What is Commercial General Liability Insurance?
Designed to protect a person against legal responsibility arising out of a negligent
act or failure to act as a prudent person would have acted to which results in bodily injury or property damage to
another party. Any individual in your activity can claim damages as a result of an injury. Even though you may not
be negligent in your actions, defense costs alone can be financially devastating. The policy will provide
protection for both legal defense costs and any compensatory damages that may be awarded, subject to the limits and
conditions of the policy, transferring your risk to an insurance policy provides you the opportunity to run your
activity with peace of mind.
What activities are covered?
All sanctioned and
approved cycling activities. All activities must be documented and approved by the Provincial
Association, Club President or
Executive or NCCP certified Coach. If you require further clarification contact your Provincial / Territorial
The following provincial
/ territorial associations are included in the program:
Bicycle Newfoundland & Labrador
Bicycle Nova Scotia
Cycling Association of Yukon
Manitoba Cycling Association
Ontario Cycling Association
Saskatchewan Cycling Association
Velo New Brunswick
Who is an insured?
volunteers, officers, directors, coaches, managers, instructors, officials, affiliated clubs, and or teams,
members. Also municipalities, government departments, sponsors and organizers but only as it relates to their
involvement in a sanctioned event.
Description of Coverage
Limits of Liability
$5,000,000 per Occurrence
Bodily Injury and Property Damage
$5,000,000 Products and
Completed operations aggregate limit
$1,000,000 Abuse Liability
$1,000,000 Forest Fighting
$2,000,000 Tenant's Legal
$5,000,000 Personal Injury
and Advertising Injury Liability
$10,000 Medical Payments -
any one person I any one accident
$1,000,000 Errors & Omissions Liability
Examples of situations to which the liability policy would normally
- Suits by spectators and/or other non-participants should they suffer injury caused by negligence of any
- Suits by participants, coaches, officials, etc. against any insured
- Use of rented premises for practices, meetings or events
Worldwide territory - suits brought within
Canada and United States
Club Sanctioning Endorsement
What are the main exclusions?
War I Terrorism
Fungi & Fungal
Total asbestos Absolute Pollution
Punitive and Exemplary
Freestyle / Aerials /
Stunts (to be referred)*
Track Construction (to
Host Liquor (to be
Fédération Québécoise des Sports Cyclistes
*Note: These can be referred to Holman and coverage can be arranged on an individual
When and where am I covered?
members are covered whilst participating at an approved event or activity including direct travel to and from
any venue for the purposes of participating in the event.
covered whilst training?
covered whilst under the instruction of NCCP certified Coach for training purposes as this is an approved
Click here --> for Definitions
What is the Deductible?
$500 per occurrence for bodily injury or property
$1,000 Non-Owned Auto, Tenants Legal liability or Employee
Does the policy provide
24 hour coverage?
No. Coverage is to and from the activity or event. Coverage is
provided only while participating in Club acitivites, training programs, sanctioned events, competition and
traveling to and from the program which is approved by and under the supervision of proper authority of the
Is a member covered if
they train on their own time?
No. Coverage does not apply to
training without the PRIOR written consent of the Provincial / Territorial Association, Club or NCCP
Is a member covered if
they train under the supervison of a NCCP certifed coach?
Yes you are covered provided you are following a written and approved CC training program signed by the NCCP
certified coach? If a NCCP certified coach is not available you must have your Provincial
/ Territorial affliate or CC approval.
What are NCCP certified Coaches covered for?
As a NCCP certified coach you are covered for Liability, Profressional Liability and even sexual abuse claims made
against you for the liabilities to third parties (including club members) that you instructed. Optional coverage is
available for outsite of sanctioned activities if an individual Coach, Instructor & Trainer policy is
purchased. Click here for further details.
What does abuse coverage protect me
This provides "occurence form"
coverage against damages a club member becomes legally obligated to pay as a result of a liability loss arising out
of any actual or threatened abuse, molestation or harassment whether it is physical or mental.
What do I do in the event of an accident and how do I make a
A claim form will need to be
completed and submitted as soon as possible,
· Contact Holman Insurance Brokers
Ltd. 1-800-567-1279 x 1235 OR
· Your provincial association to obtain
a claim form
After hours please call Gameday’s 24 hour phone
Note: The declaration on the
claim form needs to be signed by a Club
Once you have completed your
claim form, forward to your provincial body along with all original receipts
(unless retained by your provincial health fund) and they will forward to Holman Insurance Brokers Ltd.
on your behalf.
summary does not in and of itself provide coverage and it is subject to the terms and conditions which are
set forth in the policy. It is intended only to provide basic details of coverage that are fully described in
the actual Policy issued. In the event of any inconsistency, the actual policy will prevail. Questions about
the Policy can be directed to Holman Insurance Brokers Ltd.