extension Side A Coverage - $1,000,000 limit
  • Includes Cyber Security - $100,000 limit
  • 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
  • Defense costs are excess of policy limits
  • Insurers right & duty to defend.

Exclusions:

  • Bodily Injury, sickness, disease or death
  • Deliberate Acts, prior acts known to insured
  • Fraud or Criminal Acts by Insured

Group Policy Restriction:

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

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


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November 1, 2016-2019

SUMMARY OF

DIRECTORS' & OFFICERS' LIABILITY COVERAGE

FOR CLUBS & DIVISIONS

  PDF version
  Word doc

Insured:

Covers the Named Entity as described:

  • Divisions, Provincial Organizations and Member Clubs of CADS, SJC, NCC, CSF, CFSA, CSSA, TSCT, ACA, CCC and The Canadian Snowsports Association (WEL, WMSC, WSEG, DMNTCS, CSHFM,FSCF) 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.   This includes defense of employment practices and fiduciary liability claims.

Coverage:

  • Applies to claims brought within Canada (World-wide coverage is available if an ENTITY specifically requires it)
  • Includes Spousal Coverage
  • Includes Extension Side A Coverage - $1,000,000 limit
  • Includes Cyber Security - $100,000 limit
  • 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
  • Defense costs are excess of policy limits
  • Insurers right & duty to defend.

Exclusions:

  • Bodily Injury, sickness, disease or death
  • Deliberate Acts, prior acts known to insured
  • Fraud or Criminal Acts by Insured

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.

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


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July 1, 2017-2020

SUMMARY OF

GENERAL LIABILITY COVERAGE

  PDF version
  Word doc

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 CSA Disciplines and their Provincial Sport Organizations (PSO’s, Division, Regions, Zones, Member Association, and Member Clubs of, or under a Named Insured plus their individual directors & officers, employees, individual m embers and volunteers;
  • The Named Insured’s members and volunteers, 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, (as approved by CSA) 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 as approved by the CSA;
  • Coverage to Ski Areas for members activities shall be primary to any other insurance held by the ski area;
  • Includes Participant to Participant coverage (athlete – volunteer – official).
Limits of Liability: Each Occurrence Limit:    $15,000,000 No Aggregate Limit on Occurrences
  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 (includes volunteers)
  Forest Fire Expertise:    $1,000,000 per claim and aggregate
Deductibles: Bodily Injury/Property Damage/Expense:  $ 2,500
  Employee Benefits:     $ 2,500
  Legal Liability for Damage to Hired Vehicles:   $ 2,500
  As per Quebec Statute the 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.
Endorsements: End #1   Who is Insured
  End #2 Employee Benefits Liability Coverage
  End #3 Limited Pollution Liability Coverage
  End #4 Forest and Prairie Protection Acts Expense Endorsement
  End #5    Voluntary Compensation for Employees/Volunteers
  End #6 Non-Owned Auto Liability Coverage – 60 days maximum
  End #7   Non-Owned Auto Liability Snowboard Extension Coverage
  End #8 Elevator Collision Coverage
  End #9 Payment for Damage to Third-Party Property
  End #10  Additional Insured BFWCS
  End #11 Deductible Amendment – Expenses in Quebec
  End #12  Exemplary and/or Punitive Damages Exclusion
  End #13  Definition of Hired Automobile
  End #14   International Extension Endorsement – World-Wide Coverage
  End #15    Participation Risk Inclusion – covers Participant to Participant (including Officials)
  End #16    United States of America Jurisdiction
  End #17  Doctor and Physicians Professional Liability Extension for services to CSA Members
  End #18 Excess Automobile Third-Party Liability Bodily Injury & Property Damage – Specific Identified Vehicles
  End #19   Additional Insured – Canadian Ski Coaches Federation (CSCF) (non-ACA)

 

End #20 Exclusion Members of Quebec Alpine (SQA)

 

Note: This insurance does not apply to programs, events, athletes, coaches and volunteers falling under the CGL insurance covering SQA (Alpine Quebec).

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


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