Cycling Canada

National Insurance      Program  




Key Defintions 

Bodily Injury:  

Means bodily injury, sickness or disease sustained by a person, including death resulting from any of these at any time. 


Participant Liability 

This coverage responds to and defends the insured in a lawsuit being made 

against an insured by a participant in a sanctioned event and/or approved activity.


Property Damage:



Liability for damage to property of others including loss of use.

Personal Injury:


Injury other than bodily injury arising out of:


(a)           False arrest, detention or imprisonment

(b)           Malicious prosecution

(c)            Wrongful entry into, or eviction of a person from a           room, dwelling or premises that the person occupies

(d)    Oral or written publication of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services

(e)           Oral or written publication of material that violates a person's right of privacy.



Advertising Injury:



Injury arising out of libel, slander, defamation, infringement of copyright, title or

slogan, piracy, unfair competition, idea misappropriation or invasion of rights of privacy as it relates to any advertisement, publicity article, broadcast or telecast.


Incidential Medical Malpractice:


The rendering of or the failure to render necessary first aid any insured person who is not in the business or occupation of providing health care professional services.


Blanket Contractual:

Provides coverage for claims arising out of liability that has been assumed by the

insured under an insured contract.


Tenants Legal Liability:


Liability resulting from damage to premises that is leased, loaned or occupied by



Non-Owned Automobile:

Legal liability arising out of the operation of non-owned vehicles used in the

Insured's business.


Medical Payments: 


Provides payments to third parties for their medical expenses regardless of fault. 


Non Members Exclusion Endorsement: 

It is understood and agreed that such insurance afforded by this policy shall not 

apply to any liability either real or alleged by any participant who is a non 

member except when an activity with non members participating has been reported on the approved commercial application and a premium is charged. 


This exclusion does not apply to non members participating in club rides as approved by and reported to the Provincial Territorial Association. Applicable to one day tryouts only. 




Club Sanctioning Endorsement:

It is hereby understood and agreed that coverage is only applicable to sanctioned events and/or approved activities involving the insured.                                          

A sanctioned event is defined as an organized group ride which is documented prior to the date of the event and on file with the respective insured Provincial Territorial Association. Lists of individual members participating in the ride must be on file with the insured.

Events organized and conducted by an individual member does not automatically constitute a sanctioned event. An executive of a member club or an executive of the governing body will be required to provide sanctioning approval prior to the event taking place.


Failure to obtain sanctioning approval or failure to document the sanctioned event may result in a breach of coverage.

It is further understood and agreed that the insurer shall not have any duty to defend any individual member for any suit arising as a result of a non sanctioned event or improperly documented sanctioned event.