INSURANCE

INSURANCE

Insurance coverage is one of the services provided by Swim BC membership. Our policy is held with Sport BC (SBC) Insurance. The Swim BC Insurance Policy runs from January 15th to January 15th of each year. We have moved to a Master Certificate of Insurance (COI) which includes all the registered Swim BC clubs and facilities that they use. If you need a copy of the COI or any information added, please reach out to Swim BC. You can see a brief overview of our coverage and information on how to report an incident below.

Insurance Overview

The Swim BC Insurance Policy runs from January 15th to January 14th of each year. Our policy is held with Sport BC (SBC) Insurance. Registration with Swim BC includes this insurance coverage (among many other services).

Here is a broad overview of our insurance:

Commercial General Liability coverage

  • Who is insured: Swim B.C. and its “Members” for all “Sanctioned Activities” authorized by the Association. Members include Executives, Coaches, Directors, Officers, Officials, Employees, Participants and Volunteers while acting on behalf of the association. Sanctioned Activities mean all competitions, sport demonstrations including related practice and training, social and fundraising activities authorized by the Association and run by ‘members’.
  • This coverage will pay those sums that the insured becomes legally obligated to pay as compensatory damages because of bodily injury to or damage to property of others, such as spectators, passer-by, property owners and others resulting from your operations or actions. Coverage includes your legal liability for injury to participants. The coverage provided, also includes Injury to Participants that result from our association, member clubs, or individual members’ negligence. The coverage also includes Additional Insured’s, such as Municipalities, Government Departments, Sponsors and Owners of the facilities in whose name we have agreed to provide insurance for their vicarious liability arising out of our operations.

Sport Accident Insurance

  • Responds over and above BC Medical Services Plan (BCMSP) and any extended health plan. Once the limits on both BCMSP and any extended Health plan have been exhausted, the sport accident policy kicks in.
  • For information on Reporting an Incident, please see the adjacent tab.

Directors and Officers (D & O) Liability Insurance

  • Coverage for settlement and defence costs for directors and officers wrongful acts and decisions.
  • Protection extends to directors, officers, de facto director, trustee, employee, volunteer or member of the staff, faculty or any duly constituted committee or the equivalent in any jurisdiction, of the insured organization

SBC Insurance provides a Master Certificate of Insurance (COI) that lists all member clubs and facility “owners”.  This certificate can be given to all the facilities that request a COI. To request a copy of the Master COI or to have another facility or municipality added to the current Master COI, please contact Louise Reid 

Swim BC is a member of Sport BC and as such we receive priority service, meaning all member inquiries are at “at the top of the list” for SBC Insurance services. We have a dedicated broker and certificate specialist assigned to us. Given SBC Insurance functions as an operating branch of a not-for-profit organization (Sport BC), brokerage fees are kept very low. SBC Insurance is able to provide collective membership leverage that definitely plays in our favour.

If you have any questions regarding insurance, please contact Louise Reid

Reporting an Incident

What is an incident?

  • Any injury large or small requiring any level of first aid.
  • An incident may be a recurring overuse injury requiring medical attention

 

Steps to take if an incident occurs:

  1. Ensure appropriate first aid measures are provided, and or cooperation with facility staff (lifeguards) is optimized.
  2. Immediately document the incident as thoroughly as possible.  Where appropriate, secure comments from witnesses.

 

Following an incident all clubs must:

  1. Submit an incident report  to Swim BC within 72 hours of the incident. (Notice of any accidents or potential insurance claims must be reported for coverage to apply. This form is only used to report a potential claim to Swim BC, it is not in lieu of the submission of the accident claim form)
  2. Provide the injured member with the Allsport Athletic Accident Claim Form 

An Incident Report is required to be submitted by a coach, official or someone affiliated with the club or facility any time there is an accident or injury during any Swim BC approved or sanctioned activities (i.e. swim meets, practices, approved social events, team functions, etc.) The form must not be submitted by a parent or the injured party.

 

Filing an Accident Claim:

All Swim BC members seeking reimbursement for expenses not covered by their primary insurance must:

  1. Complete the accident claim form
  2. Submit the accident claim form  to club management for certification and signature.
  3. Submit the claim form to Swim BC within 21 days of the incident. Swim BC will verify membership status and forward the accident claim form  to the insurance company.
  4. Have the attending dentist or physician complete the applicable form for dental and medical reimbursement.
  5. Claim documentation must be received within 90 days.

 

Please note:

  • The insurance company will not process a claim until it is verified by Swim BC.
  • Swim BC will verify and forward the claim to the insurance company the same business day it is received.
  • Due to the time constraints, it is very important that all claim forms are sent to Swim BC– do not send directly to the insurance company.
  • The time required to process a claim varies depending on the severity of the incident and how complicated the claim becomes.

 

What else should you inform Swim BC of?

  • Supplemental reports on injury status, allegations of wrong-doing or any other matter related to the incident
  • Any contact with a lawyer for any matter related to the incident

If you have any questions, please email Ken Radford.

The Swim BC office is located on the unceded territories of the lək̓ʷəŋən speaking people known today as the Songhees, the SXIMELEL (Esquimalt) and the WSÁNEĆ First Nations.

Swim BC gratefully acknowledges the financial support of the Province of British Columbia.

Address

305-4420 Chatterton Way
Victoria, BC V8X 5J2

Contact

778-430-9100
Email

Copyright © 2022, Swim BC. All rights reserved.

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