Please note that the Manitoba Cycling Association's 2013 insurance broker for Cycling Canada/Manitoba Cycling Association is Holman Insurance Brokers Ltd.
Below is information provided by MCA's Executive Director Twila Pitcher
Although we have changed broker and insurer, the basic approach to, and content of our policy has changed little. Our policy provides CGL and Sport Accident/AD&D coverage (attached) for all sanctioned/approved cycling activity (with a focus on member involvement) as determined by the named insured: Cycling Canada (CCA), Provincial Associations (MCA), Affiliated Clubs, Affiliated Trade Teams.
Holman Insurance is in the process of completing a member-friendly website that I will share as soon as it is complete. The intent of the website is to provide a general outline explaining the intent of coverage, limits, endorsements and exclusions, and answer frequently asked questions. Any specific inquiries will be directed to the broker for clarification and/or explanation.
In Summary, members have the following coverage (CGL and AD&D) as part of their annual license/membership:
1)Commercial General Liability Coverage:
- Worldwide liability member coverage for sanctioned/approved cycling activity.
- Liability coverage provided for named insured entities on our policy: Cycling Canada, Provincial Association, Affiliated Clubs. (No direct premium involved)
- Participant-to-participant liability coverage.
- $5,000,000 coverage limit per occurrence. No aggregate limit.
2)Sport Accident Coverage (AD&D):
- Member coverage for accidents in Canada while involved in sanctioned/approved cycling activity.
- This is an ‘excess’ policy, meaning that it covers costs above and beyond what is covered by Canadian Healthcare and any form of private insurance.
- There is a schedule of maximum payouts for specified injuries and loss to a maximum of $50,000. No decidable.
- $1,000,000 is the aggregate maximum for loss associated with a single accident. (eg. An accident involving a vehicle with multiple occupants).
- Eligibility – members must have access to Canadian Healthcare.
If you are travelling outside of Canada, additional Medical insurance can be arranged:
Out-of-country Travel Medical:
- Must be arranged prior to travel via the MCA.
Provides member coverage for accidents that occur outside of Canada while involved in sanctioned/approved cycling activity. (Note: Most other Travel Insurance products exclude any and all high risk activities).
- This again is an ‘excess’ policy, meaning that it covers costs above and beyond what is covered by Canadian Healthcare and any form of private insurance.
- Premium is $6.00 per day for 60 days. Trips with longer durations must be referred for a quote.
- Eligibility – members must have access to Canadian Healthcare.
Click on the link below to access additional information on the Holman Insurance Program:
No comments:
Post a Comment