Trade Teams are privately owned entities with a select membership focused on racing and competition. Members of trade teams often receive coaching, equipment support, and team management services. Trade Teams typically organize training activities or sanction races either for their own members, members of other clubs, teams, or UCI/CCA licence holders. Trade Team athletes must hold a UCI Race Licence.
General Liability Insurance
Trade teams affiliated with Cycling BC are protected by the Cycling BC General Liability insurance. This insurance covers the legal responsibility of the club or team if it is alleged to have caused bodily injury or property damage to a third party during a sanctioned Cycling BC event, including club group rides. This insurance provides a safety net and peace of mind to the clubs and teams who participate in Cycling BC events.
Individually, trade team athletes—as members of Cycling BC—are also protected by the Cycling BC General Liability insurance during their participation in Cycling BC-sanctioned events and activities.
Ride Accident Insurance
Cycling BC’s Ride Accident insurance policy covers members for injuries sustained while riding a bike anywhere in Canada or the contiguous United States. The Ride Accident policy may also cover a portion of medical bills. It is worth noting that only treatment conducted in Canada is covered. Members should obtain Travel Insurance for out-of-country medical expenses.
Optional Add-on: Director’s and Officer’s Liability Insurance
For clubs to cover their board of directors against potential legal claims.
For a summary of the insurance program covering our members, click here.
As a member of a trade team and a holder of a race licence, you are covered under the General Liability insurance while participating in team training activities that are registered and listed on your team’s affiliation form, as well as during Cycling Canada or Cycling BC-sanctioned events. It is the shared responsibility of the club and individual members to ensure that the scheduled activity or event has been registered and approved by Cycling BC.
The Ride Accident insurance covers Cycling BC members 24/7 for injuries sustained while riding a bike anywhere in Canada or the contiguous (lower 48) United States. This includes coverage for injuries sustained during sanctioned activities or non-sanctioned activities (i.e. personal rides). It is important to note that the treatment covered must be conducted in Canada—Cycling BC members should still obtain Travel Insurance for out-of-country medical expenses.
The insurance provided is the same as in Question 1, but while working in a technical capacity for the affiliated Trade Team. Some technical licences require certification i.e. NCCP, Provincial C Commissaire and require a Code of Conduct to be signed.
Cycling BC members fulfilling a role of leadership at any registered/sanctioned Cycling BC activity must hold the relevant UCI Technical Licence to access the General Liability insurance coverage.
Use the Cycling BC Accreditation Management System to complete SafeSport, education, and role-specific requirements for a UCI Technical Licence. All UCI Technical License holders are listed on Cycling BC’s Accreditation Registry.
If an accident occurs while participating in a trade team activity, a trade team member has 30 days to report an injury. Ride leaders, instructors, and coaches are expected to submit accident reports within 1-7 days, depending on the severity of the accident.
The first step in the process is submitting an Accident Report Form to Cycling BC. Visit cyclingbc.net/accident to complete the form.
Personal belongings of members are NOT covered.