This summary is intended to give an overview of the coverage provided to you through the Volleyball Canada National Insurance Policy. It is not intended to indicate the full conditions, terms or exclusion of the Policy.
Why Liability Insurance?
Because no matter how careful you are, accidents happen. And you can be sued by anyone who claims injury or damages resulting from your activities. You may not be liable, but you will need to be defended in court. A liability policy will pay for this defense as well as any costs awarded against you. In short, liability insurance gives you peace of mind.
Who is Insured?
Volleyball Alberta's Commercial Liability Policy and Sports Accident Policy covers our registered members (Officers, Directors, Coaches, Managers, Officials, Members, Volunteers and Employees) throughout the membership year (September 1 – August 31) but only while acting within the scope of their duties on behalf of Volleyball Canada; Volleyball Alberta and affiliated Clubs/Teams. Spectators are also covered under both the Commercial Liability Policy and Sports Accident Policy.
Recreational League Insurance
Members are covered while participating in Provincial and National sanctioned or approved events. These include competitive or recreational and related activities. (i.e Premier series, Provincial and National championships and Sanctioned tournaments, clinics, camps and social activities/awards banquet).
Parents and/or guardians are not covered under Volleyball Alberta's insurance policy, including automobile/accident insurance. Coaches or managers are covered – but they are only covered by liability insurance for acts that occur within the scope of their duties as a coach or manager. This does not include coaches or managers acting as drivers for athletes.
In order for all parties to be properly informed, Volleyball Alberta recommends the following:
- Teams travelling to and from tournaments should consider enlisting the services of a professional transportation company to avoid the possibility of personal liability in the event of an accident.
- Parents and/or guardians who are transporting other athletes to and from tournaments should check with their auto insurance provider to ensure this transportation is covered under their insurance policy.
- Parents and/or guardians who are transporting other athletes across an international border (even the Canada-USA border) are required to have a notarized consent letter from the athletes’ parents and/or guardians giving the driver permission to transport the athletes. See the Government of Canada’s information page for more details and a sample consent letter:http://travel.gc.ca/travelling/children/consent-letter
- Volleyball Alberta coaches and managers should not offer to take personal responsibility for driving athletes at any time.
- Parents and/or guardians who permit another parent and/or guardian to transport their athlete should equip the athlete with:
o Medical contact information including health card
o Emergency phone contacts
o Appropriate amount of food/money/clothing for the trip
o Passport (if required)
- Parents and/or guardians who permit another parent and/or guardian to transport their athlete should obtain from the driver:
o Proof of a clean driving record
o License plate number and make/model of the vehicle
o Emergency contact information
- Parents and/or guardians who are transporting other athletes retain personal responsibility for the safety and conduct of those athletes for the duration of the trip – including responsibility for getting the athletes to all games, team events, or practices – or until the athletes’ parents and/or guardians arrive to take personal responsibility for the athlete.
Volleyball Alberta recommends volleyball teams travelling to and from tournaments enlist the services of a professional transportation company to avoid the possibility of personal liability in the event of an accident.
Volleyball Alberta clubs (in good standing) wanting their event sanctioned (thereby ensuring Volleyball Alberta members participating in the event are covered under the Volleyball Alberta insurance plan) will be required to pay a $25 processing fee per event. Events can then be listed as SANCTIONED on our website and a Certificate of Insurance can be provided upon request. In order for Volleyball Alberta to sanction your event, the organizer must ensure that all participants be registered Volleyball Canada Members on the VRS. All other events will be listed as NON-Sanctioned and not covered under our Accident and Liability Plan.
If you would like to sanction your event, contact Julie at email@example.com with the following information (Event Name, division of play, category, Male/Female, dates, location, entry deadline, fee, contact information) and credit card number for payment.
Certificate of Insurance (COI)
Volleyball Alberta requires all clubs to register with Volleyball Alberta and Volleyball Canada prior to issuing Certificates of Insurance. We ask that the Club Contact/President of your club complete the online Volleyball Alberta 2015-16 Club Registration form. Once this form has been submitted and fees paid (Club President Membership role: $60.65), we will be able to verify this information and email you your club/team Certificate of Insurance for the 2015-2016 season.
Request for Certificates of Insurance should be directed to Julie at firstname.lastname@example.org. Please include all facilities that you might be using for training, game play or tournament. For schools we only need to know the school division not each school’s name AND the specific name of any private facilities.
Please submit your COI request using our online request form: Request for Certificates of Insurance
Commercial General Liability
Sport Accident Insurance
Sport Accident coverage applies within Canada only. Coverage extends to accidental bodily injury or death sustained by an Insured due to external violent, sudden, fortuitous causes beyond the Insured’s control, occurring while the insurance is in force while participating in sanctioned Association events.
**Travel Medical must be purchased for any out of country exposure.**
How long do I have to report a Sport Accident Claim?
You have up to 30 days to report a Sport Accident claim, but you should report as soon as possible by submitting the “Athlete Accident Claim Form” to either K & K Insurance or Bradley’s Commercial Insurance. You do not have to wait for all your receipts before submitting a claim. Once your claim file has been opened, any receipts can be submitted on an ongoing basis up to one year after the accident date.
If I have other insurance do I submit my receipts to that company first?
YES, any provincial health insurance or employee benefits insurance plan would be PRIMARY to the Association’s Sport Accident insurance. Therefore, you should submit your receipts to that plan first, but do complete and send the “Athlete Accident Claim Form” to either K & K Insurance or Bradley’s Commercial Insurance within the 30 days to have the claim registered. Question #10 on the form asks if there is any other insurance in force. This will indicate to K & K that the balance of the receipts not paid by the primary insurer will be forwarded once all other insurance is exhausted.
How long can I claim medical expenses for a sport accident injury?
Up to one year from the date of accident.
CLAIMS HANDLING PROCEDURES
In the unfortunate event of a serious injury or Statement of claim please submit immediately an incident report and any legal documents obtained to:
Sport Accident Claims
In the unfortunate event of a Sport Accident injury please complete the Athlete Accident Claim Form and submit along with the Physician’s report (if provided) within 30 days after the accident to:
Volleyball Alberta Athlete Accident Claim Form PDF (return to Julie email@example.com)