All Sport Insurance Marketing Limited and Paddle Alberta
SPORT LIABILITY INSURANCE PROGRAM
FOR PADDLE ALBERTA CLUB & NFP MEMBERS
MAY 1, 2009 TO MAY 1, 2010
2009 RATES
INDIVIDUAL MEMBERS $9.50
FAMILY MEMBERS
$13.00
EXEC/BOARD MEMBERS $4.00
(PLUS SUBSIDIZED 50% BY PADDLE ALBERTA)
Program administered by Paddle Alberta
With Jones Brown Insurance Inc, Calgary.
Why Liability Insurance?
No matter how careful you are, accidents happen. You can be sued by
anyone who claims injury or damages resulting from your operations and
activities. Even if you are eventually found to be blameless, litigation expenses
could severely strain your resources. Liability insurance will defend you and pay
for damages that may be awarded against you. In short, liability insurance gives
you peace of mind. In addition, since it protects all members of the association
including the executive and volunteers who are concerned about their individual
liability, they are more likely to offer their services.
LIMIT:
DEDUCTIBLE:
EFFECTIVE:
SPORTS LIABILITY INSURANCE
$5,000,000 per occurrence
$500 per occurrence
May 1, 2009 to May 1, 2010
This is a broad policy competitively priced, designed especially recreational
programs for members of Paddle Alberta. It covers all members, including
executive, managers, coaches, officials, employees and volunteers while running
sanctioned and supervised practices, competitions, instructional programs,
demonstrations and Club based events.
Sport Liability Policy Limits
Coverage is provided for Paddle Alberta and Paddle Alberta Club/NFP sanctioned and
authorized paddling related activities only. Coverage is for up to Class IV rivers (but not
above) and ocean shoreline paddling. You must purchase your own separate insurance
policies for other activities such as a non-paddling off-season sports, third party rentals or
leases, public events or sporting events not sanctioned or not covered in the Paddle
Alberta Sport Liability Insurance policy.
Insurance Program
for Members of Paddle Alberta
1
Valuable extensions included:
Participant Liability - In many standard liability insurance policies participants
are excluded, but this is covered in the broad form coverage with ALL SPORT.
Includes non-members who are participating in a sanctioned event.
Voluntary Medical Payments - Reimburses others (third party) for their medical
expenses if they are injured as a result of your activities up to $1,000.
Blanket Tenants Legal Liability - Provides coverage for your legal responsibility
for damage to premises that you rent for your activities up to $250,000.
Non-Owned Automobile Coverage - Protection against legal liability arising
from an auto accident when someone is driving their own vehicle on the
association’s behalf.
Personal Injury –This coverage is against Libel, Slander.
Advertisers Liability - Will protect an advertiser if they are sponsoring an event
which runs under your operations.
Incidental Medical Malpractice - Protection for rendering first aid to an injured
person by a non-medical professional in the course of your activities.
Employers Liability - To protect the insured against the possibility of an
employee suing for injury suffered in the course of their employment.
Premises, Property and Operations - This provides coverage for the insured
who is responsible in the scope of their operations for premises/property to which
they have control over. It includes coverage for the insured’s operations
(activities).
Products and Completed Operations - This is simply a broader form of liability
coverage normally associated with manufacturers and business.
Blanket Contractual - This provides coverage for the insured when he/she signs
a contract which stipulates the legal responsibility of the insured.
Occurrence Basis Property Damage - Again, this is just a broader type of
coverage. Occurrence happens over a period of time, whereas, an accident
wording is sudden and accidental.
Directors & Officers Liability – This provides coverage for your Directors &
Officers Liability for $1,000,000.
Authorized Large Group Instructional Program Coverage
Request copy of a ’Certificate of Insurance’ from Paddle Alberta.

SPECIAL NOTES
Sport Accident Policy is not included as part of this program.

ACCIDENT CLAIM forms must be completed in full and forwarded to the
Paddle Alberta office, within 15 days from the date of the accident.

Please read the instructions on the reverse of the claim form carefully. Some
limitations and exclusions may apply.
PLEASE NOTE THAT ANY MISREPRESENTATION WITH RESPECT TO INFORMATION
PROVIDED FROM INDIVIDUAL CLUBS MAY JEOPARDIZE THEIR INSURANCE COVERAGE
Optional Insurance Floater Program
1. Property/Equipment Coverage Floater – Policy covers Buildings and their
equipment, fixtures, contents usual to a clubhouse; office contents All Risk
Replacement Cost except stock 90% co-insurance and $1,000 deductible.
2. Mobile / Miscellaneous Property Floater --For example: canoes, paddles,
trailers, life jackets, and other equipment incidental to the operations of the
club. Coverage includes off premises, in transit, and while in storage.
3. Physical Damage/Supplementary Non-Owned Automobile Liability Floater for
Vehicle rentals.
4. Sport Accident—Covers accidental Bodily Injury or Death sustained by a
member due to sudden causes outside the Insured’s control while in Canada
& during sanctioned event.
5. Travel Insurance—covers similar to Sport Accident (above) anywhere in the
world.
6. Prize Indemnity—coverage for physical prizes or money given away for prizes
or fundraising.
7. Special Event with Liquor Coverage Floater—liability coverage if liquor at
event or sold at event.
Paddle Alberta MUST RECEIVE completed signed application by March 6
2009 (with Paddle Alberta Membership payment)
Please direct your insurance questions to Paddle Alberta:
Paddle Alberta
Percy Page Centre, 11759 Groat Road Edmonton, AB T5M 3K6
Toll-Free Phone: 1-877-388-2722 Fax: 1-866-477-8791
Email: info@paddlealberta.org
Web: www.paddlealberta.org