Insurance for Instructors & Coaches
One of the benefits of membership in Cycling BC for coaches and instructors is liability insurance coverage for coaching activities.
In order to take advantage of this coverage, the following conditions must be met:
- Be Trained or Certified as a Cycling Coach or Learn to Ride Instructor
- Maintain an annual Cycling BC technical license with the relevant coach or instructor credentials, one of
- Trained for the cycling discipline in question
- Certified for the cycling discipline in question
- Ensure that all participants being coached or instructed are covered by the Cycling BC insurance policy, through one of the following means:
- The participant(s) hold a valid racing license (UCI or citizen license) for the current year; or,
- The participant(s) are taking part in a club activity lead by the coach or instructor and are members of the club hosting the event; or,
- The participant(s) are taking part in an activity for which Cycling BC’s commercial event insurance policy has been purchased, which extends liability insurance to all participants, even non-members
Should you have questions concerning whether or not a coaching or training activity is covered by the insurance policy, please contact Cycling BC well in advance of the planned activity (at least 3 weeks in advance) so that insurance coverage can be arranged, if the activity is not covered by default (see the list above).
Insurance for Clubs – Directors & Officers Insurance (DNO)
A type of liability insurance covering directors and officers (DNO)for claims made against them while serving on a board of directors and/or as an officer. Cycling BC offers affiliated provincial clubs the ability to purchase a separate DNO for the above coverage. In effect, the policies function as “management errors and omissions liability insurance,” covering claims resulting from managerial decisions that have adverse financial consequences.
The policies contain “shrinking limits” provisions, meaning that defense costs—which are often a substantial part of a claim—reduce the policy’s limits. This approach contrasts with commercial general liability (CGL) policies, in which defense is covered in addition to policy limits. Other distinctive features of D&O policies are that they: (a) are written on a claims-made basis, (b) usually contain no explicit duty to defend the insureds (when covering for-profit businesses), and (c) cover monetary damages but exclude bodily injury (BI) and property damage (PD).
Here are the documents that an affiliated club will need to fill out and send to the brokers for approval.