Insurance Coverage
The Gymnastics Ontario insurance policy provides coverage for Gymnastics Ontario members participating in Gymnastics Ontario Sanctioned Activities, and is comprised of four key components:
- Comprehensive Sport Liability – Applies to Member Clubs
- Director’s & Officers’ and Employment Practices Liability – Applies to Board Members at Member Clubs
- Cyber / Privacy Breach Liability – Applies to Member Clubs
- Sports Accident Policy – Applies to Individual Registered Members
Who is Insured?
‘Insured Persons’ under Gymnastics Ontario’s Insurance Policy includes:
- All registered Gymnastics Ontario members while acting on behalf of the association:
- Athletes
- Coaches
- Officials/Judges
- Employees
- Coach Developers and Learning Facilitators
- Volunteers
Comprehensive Sport Liability Policy
Gymnastics Ontario’s insurance policy will defend liability lawsuits in which a Gymnastics Ontario member club is named. All member clubs are protected against the consequences of their negligence, alleged or otherwise, resulting in bodily injury and/or property damage to a third party. This includes litigation costs and the potential of damages awarded.
Directors’ and Officers’ Liability
Protects the Directors’ and Officers of the club from claims arising from wrongful acts including Employment Practices Wrongful Acts in their capacity with the organization.
Cyber / Privacy Breach Liability
Cyber risk liability insurance coverage solutions to protect your club/business against cyber threats and data breaches.
Sports Accident Policy
Gymnastics Ontario provides Sport Accident Insurance for registered members including participants, managers, coaches, directors, officers, officials and trainers.
Gymnastics Ontario Sport Accident Insurance provides coverage for “out of pocket medical expenses” due to an insured member who has sustained an injury while participating in a Sanctioned Gymnastics Ontario Activity. This coverage is applicable in Canada and is secondary to any other health care plan(s). Expenses eligible under any other health care plan(s) must be submitted to that plan(s). Our Sport Accident Policy will pay only the amount of expenses that are not eligible with any other insurer.
Highlights of Coverage
Dental Accident Reimbursement – Up to $10,000.00
Medical Expense Reimbursement – Up to $15,000.00
Principal Sum Benefits – Up to $50,000.00
Accidental Death – $50,000.00
Fracture Indemnity Benefit – Up to $1,000.00
Rehabilitation Indemnity Benefit – Up to $3,000.00
Tuition Fees Reimbursement – Up to $2,000.00
Emergency Transportation Benefit – Up to $50.00
Family Transportation Benefit – Up to $2,500.00
Dentures, Removable Teeth, Hearing Aides, Eyeglass and Contact Lenses – Up to $200.00
This plan is secondary to any existing medical plan (will pay only the amount of eligible expenses that are not eligible with any insurer). Submit forms and receipts to Gymnastics Ontario, Operations Manager, operations@gymnasticsontario.ca
No payment for benefits covered under any government health plan whether the insured is enrolled in such a plan or not.
Gymnastics Ontario must receive notice of your accident date within 30 days from the date of injury and must receive claim documentation with 90 days.
This coverage includes activities sanctioned by Gymnastics Ontario. This coverage does not cover individual members practicing by themselves where Gymnastics Ontario has no direct involvement or sanction.
Travel Medical Insurance (Coverage Outside Canada)
Travel Medical Insurance will protect you for emergency medical care in excess of your provincial or territorial plan, due to an illness or accident.
Gymnastics Ontario’s Sport Accident Insurance only provides coverage in Canada for the sport whereas Travel Medical Insurance provides coverage outside Canada for any situation sport or non-sport.
Gymnastics Ontario’s Sport Accident Insurance covers injury whereas the Travel Medical Insurance covers injury or illness. For example, heart attack or other medical events requiring emergency hospital medical attention.
Please click here to apply for Excess Travel medical Insurance
Important Points to Remember
When travelling outside of Canada to participate in a gymnastics activity:
- Contact the Gymnastics Ontario office for approval.
- Purchase Travel Medical Insurance by contacting Gymnastics Ontario’s Insurance Broker.
Insurance Provided By
Arthur J Gallagher Canada Limited
Attention: Sports and Recreation Department
1.905.575.1122
Email: IBAM.StoneyCreek.Sports@ajg.com
Underwritten By
Sport Accident Claims are to be submitted to
Gymnastics Ontario
Operations Manager
operations@gymnasticsontario.ca
Request Certificate
Certificates of Insurance for clubs are emailed directly to clubs by Arthur J. Gallagher Canada Limited to member clubs in April of each year.
If you do not receive your club’s insurance certificate, please email operations@gymasticsontario.ca. If you require your property management firm, facility owner, municipality, government departments, etc., named as additionally insured, please complete the Insurance Certificate Request Form.
Sanctioned Activities
Risk Management
All clubs are encouraged to be proactive in minimizing risks. This includes having your coaches trained at the appropriate level, having the necessary policies in place, and understanding Gymnastics Ontario’s insurance program. All clubs should also have a communication plan to distribute information from Gymnastics Ontario.
Clubs should follow the Gymnastics Ontario guidelines for the minimum coach certifications for each level. However, clubs are encouraged to seek additional training for coaches. Many e-Learning modules are available in The Locker at little or no cost. There are also many other resources and courses available on our Safe Sport resources page. CFIB also offers free courses for club staff.
All Gymnastics Ontario clubs are CFIB members. CFIB has many valuable resources for clubs including legal and human resources. Clubs are encouraged to learn about all the benefits of a CFIB membership including the available policy templates.
Clubs should spend time getting familiar with the Gymnastics Ontario insurance program including understanding what sanctioned activities are covered. Foreign participants training at clubs should have travel medical insurance without a sport exclusion. When clubs travel out of the country for events, training or competition, it must be sanctioned by the appropriate discipline manager and all participants travelling should have travel medical insurance without a sport exclusion.