Types Of Insurance Included In Membership

GENERAL LIABILITY

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. The policy will pay those sums that the insured becomes legally obligated to pay as compensatory damages because of bodily injury to or damage to property of others such as participants, spectators, the property of lessors, and others resulting from your operations only. Coverage includes your participants’ liability.

ACCIDENTAL DEATH & DISMEMBERMENT

AD&D insurance helps to ensure protection for a member and their family in the event of an accident that results in death or serious injury. The benefit amount that is paid will depend upon the type of injury. The more serious the injury or accident, the greater the payment will be. AD&D coverage is one more informed way to help ensure financial protection is available for registered participants and their loved ones.

PROVINCIAL UNION EXTENDED MEDICAL

Within the six provinces of British Columbia, Alberta, Saskatchewan, Manitoba, Nova Scotia and Prince Edward Island every player who is fully registered (i.e. purchased a membership and paid all associated member dues) is eligible to receive extended medical coverage within the respective policy years (May 1, 2020 to April 30, 2021 for AB, SK, MB, NS, PE and August 1, 2020 to August 31, 2021 for BC) through the National Insurance Program when an injury occurs in a sanctioned event or practice in the sport of rugby.

Coverage extends to covering the following benefits in excess of your government health care for accidental related injuries:

  • €276.54 of professional treatment (massage therapy via a RMT, physiotherapy, athletic therapy and chiropractic care)
  • €1382.71 in emergency dental work
  • Additional coverage for prescription drugs, casts, braces, etc (please refer to below brochure)

Brochures for 2020 extended medical coverage, for those provinces who offer this benefit, will be available soon.

TRAVEL MEDICAL

As of March 14th, 2020, there is no travel medical coverage in place for registered participants, due to COVID-19.

Registered participants of member organizations who receive sanctioning from their Provincial Union and Rugby Canada will receive worldwide Emergency Travel Medical coverage up to $1,000,000 per Insured Member per trip. The coverage provides protection for medical emergencies due to accident or sickness, which occur on approved, sanctioned tours and events outside the participant’s country of residence.

Expenses covered included emergency hospital and doctors’ visits (inpatient/outpatient), x-ray & diagnosis, and emergency evacuation etc. Coverage acts as the second payor to GHIP (Government Health Insurance Plan) and would respond in the event of a medical emergency situation due to accident or sickness.

DIRECTORS & OFFICERS

Directors and officers have a duty to exercise due diligence in overseeing the management of the organization that they serve. This involves 3 basic duties:

  1. Duty of Diligence (Duty of Care): Act reasonably, in good faith and in the organization’s best interest.
  2. Duty of Loyalty: Place the interest of the organization before your own.
  3. Duty of Obedience: Act within the scope of applicable by-laws.

The General Liability insurance policy put in place for the National Insurance Program provides only limited protection to directors or officers against any alleged wrongful acts. This type of policy usually protects against claims arising in the context of the organization’s operations.

Rugby Canada places directors and officers liability policy on behalf of its Directors and Officers, to help protect against claims arising out of board decisions or omissions, or out of actions or activities performed directly under the auspices of the board of directors.

If you are unsure if this applies to you and your role at a club or organizational board of directors, or if you have any additional questions regarding this coverage, please contact Rugby Canada.

Please contact Marsh Canada for more information and the procedure to initiate coverage. Please see below for contact details.