As part of your membership/registered participant fee to FHC, FHC buys and supplies the insurance to all members
What Is Liability Insurance?
We’ve all heard the phrase, “it’s all fun and games until someone gets hurt” – and unfortunately, injuries do occur when competing. When an injury occurs, it’s common for a lawsuit to follow, alleging negligence or liability on the part of the organization. Whether liable or not, these lawsuits need to be defended, and the General Liability policy will pay for these defense costs as well as any settlement or damages awarded.
Who is insured?
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.
This coverage is for an accident that occurs while you are playing or training. You will need to fill in and submit the Accident Claim Form within 30 days of the accident and get proof of Claim, such as a physician’s note within 90 days. Expenses for rehabilitation will last up to 52 weeks.
What is Covered?
Insureds participating in sanctioned or authorized events, including related training activity.
Arthur J. Gallagher Canada has a team of dedicated claim advocates to ensure a smooth and fair claims process.
General Liability Insurance
Limit – $5,000,000 Per Occurrence/No General Aggregate
A deductible of $1,000 applies to bodily injury, property damage and legal expenses.
Directors and Officers Insurance
Directors and officers may be sued for actual or alleged “wrongful acts” while performing their duties for the organization. D&O insurance will pay those sums the organization, directors and officers become legally obligated to pay as compensatory damages because of a wrongful act.
Limit – $2,000,000
Deductible – $1,000
WHAT IS SPORT ACCIDENT?
Sport Accident is a medical benefits policy made available to Field Hockey Canada and their members for injuries sustained during sanctioned or authorized activities. It is an excess policy that only pays after provincial health care or any extended health plan has been exhausted.
HOW DO I MAKE A CLAIM?
For each incident, a claim form must be filled out and signed by a club, league president, coach or manager. Claim forms can be obtained from Field Hockey Canada or a member provincial association, league or club. This must be accompanied by all other applicable documentation like receipts and doctor notes. Please note, the policy is a reimbursement policy, meaning claimants will need to pay for treatment themselves and then submit the claim for reimbursement.
The Claims form will need to be completed and signed (as per instructions on the claims form) and then the claim can be submitted directly to SRIM via email to: https://srim.ca/sports-accident-claims with all supporting documentation.
SUMMARY OF BENEFITS
Please note, the below is a summary of the benefits for reference purposes. In the event of a claim, the actual policy wordings, conditions, and limitations will apply. The claims process will be handled by a
claims adjuster and the ultimate decision to pay a claim is up to the insurance company.
The policy contains an aggregate limit of $2,000,000. FULL SUMMARY HERE.
This is not a problem if your event is sanctioned by the national/provincial sport governing body. For the clubs this would be handled via your provincial association and for the provincial associations by the national association.
It is understood and agreed that the insurance provided by the policy with respect to the playing or taking part in practicing or training for sports shall apply only to sanctioned events as described below:
“Sanctioned events shall mean all games, competitions or sports demonstrations run by you or by member clubs authorized by you including related training at sites of events and club premises. Authorization can either be by way of a written procedure manual or specific agreement in writing by your authorized executives.”
A roster including the full names of the players, date of departure, and date of return can be submitted to Field Hockey Canada to get a quote.
All Sport Insurance can provide additional insurance to host a special event – depending on the size of the event, venue, etc., an additional premium may be charged. It would be in the best interests of the association or club hosting the event to ask the participating out of country teams for proof of insurance.
If the event is sanctioned and the participants just want to try the sport out this should not be a problem re: insurance coverage – similar to clinics. For individuals that only wish to participate in one event per year or less it might be best to recommend a FHC associate membership fee to them or establish an association or club fee for these participants that involves insurance coverage but the costs are lower, e.g., non-league playing membership
The Canadian Centre for Ethics in Sport (CCES) is the custodian of the Canadian Anti-Doping Program (CADP); the set of rules that govern anti-doping in Canada. The CADP consists of several components such as in- and out-of-competition testing, education, medical exemptions, and the consequences of doping violations. The CADP is compliant with the World Anti-Doping Code and all international standards.
Click here to see the Canadian Anti-Doping Program.
Field Hockey Canada (FHC) has adopted the CADP which means that you can be confident that you are part of a world-class anti-doping program that is designed to protect athletes’ rights and ensure a level playing field. FHC’s anti-doping policy reflects and supports the CADP. Click here to read more.
While the CCES administers anti-doping for the Canadian sport community, you may also be subject to the rules of your international federation. Learn more about FIH’s anti-doping policies and procedures.
The CCES recommends that athletes take the following actions to ensure they don’t commit an inadvertent anti-doping rule violation:
Additional Resources and Information
For additional resources and more about anti-doping, please contact the CCES