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 defence 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 (Athletes, Board Members, Coaches, Managers, Referees, Staff & Volunteers) 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.
Members are covered while participating in Provincial and National sanctioned or approved events. These may 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).
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 firstname.lastname@example.org 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 and leagues 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 Club President Registration form. Once this form has been submitted and fees paid (Club President Membership role), we will be able to verify this information and email you your club/league Certificate of Insurance for the season.
Please submit your COI request using our online request form: Request for Certificates of Insurance
Summary of Coverage
* There is a communicable disease/virus exclusion rider on the policy - no coverage is granted for any disease/virus claims.
* A club should seek additional insurance (monoline property policy) if they have property they want coverage for (i.e. owned premises, equipment)
In the unfortunate event of a serious injury or Statement of a claim please submit immediately an incident report and any legal documents obtained to Julie, VA Office Admin email@example.com first and if approved your claim will be forwarded to:
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 180 days to report a Sport Accident claim, but you should report as soon as possible by submitting the “Athlete Accident Claim Form” to Julie, VA Office Admin firstname.lastname@example.org who will then forward to Bradley’s Commercial Insurance to have your claim registered and to open your claim file. By opening a claim early, it enables Bradley's to start their process and have the claim noted to ensure our coverage will respond when/if needed. 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 Julie, VA Office Admin email@example.com within 180 days to have the claim registered and forwarded to our insurance department – Bradley’s Commercial Insurance claims handling department. 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 the accident.
CLAIMS HANDLING PROCEDURES
Instructions for completing the accident insurance form. To the Injured person/parent/guardian:
Complete section 1 and section 2 of this claim form “Athlete Accident Claim Form”. Attach current itemized physician, hospital, or other provider’s bills for accident medical expenses as well as the primary carrier’s explanation of benefit showing their payment and denial. These bills must show the patient’s name, condition (diagnosis), type of treatment given, date the expense was incurred, and the charges made. Please note: Claim forms will be returned if not fully completed and signed. The omission of vital information will cause a delay in claim processing.
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 Julie, VA Office Admin firstname.lastname@example.org first and if approved your claim will be forwarded to:
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.
Recreational League Insurance (Adult Rec Leagues & Youth Rec Leagues)
Do you need insurance coverage for your Recreational Volleyball League?
1. Email your insurance request to Julie: email@example.com
2. If you require a certificate of insurance (COI), please submit your COI request using our online request form: Request for Certificates of Insurance
- Volleyball Alberta does not collect any additional league registration fees.
- The Organizer must register as a Club President, $118.15 (tax included).
- For participants, the membership requirement to be covered while participating in a Volleyball Alberta or Volleyball Alberta affiliated club Recreational Program/League for the 2020-2021 season is the $15.50 Recreational Membership role.
- Youth Player - Recreational Player, $15.50 (tax included)
- Adult Player - Recreational Player, $15.50 (tax included)
- Coach - Recreational Program, $15.50 (tax included)
- Club Volunteers, $10.50
- The Recreational Player membership role is an [upgradable membership type]. Meaning that you only need to pay your Rec. Role once during our membership year.
Ex. If you purchase your 2021 Adult Player Recreational Membership on September 7th 2020, this membership will be valid from September 7th, 2020 to August 31, 2021 [date of purchase to our membership year-end]. If you choose to participate in the ABC Adult League (sanctioned by Volleyball Alberta for insurance coverage), show them a copy of your VRS-GOALLINE paid membership registration confirmation receipt (sent to you by email) and your $15.50 will be discounted to them when adding you to their Volleyball Alberta VRS-Goalline ABC league roster. This same paid membership registration confirmation receipt will also be valid if you choose to participate in XYZ’s Adult League (also sanctioned by Volleyball Alberta for insurance coverage), and any other Volleyball Alberta affiliated program, league or event. Please note that some events require players to upgrade their membership to the competitive player membership type and in that scenario the Rec. Role price will be discounted from the total amount due.
4. How to Register:
- All of our membership, program and event registrations on done online on the Volleyball Alberta VRS-Goalline site.
OPTION 1: Organizer asks all coaches and players to purchase their VA/VC membership on their own prior to their first day of participation and have them show the league organizer a copy of their paid receipt - Goalline registration confirmation email
Links to redirect your coaches/players to purchase their individual membership registration:
OPTION 2: Leagues may include the Recreational Player membership fee in their league fees and pay the player’s membership on their behalf when entering them in their VRS-Goalline program registration form. Either way, the individual will receive a registration confirmation email with their access code (password to login to their personal VRS-Goalline profile) and manage their membership and future registrations after the league has paid the fees on their behalf. The decision to choose OPTION 1 or OPTION 2 is a decision that the League Administrator needs to make when planning their new league year. [A registered member in good standing is a covered member while acting within the scope of their duties on behalf of the Named Insured]
The League Organizer must register its participants on the appropriate 'Recreational Program Registration Form' and complete all of the registration requirements. The registration requirements are listed on the program registration form, Program Information section.
2021 YOUTH RECREATIONAL PROGRAM REGISTRATION FORM (link coming soon!)
- The organizer must complete the: 2021 Club President Registration
- Complete your membership consent forms package (waivers), and make sure all your participants have completed theirs also
- Complete your screening requirements and make sure all your coaches and program staff have completed theirs also
- Complete your Safe Sport Training and make sure all your coaches and program staff have completed theirs also
- Return to the Program Registration Form to register your coaches & players as many times as needed
- For additional information on “How long do I have to report a Sports Accident Claim?”, “If I have other insurance do I submit my receipts to that company first?”, a breakdown of our Commercial General Liability coverage, our “Athlete Accident Claim Form”, and more, please refer to the above information.
QUESTIONS? CONTACT JULIE firstname.lastname@example.org