Insurance Coverage

General Liability Policy Summary

  • Limit: $5,000,000 accidental Bodily Injury and Proprety Damage Allegations
  • Errors & Omissions Liability (Directors & Officers/Wrongful Acts) Limit: $1,000,000
    • Includes Provincial/District/Club Directors
    •  Please keep in mind that this section is for compensatory damage only.  It is NOT a full Directors and officers policy.  If member clubs are looking for this type of coverage are encouraged to purchase directors and officers coverage separately.
  • Protection extends to "Badminton Activities"
    • Abuse/Harrassment allegations are NOT defended
  • Insured: The Association & Affiliated Clubs/Teams, Officers, Directors, Coaches, Managers, Officials, members, Volunteers, & Employees
  • Additional Insured: Sponsors, Government Departments & Municipalities can be added as additionally insured at no extra cost
  • Participant coverage is included in addition to third party exposure
  • All appropriate riders included such as: Cross Liability, Non-owned Automobile, Tenants, Legal etc.
  • World Wide coverage for legal claims brought forth in Canada
  • Please keep in mind this type of coverage is a 3rd payer.  MSP and any extended benefits would pay first, only after all those have been exhausted would this coverage apply.

 

Sport Accident Policy Summary

  • Accidental Death and Dismemberment Limit: $10,000
  • Permanent Total Disability Limit: $20,000
  • Blanket Dental Accident Limit: $1,000
  • Physiotherapy Limit: $50 per visit with a maximum of $500 per accident

COVID-19 Exceptions

Badminton BC affiliated clubs would be covered under the following ministry act:

  • The Province of B.C.'s announcement extending liability protection to not-for-profit amateur sport organizations for damages resulting from exposure to COVID-19.
  •  For example, a sport organization or its representatives will not be liable for a participant in their sports program being exposed to COVID-19 as a result of participation. That liability protection would be in place as long as they follow applicable guidance, such as viaSport’s Return to Sport protocols and public-health guidance on how to prevent the spread of the virus. This guidance includes encouraging proper handwashing, regular disinfecting, limiting shared equipment, physical distancing measures and the use of wellness questionnaires and health self-assessment tools.
  • "We are thrilled that sport is making its return in the province. Today's announcement is welcome news for our partners in the amateur sport sector,” said Charlene Krepiakevich, CEO of viaSport. “This co-ordinated response to address concerns around volunteer and staff liability means that these not-for-profit organizations can focus on delivering safe, high-quality sport experiences for the people in their communities."

 

 

Description of coverage contained herein is not complete, and reference must be made to the actual terms and conditions of the applicable policy forms. In case of accident or incident, the incident or injury must be reported within 30 calendar days of the incident.

This is a simplified explanation of the Badminton BC Insurance Program. The insurance company is the final authority in the interpretation of the policies, which are subject to change without notice. If you have any questions, please contact Badminton BC at 604-385-3599.