Insurance Policy
Who is Insured?
Any Association or League registered with the provincial governing body is insured under the Liability Program offered through All Sport Insurance. The only requirement is that 100% of members within each association must participate.
Why Liability Insurance?
Because of your operations, or actions, you are open for possible suit from Third Parties. You may not be liable but you will need to be defended in court. A Liability policy pays for this defense as well as any costs found against you. Legal fees can be very expensive and this can be an affordable way to have them covered. This policy covers your legal liability for bodily injury to or damage to property of others such as spectators, passers-by, property owners and others resulting from your activity.
In addition, your legal liability for injury to participants is covered.
Activities Covered
Consists of sports events sanctioned or authorized by you and all related training activities authorized by you.
Who is Covered?
All members of Manitoba Lacrosse, including Executives, Managers, Coaches, Trainers, Officials, Volunteers and Employees while acting within the scope of their duties on our behalf.
General Liability Insurance
Limit: AS NEGOTIATED
Including the following extensions:
- Premises, Property and Operations
- Products and Completed Operations
- Blanket Contractual
- Personal Injury (libel and slander)
- Employees, as Additional Insured
- Cross Liability
- Non-Owned Automobile (in most cases)
- Tenants Legal Liability $100,000
NB: Costs and coverage vary according to needs.
Sport Accident Insurance
Coverage for practices, games, team travel. One plan covers all participants, managers, coaches, executives, and field officials throughout the entire season.
For each separate accident the Plan pays:
Dental - Up to $10,000
For dental treatment resulting from injury to whole and sound natural teeth and received within 52 weeks of the accident.
Accident Reimbursement - Up to $25,000
For costs not insured by Provincial Medical Plan, including crutches, splints, medical braces, emergency ambulance, excess physiotherapy, prescription drugs for the injury, etc., incurred within 52 weeks of the accident.
Principal Sum Benefits - Up to $50,000
In the event of Loss of Use of Hands, Arms, or Legs: Quadriplegia, Paraplegia, Hemiplegia; Loss of Speech and Hearing or Dismemberment occurring within 52 weeks of the accident (benefit as scheduled).
Accidental Death - $25,000
In the event of accidental death occurring within 52 weeks of the accident:
- Fracture Indemnity Benefit - up to $500 paid for fracture of bone or bones (including chip and linear fractures).
- Rehabilitation Indemnity Benefit - up to $5,000 for special occupational training required due to an accident.
- Tuition Fees Reimbursement - up to $5,000 for tutorial services made necessary by post-accident confinement.
- Emergency Transportation Benefit - up to $100 for transportation from arena or field to nearest hospital or doctor's office.
- Eyeglasses and Contact Lenses Expense - up to $200 for repair or replacement of eyeglasses or contact lenses when damage results from an accident which required the Insured Person to receive treatment by a physician or dentist
Limitations and Exclusions
No benefit shall be payable for any loss resulting directly or indirectly, wholly or partially from any of the following causes:
- purchase, repair, or replacement of eyeglasses, contact lenses or prescriptions thereof (except as otherwise provided)
- sickness or disease either as a cause or effect;
- any intentionally self-inflicted injury;
- any of the hazards of aviation except while riding as a fare paying passenger in a licensed aircraft operating on a regular scheduled service between airports;
- declared or undeclared war, invasion or civil war, or any act thereof;
- service in the armed forces of any country;
- any benefits that are available under any Government Health Insurance Plan, whether enrolled in such a plan or not;
- dental and/or other expense benefits shall be for the excess of expenses payable under any other benefit plan or policy;
- and insured person who is not a resident of any Canadian province that has enacted medical Care Legislation unless stated specifically in this policy
This document of insurance is subject to and shall not contravene any Federal or Provincial statutory requirements with respect to hospital or medical plans, nor shall it duplicate any benefits which are provided under any Federal or Provincial Hospital or Medical Plans, or any other policy providing a reimbursement indemnity.
Athletic Accident Claim Procedures
- It is the responsibility of the Insured to get an Athletic Accident Claim Form from the association or club executive.
- The Insured or parent/guardian shall fully complete the claim form.
- For reimbursement of dental or medical claims, the Insured shall have the attending dentist or physician complete the applicable form.
- The Insured shall submit the completed claim form to the association or club executive for their signed certification.
- Proof of claim, including a report from the attending dentist or doctor, must be submitted within 90 days of the date of the accident.
- The association or club executive shall forward the completed claim form without delay to:
Sport Manitoba Inc.
200 Main Street
Winnipeg, Manitoba R3C 4M2
Please select the link below to print the Athletic Accident Claim form. The claim form is a PDF file and you will require Acrobat Reader to view or print it. If you don't have Acrobat Reader, you can download it for free from http://www.adobe.com.
Attending Physicians Statement
Information about Insurance Benefits
Instructions for Completing Accident Claim Forms
