Insurance Coverage

Coverage Summaries

Insurance Provider: Gameday Insurance (Aviva Insurance Company of Canada)

Broker: EQUA Specialty Risk Partners Corporation

Policy Period: June 30, 2021 – June 30, 2022

Summary Chart (further details below)

Insurance Policy

Limits and details

General Liability

$10 M per occurrence (Excess Coverage forthcoming) expected $10 M per occurrence.

$2,500 Deductible (Property Damage and Bodily Injury).

$1 M sub limit on Abuse Claims.

$2 M sub limit on Tenants Legal Liability.

Directors and Officers

$3 M per occurrence (GBC Only – coverage is not provided to Member Clubs)

Sport Accident

Varied coverage limits based on specific treatments and injuries.

Trampoline Coverage

$10 M per occurrence for Competitive programs.

$10 M per occurrence for Recreational Trampoline programs.

$2,500 Deductible (Bodily Injury).

Coverage Details

General Liability Policy

Commercial General Liability (CGL) Policy

GBC’s general liability insurance policy protects member clubs and their registered members in the event of a lawsuit. A lawsuit may result from negligence for bodily injury to participants, spectators and other members of the public or to damage to third party property, arising out of GBC-sanctioned activities. The primary general liability insurance provides coverage up to $10 M per occurrence. The policy will pay the legally obligated settlement or judgment against the insured for compensatory damages in the event of a lawsuit. This coverage also includes legal liability for injury to participants. This policy covers all members of the club, including: executives, managers, coaches, trainers, officials, employees and volunteers who were acting within the scope of their duties on behalf of the member club.

Updates:

  • During the 2020/2021 policy period, GBC’s coverage limit has been maintained at $10 M per occurrence
    • This $10 M limit does not apply to abuse claims (limit is $1 M per occurrence)
  • The deductible to access the general liability policy is $2,500.
    • This cost is to be paid by clubs in the event of a CGL claim. The deductible is paid after the claims process is complete, in many cases years after the policy period ends.
  • Tenants Legal Liability sub limit of $2 M. Tenants Legal Liability coverage is for people or organizations who rent space (businesses occupying buildings) that may cause an accident resulting in property damage. The property owner(s) may hold the tenant liable for the damages. If the tenant has tenant’s legal liability coverage, he or she will be protected from those claims.
  • Last year, GBC had very specific trampoline sub limits on coverage that totaled $500,000 per claim and $1 Million is aggregate coverage. This year, GBC has no limits on trampoline coverage. Recreational trampoline programming is covered to a limit of $10 Million, like any other Bodily Injury claim.

Last year, GBC had a $3 Million sub limit on Abuse coverage, and now the sub limit is $1 Million. GBC’s staff and board of directors did a thorough risk assessment when determining how to balance the cost of the premium, and managing the many types of risk and coverage that GBC requires.

Directors and Officers (D&O) Policy

This insurance provides the Insured with coverage for claims made as a result of the Insured Party’s wrongful acts including any negligent acts, errors or omissions committed in their insured capacity as a Director, Officer, or trustee, as well as any other matter claimed against them solely by reason of their serving in such insured capacity. This coverage includes Employment Practices Liability Coverage.

Updates:

  • Limits for GBC’s D&O policy is $3 M, which does not extend to member clubs.
  • GBC member clubs have access to $3 M of Errors and Omissions/Wrongful Acts coverage as a part of the General Liability policy that does not include coverage for Employment Practices Liability.
  • GBC member clubs can obtain this coverage by contacting GBC’s Safety Officer Nathan Kindrachuk.

Sport Accident Policy

All individuals registered with Gymnastics BC receive coverage for accidents occurring during classes, practice and competition. This includes participants, coaches, judges, facilitators and supporters. Accident insurance only provides coverage in situations where an injury takes place as a result of an accident during a sanctioned gymnastic activity.

GBC’s Sport Accident Policy is excess coverage only and does not provide primary medical insurance. It applies over and above coverage provided by government (BC Medical Services Plan – MSP) whether the Insured is enrolled in such a plan or not.

Clubs have a responsibility to report incidents as soon as they happen. These reports will be essential in the event of an insurance claim. GBC’s incident reporting and accident claim processes are available on the GBC website. If you have questions, please contact GBC’s Safety Officer, Nathan Kindrachuk

Trampoline Device Limitations

On July 1, 2019, new gymnastics insurance requirements came into effect in BC, and will remain in effect indefinitely. These trampoline limitations have resulted in fewer injuries, a safer environment and less insurance claims. The limitations listed below remain in effect:

  • Trampoline devices are considered to be any apparatus that has any form of bed-type surface, attached to a frame by springs; this includes, but is not limited to: competition trampolines, backyard trampolines, mini- trampolines, double-mini-trampolines and tumble-tracks.
  • Trampoline devices may not be used in birthday parties, drop-in sessions, and/or drop-in day camps. Cheerleading and parkour programming are not permitted to include use of trampoline devices, even if presented as a structured recreation program, (considered regularly-scheduled programs over multiple weeks that teach progressive skill development).
  • A user group (such as skiers, hockey players, divers, etc.) which intends to rent a member club facility in order to conduct cross-training activities must request permission from GBC to do so. Additionally, that user group must complete the Request for User Group to Conduct Cross-Training Activities, and provide their own coaches. The user group must also provide proof of $5 M liability and list Gymnastics BC and the member club as additional insured. The member club must then submit the user group request to GBC prior to the first training and provide a ‘gym attendant’. GBC member club coaches are not permitted to deliver any instruction during facility rentals.
  • Structured recreational programs are defined as regularly-scheduled programs occurring over multiple weeks or multiple days in one week that teach progressive skill development. The use of the CanJump program is mandatory for all programming on trampoline devices.

Coaching Requirements (also review the table on the next page)

  • Competitive Trampoline Gymnastics Activities: a coach must be NCCP Level 2 Trampoline or higher (or Competition 1 Trampoline or higher) Certified providing direct coaching (one-on-one) to a competitive member. The insurance coverage for Competitive and Interclub participants comes with $10 M per occurrence.
  • Structured Recreational and Camp Trampoline Activities (use of CanJump mandatory): a coach must be: NCCP Gymnastics Foundations Trampoline Trained indirectly supervised by an Artistic Competition 1 (or Artistic Level 2) Certified coach (or higher) or by a NCCP Trampoline Level 2 (or Competition 1) Certified coach (or higher). The supervising coaches may coach their own group while supervising, but they must be aware and able to observe the supervised groups (coach and participants) on the trampoline devices. The insurance coverage for recreational participants comes with $10 M per occurrence.
  • Competitive Artistic Trampoline Activity: a coach must be NCCP Artistic Competition 1 Certified or higher (or Artistic Level 2 or higher), providing direct coaching (one-on-one) to a competitive artistic member.

Who Can Coach on Trampoline?

Coaches requirements for Trampoline Athletes:

Activity / Program

Minimum NCCP Level required providing Direct Coaching (one-on-one)

Indirect supervision by:

Competitive Trampoline

(Level 1 to Senior)

NCCP Level 2 (Competition 1) Trampoline Certified – or higher

n/a

Interclub Trampoline

(CanJump 1-12)

NCCP Level 2 (Competition 1) Trampoline Certified – or higher

n/a

Structured Recreational and Camp Trampoline Activities

(CanJump 1-4 only)

No inversion allowed

NCCP GF Trampoline trained, must be supervised

NCCP Level 2 Trampoline Certified or Competition 1 Trampoline Certified – or higher

The supervising coaches may coach their own group while supervising, but they must be aware and able to observe the supervised groups (coach and participants) on the trampoline devices

 

Coaching requirements for Artistic Athlete: 

Activity / Program

Minimum NCCP Level required providing Direct Coaching (one-on-one)

Indirect supervision by:

Competitive Artistic

NCCP Competition 1 Artistic (or Level 2 Artistic) Certified or higher (mandatory)

NCCP GF Trampoline Trained (recommended)

n/a

Recreational

Artistic Interclub

 

Must use CanJump, Levels 1-4 only

No inversion allowed

 

NCCP Competition 1 Artistic (or Level 2 Artistic) Certified or higher (mandatory)

NCCP GF Trampoline Trained (recommended) or

n/a

NCCP GF Trampoline Trained, if supervised

NCCP Level 2 Trampoline Certified or Competition 1 Artistic Certified – or higher

The supervising coaches may coach their own group while supervising, but they must be aware and able to observe the supervised groups (coach and participants) on the trampoline devices

 

OTHER PROGRAMS:

  • Parkour / Cheerleading – use of trampoline devices is NOT permitted
  • Public Access Program (birthday parties, field trips, drop-ins, etc.) – use of trampoline devices is NOT permitted

Insurance Coverage FAQ’s

GBC’s insurance broker is EQUA Specialty Risk Partners Corporation.

GBC’s insurance company is Gameday Insurance (Aviva Insurance Company of Canada) 

Incident reports for individuals who are under the age of 19 should be kept until the individual is 21. Incident reports for individuals who are 19 or older must be kept for 7 years.

Forward a copy of the letter to GBC`s Safety Officer immediately so it can be sent to the insurance company.

Yes, the GBC insurance policy allows clubs to participate in activities outside of the club, including mall displays, parades, performances, demonstrations, hosted competitions, awards banquets, and fundraising activities, etc. Please make a request to obtain a certificate of insurance at least 14 days prior to the activity.

No, GBC’s insurance policy does not include property coverage. If your member club would like to obtain property coverage, please contact GBC`s Safety Officer.

No, GBC’s insurance policy does not include travel medical insurance. Please ensure you have an appropriate travel medical policy in place before you travel.

Programming Activity

GBC Coverage 2020/2021

Women’s Artistic Gymnastics (Competitive)

Covered

Men’s Artistic Gymnastics (Competitive)

Covered

Trampoline Gymnastics (including Tumbling and DMT) (Competitive)

Covered

Interclub Artistic and Trampoline Gymnastics (Competitive)

Covered

Acrobatic Gymnastics (Competitive)

Covered

Recreational Artistic Gymnastics:

·       Active Start, School Age, Teen

·       Adult Gymnastics

·       Adaptive/Inclusive Programs 

·       Recreational Parkour

·       Performance Gymnastics (commonly known as “Gymnaestrada“)

·       Recreational Cheerleading

·       Recreational Acrobatic Gymnastics

Covered

Indoor Parkour:
Class curriculum must be limited to the WFPF Levels 1 + 2 course content and supported by NCCP Foundations and Competition 1 Artistic content

Covered (no coverage for trampoline activities)

Outdoor Parkour

Not covered

Aerials (Silks, Hoops, Static Trapeze, Cord, Hammock, Self-Made Apparatuses etc.)

Not covered

Circus Arts (Chinese Pole, Teeter Board, Chinese Hoops, tight wire, contortion, juggling, etc.)

Not covered

Birthday Parties, field trips, etc.Covered (no coverage for trampoline activities)
  

Sleepovers are considered non-gymnastics activities and are not covered or allowed under GBC’s insurance policy. Sleepovers can put athletes, coaches, and other participants in vulnerable positions that make it very difficult to follow Safe Sport guidelines.

Reasonable low-risk camp activities are covered as long as all participants are registered and are performing these activities with a GBC-registered coach.

Low-risk camp activities include arts and crafts, going to the park, or other low risk seasonal sport-related activities at an introductory level such as soccer, basketball, tag games, etc.

Non-gymnastics activities of high risk are not covered and require additional insurance coverage or approval by EQUA.

High-risk activities include rock or wall climbing, swimming, diving, football, roller-blading, wake boarding, snowboarding, and more.

If you are unsure if an activity is covered, assume the activity is not covered and follow-up by contacting GBC for approval or add insurance coverage from EQUA.

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