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Insurance Coverage for CSCF Accredited Coaches

The CSCF is now fully integrated within Alpine Canada Alpin (ACA) and is a division of ACA as of July 1, 2015. ACA is a member of the Canadian Snow Sports Association (CSA). CSA negotiates general liability (including accidental death and disability) insurance coverage on behalf of all its member organizations. This insurance coverage now includes all CSCF accredited coaches (formerly CSCF members). Alpine Canada is a named insured.

This policy offers primary coverage and is a first responder in the case of an incident or accident. This policy is underwritten by Lloyds of London.

Who is insured?

  • All member associations, directors, employees, members & volunteers of the Named Insured, while involved in any activity, as promoted, encouraged, organized, governed, regulated, sanctioned and/or approved by the Canadian Snow Sports Association.
  • The Named Insured's members, but only for acts within the scope of the activities as a member of the Named Insured.
  • Municipalities, government departments, sponsors, organizers, producers and ski hill operations in whose name any Name Insured has agreed to provide insurance, or who are operating (or involved in) the Named Insured's sanctioned events, for the vicarious liability arising out of any activity, as promoted, encouraged, organized, governed, regulated, sanctioned and/or approved by the Named Insured.
What acts are insured?

The policy protects against the risk of sums that ACA or CSCF accredited coaches may become legally obligated to pay as a result of bodily injury and/or property damage caused while participating in approved activities. The coverage includes the cost of investigating, defending, and paying for any claim for injury or damage attributed to negligence on the part of ACA or the CSCF accredited coach or an authorized person acting on behalf of ACA.

A list of coverage extensions can be found later in this document.

What is the primary scope of coaching activity where insurance coverage applies?

  • Coverage APPLIES when participating in any CSCF sanctioned course, seminar, module, camp, evaluation, indoor or on snow, organized by or on behalf of the CSCF as a volunteer or paid facilitator or evaluator at these events.
  • Coverage APPLIES when working at the normal duties of a ski coach in a program that is approved by Alpine Canada Alpin (ACA) or one of its provincial sport organizations (PSO). This includes programs operated by any PSO member clubs. Coverage is worldwide. If a member coach is working in a program outside of and ACA or PSO approved program, coverage does NOT APPLY.
 What other considerations affect whether CSCF members are covered?

  • CSCF Membership Fees: - Annual CSCF membership dues must be paid in advance of the incident or accident, otherwise coverage does NOT apply.
  • Private Coaching: - Coverage does NOT apply for CSCF members working in a private or freelance coaching capacity that is not explicitly approved by ACA or the CSCF.
  • CSCF Membership Categories: - The member’s CSCF membership category must be either “Regular” or “Affiliate” or “Honorary/Life” member. CSCF members who are designated as “25 year” members are considered "Regular" members. Coverage does NOT apply to “Associate” members.
  • Ski and Snowboard Instructors: - Coverage does NOT apply to CSCF members who, at the time of the incident or accident, are working as a ski or snowboard instructor teaching skiing or snowboarding in a program that is not approved by the CSCF or Alpine Canada for insurance coverage purposes. In these cases, dual CSCF/CSIA or CSCF/CASI members fall under either the Canadian Ski Instructors Alliance liability coverage for members or the Canadian Association of Snowboard Instructors liability coverage for members, respectively.

How do I file a claim under this policy?

If there is a significant or unusual injury to any person, or if there is any other form of incident that may have liability consequences, an incident report MUST be filed immediately. The incident report should be filed with the CSA’s insurance broker, JLT Insurance Brokers, with copies to CSA.

  • Email or Fax copy of the incident report to:

a) JLT Insurance Brokers
Margaret McWilliams
Assistant Vice President, Claims
16th Floor, 1111 West Georgia St.
Vancouver, BC V6E 4G2
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Direct: 604 640 4251
Cellular: 604 307 5110
Fax: 604 682 3520

 AND

b) Canadian Snow Sports Association
Suite 202 - 1451 West Broadway
Vancouver, BC V6H 1H6
Attn: David Pym
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Fax: 604-669-7954

 

CSA, in consultation with JLT and Insurers will determine if investigation by CSA Insurance Adjusters is warranted and CSA will advise the adjusters of the CSA member and Incident Report contact information.