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Insurance FAQ

Are volunteers with a club covered by our insurance program?

Does the club have to pay additional premiums for off-ice volunteers?

Are there conditions to trigger insurance coverage for off-ice volunteers?

How do we renew our club’s insurance?

I am looking for a copy of the club's insurance certificate

Our local rink/city is demanding proof of insurance

Where can I find the directors’ & officers’ liability insurance certificate?

How do we add a name on the insurance certificate (as additional insured)?

Where can I find the BFL insurance application form for the region?

What is the contact information for BFL Canada Inc.?

How do we report an incident and/or injury to Skate Canada?

How do we submit an Accident Insurance Claim to Skate Canada?

What is the difference between Bring a Friend days and Family Fun Skate?

Are all participants covered by insurance for Bring a Friend Day and/or Family Fun Skates

Our club is having a “Skate with Santa” type day.  Is this covered?

Can we have more than 2 Bring a Friend days and/or Family/Fun Skates and will all participants be covered by insurance? 

How do we ensure insurance coverage for Bring a Friend Days and/or Family/Fun Skates?

Does my club need to keep track of the individuals participating in Bring a Friend Days and/or Family/Fun Skates?

During our Bring a Friend Day and/or a Family/Fun Skate, there will be participants on the ice whose skating skill level may not be known prior to the session beginning.  What should our club do to ensure the safety of all the skaters?

Does the helmet have to be a CSA approved helmet?

Where can I find information on the Helmet Use Policy?

Can a Skate Canada Coach refuse to teach skaters in CanSkate who are not wearing a CSA hockey helmet and have not yet passed Stage 5?

Does the club have the right to fire or remove a coach that objects to coaching skaters without the required CSA hockey helmet?

We are planning on running a summer skate for the months of July and August on a different ice surface then our home club ice, would we be covered by insurance?

If we offer off-ice training will the club be covered for insurance?

We are looking at off-ice training for our skaters at a local fitness centre. Does Skate Canada's insurance program extends to outside facilities?

Is there insurance coverage for jump harnesses?

Are hand-held harnesses covered by liability insurance?

We are having synchronized skating try-outs; do we need to register all the participants trying out?

We have a Pre-CanSkate program; can the parents join their children on the ice?

Do we have to register former skaters and non-members that participate in our annual year end show?

Do we have to register former skaters and individuals who are not registrants of Skate Canada that will be participating in our annual year end carnival/ice show?

Our club is considering inviting a guest skater who is currently training in Canada but represents another country as an amateur. What information do we need to know to ensure we follow Skate Canada policies and procedures?

Our skating club would like to host a Skate-A-Thon as a fundraiser or Battle of the Blades; would these be insured?

I'm a registered coach; where can I find proof of insurance coverage?

If a Skate Canada coach wants to rent ticketed ice would they be covered by liability insurance? 

Does a Skate Canada coach need to be present on all scheduled practice sessions?

I'm looking for information on coach insurance (loss of income)?

If we are aware of a medical condition or injury, should we be asking the skater for medical clearance before allowing them to continue skating?

 

Are volunteers with a club covered by our insurance program?

Yes, only off-ice volunteers are covered by the General Liability and the Accidental Death and Dismemberment insurance.

 

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Does the club have to pay additional premiums for off-ice volunteers?

No, all off-ice volunteers are covered at no additional premium.

 

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Are there conditions to trigger insurance coverage for off-ice volunteers?

Yes, the club must keep a record that the individual is volunteering with the club. The record should include the following information:

      • Full Name of the volunteer
      • Age and gender
      • Address
      • Contact info
      • Beginning and end of the volunteering period

 

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 How do we renew our club’s insurance?

All club registration fees including insurance fees are automatically invoiced when the club registers its first member(s).

 

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 I am looking for a copy of the club's insurance certificate

Insurance Certificate

 

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Our local rink/city is demanding proof of insurance

Proof of Insurance

 

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 Where can I find the directors’ & officers’ liability insurance certificate?

Director's & Officers' Liability Insurance Certificate

 

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How do we add a name on the insurance certificate (as additional insured)?

In order to add someone as an additional insured on the certificate you will need to complete the following form and submit to BFL:

Insurance Certificate Request Form

 

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Where can I find the BFL insurance application form for the region?

This year there is no need to submit an application for region coverage to BFL.  All regions are automatically covered as of September 1, 2014.

 

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What is the contact information for BFL Canada Inc.?

Roxanne Jobin: 1.800.465.2842, ext 1335, rjobin@BFLcanada.ca

2001 McGill College Avenue, Suite 2200

Montreal, Quebec  H3A 1G1

 

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How do we report an incident and/or injury to Skate Canada?

Skate Canada’s Safe Sport Department encourages our clubs, skating schools and coaches to begin using the new Online Incident Report when an incident/accident occurs at the club, skating school or at any Skate Canada related event. All incidents must be reported to Skate Canada no later than thirty (30) days from the date of the incident.

IMPORTANT NOTE: Once the Incident Report is completed and submitted, a copy is automatically sent to the email address identified on the form.  We recommend keeping a copy of the incident report for the club and/or skating school’s records.

To report an incident click HERE (This form is also available on the Info Centre, under Safe Sport).

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How do we submit an Accident Insurance Claim to Skate Canada?

To submit an insurance claim, you must submit an incident report to Skate Canada's Safe Sport Department and have all three sections of the Accident Insurance Claim Form completed; include any doctor’s notes, requisitions and/or any receipts:

Accident Insurance Claim Form

Please note that the accident insurance coverage is a secondary benefit to one’s family insurance. Therefore, if the injured member has personal or family insurance coverage, they must claim with them first and Skate Canada will cover the difference or the balance of what isn't covered by their primary/personal insurance coverage.  In this case proof of denial from the primary insurer must accompany all claims.

 

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What is the difference between Bring a Friend days and Family/Fun Skate?

The main difference is programming:

Bring a Friend Day is an opportunity for skaters to bring a friend to participate in a skating program with them.  Club volunteers and coaches work together to organize a day where skaters bring their friends and the friends are incorporated into a skating program like CanSkate, STARSkate and/or CanPowerSkate.  This gives the skaters’ friends the opportunity to experience the skating program firsthand and hopefully want to join in!

Family/Fun Skates are designed to allow clubs the opportunity to invite families of their skaters to enjoy some family activities at the club.  Often clubs like to plan events like these around the holiday season.  There are no skating programs being offered during a Family/Fun Skate session. 

The Bring a Friend Day and Family/Fun Skate events must operate in a safe way and follow the list of provisions below:

      • No hockey sticks allowed on the ice 
      • Minimum of one registered & qualified Skate Canada coach per 60 participants 
      • All participants must wear skates on the ice – no boots or shoes 
      • Any participant who is not a registrant of Skate Canada must wear a CSA-approved hockey helmet, regardless of their skating ability

 

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Are all participants covered by insurance for Bring a Friend Day and/or Family Fun/Skates?

Clubs may offer two Bring a Friend Days per membership year (September 1 – August 31) for no additional cost and all participants, including participants who are not registrants of Skate Canada, are covered under the General Liability and the Accidental Death and Dismemberment insurance policies.

In addition to the Bring a Friend Days, clubs may offer two Family/Fun Skates per membership year (September 1 – August 31) for no additional cost and all participants, including participants who are not registrants of Skate Canada, are covered under the General Liability and the Accidental Death and Dismemberment insurance policies.  

 

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Our club is having a “Skate with Santa” type day.  Is this covered?

For Santa skate, as long as the club has not exceeded the two Bring a Friend days and the two Family/Fun skates per year (September 1 - August 31) then this would be considered as one of the clubs Bring a Friend or Family/Fun Skate events. The Santa skate event must operate in a safe way and follow the list of provisions below:

      • No hockey sticks allowed on the ice 
      • Minimum of one registered & qualified Skate Canada coach per 60 participants 
      • All participants must wear skates on the ice – no boots or shoes 
      • Any participant who is not a registrant of Skate Canada must wear a CSA-approved hockey helmet, regardless of their skating ability

 

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Can we have more than 2 Bring a Friend days and/or Family/Fun Skates and will all participants be covered by insurance?

Participants that are not registered with Skate Canada will ONLY be covered under both General Liability and the Accidental Death and Dismemberment insurance policies for the first two Bring a Friend days and the first two Family/Fun Skates per year (September 1 - August 31). 

For any additional Bring a Friend days and/or Family/Fun Skates, participants who are not registrants of Skate Canada will be covered for Accidental Death and Dismemberment insurance but, not covered for liability insurance.  This means if there is a law suit those that are not registered members are not going to be protected. The club and registered members are still going to be covered for both accident and liability insurance.

 

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How do we ensure insurance coverage for Bring a Friend Days and/or Family/Fun Skates?

Clubs and skating schools are no longer required to inform Skate Canada of the scheduled Bring a Friend Days and Family Fun Skates.  The only condition for coverage is that clubs and skating schools MUST maintain a detailed list of the following information:

      1. Full name of friend/family member attending
      2. Contact information
      3. Date of birth
      4. Name and date of the event attended

 

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Does my club need to keep track of the individuals participating?

Yes, once the list has been compiled, the club or skating school MUST keep this information on file for one year.  Skate Canada may request a copy of the list at any time within the year.

 

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During our Bring a Friend Day and/or a Family/Fun Skate, there will be participants on the ice whose skating skill level may not be known prior to the session beginning.  What should our club do to ensure the safety of all the skaters?

In order to ensure the safety of all of the skaters, all participant who are not Skate Canada registrants must wear a CSA approved hockey helmet, no matter their skating ability.  This will also ensure the coach(es) will be able to begin the session promptly engaging the participants which will provide a positive and fun experience for everyone.

 

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Does the helmet have to be a CSA approved helmet?

Yes, only hockey helmets are CSA approved for the use of ice skating.  Granted these helmets are approved for the sport of hockey, they are also the only helmet at this time that are approved for ice skating. 

 

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Where can I find information on the Helmet use policy?

Helmet Use Policy

Helmet Use Policy - Information for Clubs, Skating Schools, Coaches and Parents 

 

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Can a Skate Canada Coach refuse to teach skaters in CanSkate who are not wearing a CSA hockey helmet and have not yet passed Stage 5?

Clubs and skating schools who do not abide by Skate Canada Rules and Policies could be jeopardizing their insurance coverage.  Coaches are aware of this policy and coaches should not be put in a situation where a skater who must have a CSA approved hockey helmet is on the ice without the proper helmet.  Should this happen, the coach should escort the skater off the ice as he/she does not meet the Skate Canada helmet policy requirement to participate in that program.

Coaches must ensure the safety of the skaters at all times therefore if a skater is on the ice without an approved hockey helmet, this is a safety concern that must be addressed. 

 

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Does the club have the right to fire or remove a coach that objects to coaching skaters without the required CSA hockey helmet?

A coach cannot be reprimanded for enforcing Skate Canada rules and policies within a club.

 

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We are planning on running a summer skate for the months of July and August on a different ice surface then our home club ice, would we be covered by insurance?

Insurance as paid for by both the club (liability) and by the skater (accident) would apply regardless of where the session is occurring, as long as the session is being run by a Skate Canada club. In other words, the insurance is tied to the club and the skater, not the location.

 

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If we offer off-ice training will the club be covered for insurance?

Off-ice training is covered for Skate Canada registrants only. The activities offered must be directly related to athlete on-ice conditioning.

 

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We are looking at off-ice training for our skaters at a local fitness centre. Does Skate Canada's insurance program extends to outside facilities?

Skate Canada's accident insurance would extend to outside facilities when skaters/registrants are participating in Skate Canada club off-ice training.

 

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 Is there insurance coverage for jump harnesses?

The use of jump harnesses is covered under the insurance program; however, the installation is not.  

 

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Are hand-held harnesses covered by liability insurance?

Yes, they are covered by liability insurance and we do not need to worry about installation as this is a hand-held harness.

 

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We are having synchronized skating try-outs; do we need to register all the participants trying out?

Yes, anyone participating in try-outs must be registered with Skate Canada before trying out.

 

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We have a Pre-CanSkate program; can the parents join their children on the ice?

Parents can joint their children on the ice ONLY if they are registered with Skate Canada. 

 

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Do we have to register former skaters and individuals who are not registrants of Skate Canada that will be participating in our annual year end carnival/ice show?

All individuals that participate on the ice during a club carnival/ice show must be currently registered members of Skate Canada.

 

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Does a foreign skater have to be registered with Skate Canada and would they be insured?

The foreign skater must be registered with Skate Canada prior to skating on any Skate Canada club ice.

Once registered, the foreign skater would be covered by our liability insurance but not the Accident insurance as that is tied to our government provided medical insurance. The foreign skater would have to secure that and while doing so, would want to identify that they are seeking this for sport performance coverage.

 

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Our club is considering inviting a guest skater who is currently training in Canada but represents another country as an amateur. What information do we need to know to ensure we follow Skate Canada policies and procedures?

If the individual is training at a Skate Canada club or skating school he/she must be a current Skate Canada registrant. 

If the individual is not training at a Skate Canada club or school and is not a current Skate Canada registrant, as a foreign guest skater he/she must obtain a sanction from their home federation.  You would also need to stipulate this in your ice show sanction and also ensure that the participant is covered for accident insurance as the Skate Canada accident insurance would not be in place for this individual.

Anyone else participating in your club’s ice show must be currently registered with Skate Canada. 

 

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Our skating club would like to host a Skate-A-Thon as a fundraiser or Battle of the Blades; would these be insured?

A Skate-A-Thon type event is covered by Skate Canada's insurance as long as it’s a fundraiser for the club/school (not for a third party entity).   The insurance will cover Skate Canada registrants and volunteers. 

Note that volunteers are auxiliary workers that help to prepare the event.  Should a volunteer participate in the skating activities, he/she must become a Skate Canada registrant in order for coverage to apply.

A Battle of the Blades type event is not covered by Skate Canada's insurance. You would need to arrange for a separate insurance policy which can be done by contacting BFL CANADA (Skate Canada's Insurance Broker) directly at 1.800.465.2842.

 

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 I'm a registered Skate Canada coach; where can I find proof of insurance coverage?

Proof of Coaching Insurance

 

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If a Skate Canada coach wants to rent ticketed ice would they be covered by liability insurance?

In order to be covered by the terms of the insurance policy, a registered Skate Canada Club, Skating School or a registered Skate Canada coach may rent extra ice to provide additional instruction to Skate Canada registrants only.

The extra ice must not be shared with non-skate Canada members (ex. General public) and may not be scheduled on a routine basis. During this extra ice, at no time may the Skate Canada coach instruct group lessons or provide a group program such as CanSkate.

The Skate Canada Club or Skating School must consider these sessions in support of their programming. This support would not have to be in writing in advance of these sessions. This support could be delivered verbally if and when a claim is submitted.

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Does a Skate Canada coach need to be present on all scheduled practice sessions?

As stipulated in the Skate Canada Standards for Professional Coaches Policy and relevant Skate Canada program delivery standards, at least one registered Skate Canada coach must be present on the ice at all times during practice sessions.

In order to ensure proper insurance coverage and safety of all Skate Canada registrants, a Skate Canada coach is required for all regularly scheduled sessions.

In extenuating circumstances where a Skate Canada coach is unable to physically get to the rink (i.e. snowstorm, car problem, etc.) the club may offer practice ice in lieu of a program session under the supervision of a responsible adult. The responsible adult who ideally should be first aid certified would monitor the practice session from the stands or rink boards and be the primary point of contact should an incident occur.

 

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I'm looking for information on coach insurance (loss of income)?

Skate Canada Coaches Now Benefit From Improved Insurance Program

 

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If we are aware of a medical condition or injury, should we be asking the skater for medical clearance before allowing them to continue skating?

We strongly suggest that the club board, school administrator and/or the coach:

      • Receive medical clearance prior to allowing the registrant on the ice.
      • Reinforce the safety precautions such as helmet use along with the normal supervision by the coach or program assistants.

It is very important to ensure the parents/guardians are fully aware of the risk.

 

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Comments

  • Avatar
    Lorinda Nelson

    After reading the Insurance Faqs I would like to ask a further question about Harness Installation. I understand that the person installing the harness needs their own insurance, can you please let me know the requirements for this type of insurance that is accepted and also does Skate Canada havea policcy outlining the information about the harness itself and any requirements that are needed to insure it's operation is covered under the club and membership insurance with Skate Canada. Thank you!

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