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Insurance

Are you covered?
All members of your organization, including members, executives, managers, coaches, trainers, officials, employees, and volunteers while acting within the scope of their duties on your behalf are covered.
What is covered?

In a nutshell, a full SPO Membership includes:

  • $5,000,000 general liability insurance coverage for all rostered players
  • $2,000,000 liability insurance coverage for all Members of the League Executive
  • Secondary accident and health insurance coverage for all Players
  • Liquor liability for League Banquets and Annual General Meetings
  • Activities covered include sanctioned or authorized events, including related training within your sports disciplin e
 

SPO Insurance Brochure

What is Liability Insurance?

Because no matter how careful you are, accidents happen. And you can be sued by anyone who claims injury or damages resulting from your activities. You may not be liable, but you will need to be defended in court. A liability policy will pay for this defence as well as any costs awarded against you. In short, liability insurance gives you peace of mind.

What is Municipality Insurance?
The standard General Liability policy carried by a Recreation Department or a Municipality, only covers the Recreation Department and its directors, officers and employees. It may or may not cover sports volunteers working directly on behalf of the Recreation Department. In addition, individual leagues using the facilities are definitely not covered!

Even if sports volunteers are covered under the Recreation Department's General Liability Policy, there may be limitations. For example, there may be no coverage for off-premises practices, games or non-sports outings.

As well, many General Liability policies carried by Municipal Recreation Departments have dangerous loopholes such as an Athletic Participants Exclusion, Punitive Damages Exclusion, and a Sex Abuse/Molestation Exclusion.

Please note that most Municipality insurance does not include the following coverages:
- Participant Coverage
- Participant to Participant Coverage
- Liquor Liability
- Accidental Death and Dismemberment Coverage
- Injuries

As well, you may have:
- High deductibles
- Difficulty in securing Certificates of Insurance
- No defence in the event of a lawsuit

This means that even though you have purchased a policy through the City or Town where you reside, you will not be covered should your Players be injured or you are sued!
 
I’m injured... What do I do?

1. Complete an Incident Report within 24 hours of the accident and email, fax or mail to Slo-Pitch Ontario. This can be completed by the League, Team or Player.

2. It is the responsibility of the insured to notify the SPO office of an injury and to request an Athletic Accident Claim Form within thirty (30) day of the accident.

3. The insured player or parent/guardian shall fully complete the Athletic Accident Claim Form.

4. For reimbursement of dental or medical claims, the insured shall have attended dentist, physician or family physician complete the applicable portion of the Claim Form.

5. The insured shall submit the completed Claim Form to their League Executive or team manager for their signed certification.

6. The insured shall be responsible to forward the completed Form, together with any receipts or estimates, to the SPO office for approval and processing to the insurance company.

7. Forward completed Claim Forms and receipts to the Slo-Pitch Ontario office be email or by mail to:
7-8 Hiscott Street, St Catharines, ON L2R 1C6.

8. The Group Policy Number will be added to the Claim Form by the SPO office prior to forwarding to the insurance company.

9. For claims requiring a specific report from a doctor, chiropractor, osteopath, etc., the insurance company will forward the necessary forms to you upon receipt of the completed Athletic Accident Claim Form.

10. The SPO office will forward all completed Claim Forms, along with receipts/estimates, to the insurance company. The insurance company will be in direct contact with the insured if anything further is required once the Claim Form has been received.

PLEASE NOTE: Some reimbursements have limits and/or caps. This is NOT a LOSS OF WAGE or INCOME POLICY.

For more information or assistance, please contact the SPO office by calling (905) 646-7773 or by email.