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 Jamie Dahlman.
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.
