1. Athlete Handbook
4. Insurance Documents
5. Concussion Education and Policy
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.