Comparison of Facility User Insurance Programs (2024)
No, specifically excludes athletics including practicing, instructing or participating in any athletic event or exercise, competition, games, or sports.
Excludes any Bodily Injury to the Volunteers
Amusement Rides (Carnivals) Boxing, Rugby, UFC, Gymnastics, Motor Sports, Overnight Camps, Professional Sports, Trampolines.
Has the ability to expand offering to new sports when requested.
All Contact Sports, Extreme Sports, All Snow Sports, BMX Biking, Gymnastics, Inflatables, Shooting, Trampolines, Football, Rugby, Professional Sports.
Higher risk sports on an underwriter acceptance only
It is important to have an Insurer that is flexible with the sports and events required to be insured. If they cannot add the coverage for the event you are renting your facility for, then it prejudices one of your clients in obtaining coverage at a reduced rating structure facility user programs are known for within Canada.
While all the markets do have sports or activities that they do not insurer for any reason, it is important to work with an insurer who will insure most of your activities and work toward adding those required by your facilities or renters.
Additionally, if the Bodily Injury excludes expected or intended injury, this leaves it wide open for an Insurer to decline coverage. Using a waiver reinforces this fact, as most participants acknowledge they can be seriously injured.
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