Sport Accident coverage is available for Canadian domestic treatment of your injuries, subject to varying limits by type of injury.  Sport Accident coverage is secondary to BC Medical Services Plan coverage, your own private plan (if there is one), and ICBC settlements.  Coverage is NOT meant to act as Travel Medical coverage and will ONLY pay for Canadian treatment.  To confirm, accidents may occur anywhere in the world, but there is no coverage for any expenses incurred outside Canada.

The policy protects clubs and CBC members from claims from other people, businesses or municipalities (third parties) for bodily injury or property damage. The policy pays for a defense lawyer (if/when needed) and damages (i.e. a settlement or court award).  The Cycling BC policy will work in coordination with your home insurance to provide a defence for you, and will pay in excess of your home insurance limits if they are eroded by a claim settlement.

As a CBC registered Club Member, you are covered for all Club rides and sanctioned events. You are NOT covered when riding to commute or on non-Club training rides.

As a CBC Member, you are covered when riding (as a guest in a Club ride or) in a CBC sanctioned event.  You are NOT covered when riding to commute or on individual (non-Club) training rides.

You are NOT covered under the CBC liability policy when riding to commute or on non-Club training rides.  Your own Personal Liability coverage under your homeowners/condo/rental insurance would respond in these circumstances, subject to the terms and conditions of those policies.

You would be defended under the CBC CGL policy for your actions, unless they were intentional and expected.

If CBC sanctions the race/event, it is covered under the CBC CGL policy.

No, the Cycling BC commercial general liability policy will only extend to claims stemming from losses which occur in Canada or the contiguous United States (excludes Alaska and Hawaii).

This means that other entities have an interest in the CBC policy, by nature of their relationship to the event.  As Additional Insured, they will be defended under the CBC policy in the event that the municipality/landowner/sponsor is named in a liability suit where a Club/CBC member was negligent and caused bodily injury or property damage to a third party or other participant/volunteer.

In the future, note that organizations or entities that request to be added as an “Additional Insured” may also need to reciprocate and name “Cycling British Columbia” as an additional insured on their own insurance coverage.

Yes, there is coverage for Professional Liability (Errors & Omissions) under the CBC policy.  Only covers coaches or other “professionals” within the context of the organization, for example a team or club’s coach. Coverage would NOT extend to club members who give advice to one another.

Your Club has access to CBC Club D&O Program, an optional add-on, where Club specific policies are available to cover allegations of wrongful acts in the course of acting as board member for the club. Coverage responds both by paying for defence counsel and paying out any damages.

1. 24/7 Sport Accident Liability – most sports accident policies will not cover injuries which occur outside of sanctioned events. The CBC policy takes care of our community of cyclists when they are on their bikes at any time.  Over half of the injuries the CBC policy responds to every year take place outside of sanctioned events, and we feel this is important coverage for members.
2. Commercial General Liability – Compared to other policies, the CBC policy provides ‘participant liability’ meaning that all individual club riders are protected between each other, the club, and members of the public. Less comprehensive packages protect only the club and its board (or team and its ownership) from club members or from members of the public. This is important, especially in cases that include bodily harm, non-owned auto liability, and alcohol liability because often the club and ALL club members attending the ride will be named individually in a lawsuit. This is of the utmost importance if a non-waivered non-member attends the ride and is injured (this does happen!).
3. Limit of Insurance – Our comprehensive policy meets the minimum liability threshold for most facilities and municipalities, so that clubs/teams can rent space on government and private lands. This is important since $1million, $2million, and $5million liability limits may be insufficient for a club to hold an event. To receive a Certificate of Insurance, clubs/teams complete the Cycling BC COI request form (cyclingbc.net/coi-request). Please note that organizations named as additionally insured may also be required to reciprocate and provide Cycling BC with a COI that names us as additionally insured.
4. Broad Coverage – Our comprehensive policy also includes forest fire fighting expenses, which is an important line of coverage for mountain bike clubs riding in the forest and event organizers hosting events at ski resorts, etc