Sports and Leisure

COMMERCIAL GENERAL LIABILITY

Protects your sport or leisure organization from various risks such as accidental third party bodily injury, third-party property damage, errors and omissions or any other risk that could jeopardize your business and for which you could be held liable.

ACCIDENT POLICY

Provides medical coverage to participants to cover the cost of physical or psychological injuries in an accident. It allows participants who are victims of permanent injuries to receive compensation for injuries and for paramedical expenses.

DIRECTORS AND OFFICERS LIABILITY AND EXECUTIVE RISKS

Running a sports organization involves making management decisions. Whether you are acting as a GM, coach, league official etc, your decisions can be challenged by players, parents, other teams, other leagues etc leading to potentially costly litigation. A D&O policy protects you, your sports organization and its coffers from management related litigation.

SEXUAL AND MOLESTATION LIABILITY

Defends your organization against a civil lawsuit when allegations arise regarding sexual misconduct or molestation.

EVENT CANCELLATION

Provides coverage for financial losses or costs related to the cancellation of an event. Whether it is unfavourable weather conditions, an accident, a power outage or a terrorist act, many unforeseeable circumstances beyond your control may lead to the cancellation of an event.

TRAVEL INSURANCE/OUT OF COUNTRY MEDICAL

Gives you peace of mind when you travel with your team. Several policy options are available so you get the coverage you need: single or multi-trip emergency medical travel insurance or all-inclusive travel insurance that includes emergency medical, trip cancellation/interruption, and delay or baggage loss.

PROPERTY

Protects the physical property and equipment of your organization against loss from theft, fire or other insured perils. It includes policies such as homeowners, renters, flood and earthquake insurance.

CYBER RISK

Protects you and your company from threats to your digital communications and essential customer information datasets. No organization today is immune from cyber risks. Your supply chain integration, e-commerce pipelines, and datasets and networks are all vulnerable.

Cyber Risk insurance includes:

• Information Security and Privacy
• Privacy Notification Costs
• Regulatory Defence and Penalties
• Website Content Liability

CRIME

Protects you from extortion, forgery and all forms of theft. Employee fraud or misappropriation of funds can happen and is often hard to detect. Some cases are discovered shortly after they occur (break-ins), while others can take a long time to surface (embezzlement) and be very costly.

INJURY TO PARTICIPANTS

Covers your participants in the event of accidental injury while playing sports or engaged in leisure activities. It can act as a supplement to your organization’s general liability insurance policy and your participants’ liability insurance. It will also protect your organization from potential litigation.

PARTICIPANTS TO PARTICIPANTS

Covers your participants in the event of accidental collisions, incidents or injuries involving one or more people from an opposing team. This coverage helps protect your participants in the event of liability in an accident involving a third party. In this case, litigation between participants would also be covered.