Sport Accident & Liability Insurance
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. A copy of our insurance is located in the Appendix of our Operational Manual which is located at Volleyball PEI.
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 Insurance 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 the Volleyball PEI
cgcrozier@sportpei.pe.ca who will then forward to Brokerlink Inc. Insurance to have your claim registered and to open your claim file. By opening a claim early, it enables Brokerlink Inc. 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 Volleyball PEI
cgcrozier@sportpei.pe.ca within 180 days to have the claim registered and forwarded to our insurance department – Brokerlink Inc. 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.
Sport Accident Claims - "Claims Handling Procedures"
Instructions for completing the accident insurance form. To the Injured person/parent/guardian:
In the unfortunate event of a Sport Accident injury please complete section 1 and section 2 of the “Athlete Accident Claim Form” and submit it along with the Physician’s report (if provided) within 30 days after the accident to Volleyball PEI via cgcrozier@sportpei.pe.ca. Once
approved your claim will be forwarded to BrokerLink Inc. and K&K Insurance Group Canada. Please 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.
Step 1:
Submit to Volleyball PEI
Volleyball PEI
Cheryl Crozier
Executive Director
E: cgcrozier@sportpei.pe.ca
T: 902-569-0583
40 Enman Cres,
Charlottetown, PEI
C1E 1E6 |
Step 2:
Volleyball PEI will submit to:
BrokerLink Inc.
David Sim,
RIB (Ont.) CAIB, BBA, Commercial Account Executive
E: dsim@brokerlink.ca
T: 613.836.1759 ext. 88364
1469 Main Street,
Stittsville, ON K2S1B3 |
Step 3:
BrokerLink Inc. will submit to:
K&K INSURANCE GROUP CANADA
Claims Department
E: kk_canada@kandkcanada.com
T: (800) 753-2632
Fax (905) 602-9141
5800 Explorer Drive, Suite 101,
Mississauga, Ontario Canada L4W 5K9 |
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 PEI'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 PEI and affiliated Clubs/Teams. Spectators are also covered under both the Commercial Liability Policy and Sports Accident Policy.
Activities Covered
Members are covered while participating in Provincial and National sanctioned or approved events. These may include competitive or recreational and related activities. (i.e. Provincial and National championships and Sanctioned tournaments, clinics, camps and social activities/awards banquet).
Sanctioned Events
Volleyball PEI clubs (in good standing) wanting their event sanctioned (thereby ensuring Volleyball PEI members participating in the event are covered under the Volleyball PEI insurance plan) will be required to pay a $25 fee to sanction their clubs. These club events can then be listed as SANCTIONED on our website and a Certificate of Insurance can be provided upon request. In order for Volleyball PEI 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 are not covered under our Accident and Liability Plan.
Certificate of Insurance (COI)
Volleyball PEI requires all clubs and leagues to register with Volleyball PEI and Volleyball Canada prior to issuing Certificates of Insurance. We ask that the Club Contact/President of your club complete the online Volleyball PEI 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.
Summary of Coverage
| Coverage |
| Commercial General Liability Limit |
$5,000,000 |
| Excess Liability |
$10,000,000 |
| Annual Aggregate (Products & Completed Operations) |
$15,000,000 |
| Personal Injury |
$15,000,000 |
| Advertising Injury Limit |
$5,000,000 |
| Limited Abuse Liability |
$1,000,000 |
| Medical Payments (Per Person) |
$2,500 |
| Tenants Legal Liability |
$5,000,000 |
| Non-Owned automobile - SPF#6 (Liability) |
$5,000,000 |
| Legal Liability for Damage to Hired Automobile |
$50,000 |
| Employee Benefit Liability |
$1,000,000 |
| This Quote is Subject to: |
| Each Occurence Deductible |
$1,000 |
| Tenants Legal Liability Deductible |
$1,000 |
| Director's and Officers Liability (Wrongful Acts) |
$5,000,000 |
| Employment Practices Liability |
$5,000,000 |
| Participants Sport Accident Coverage |
$2,000,000 Aggregate |
| Including: |
| a) Accident Death & Dismemberment |
i) Dentures, Hearing Aids |
| b) Accident Dental Expense |
j) Eye Glasses & Contact Lens Expense |
| c) Fracture Indemnity |
k) Special Treatment Travel Expense |
| d) Repatriation Benefit |
l) Rehabilitation Benefit |
| e) Family Transportation Benefit |
m) Babysitting |
| f) Emergency Transportation |
n) Tuition benefit |
| g) Out of Province Excess Medical |
o) Part Time Youth Wage Loss |
| h) Home Alteration and/or Vehicle Modification Benefit |
p) Prosthetic Appliances |
* 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)
Liability Claims
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 Volleyball PEI at
cgcrozier@sportpei.pe.ca and if approved your claim will be forwarded to:
BrokerLink Inc.
David Sim, RIB (Ont.) CAIB, BBA
Commercial Account Executive| BrokerLink
T: 613.836.1759 ext. 88364 | dsim@brokerlink.ca
Brokerlink Inc. | 1469 Main Street, Stittsville, ON K2S1B3
Visit us online: BrokerLink.ca |