Insurance FAQ 2020

1)  What other types of insurance should be considered for items not covered under the PCO policies?

A separate Directors and Officers policy should be considered for the following situations
  • If the board feels that a $2,000,000 limit is insufficient
  • If the board feels they have a Cyber or data breach exposure.
  • If the Organization has any employees
  • There is a need for legal guard (legal helpline) coverage
If significant assets are owned, appropriate property damage / loss insurance should be considered. Other exclusions under the PC policies include those related to: data, terrorism, asbestos, fungi, and, abuse, or molestation.
 

2)  How do I request a certificate of insurance?

Certificate requests must come from an Individual authorized by the Organization for such purpose and can either be emailed to athomson@toolepeet.com or by clicking the following certificate request form link HERE. Please provide the name and mailing address of the company or organization that is requesting it.  It can be made available in French if requested from Toote Peet.
 

3)  What is the process for a Sport Accident Claim?

Where there is an accident that results in a claim, please complete the claims form.  The insurer must receive notice of your accident within 30 days of the accident date and receive claim documentation within 90 days.   Send the originals along with initial receipts within the time periods specified to:
Toole Peet & Co Limited, P.O. Box 4650, Station C 1135 17 Ave SW, Calgary, AB T2T 5R5
 

4)  Why am I required to sign the Liability Waiver before joining or renewing with my Organization or with PCO?

The Liability Waiver was prepared by a law firm experienced in the field of sports law, as requested by our insurer. The signing of the Waiver is mandatory for membership as it is required to be signed electronically by the member when they first sign into their member profile on the PCO website.  It is multi-purpose including:    
a.    Risk awareness - the Waiver reinforces the fact that there are risks associated with playing pickleball as is the case for all sports.  Members need to be aware of these risks and take positive action to reduce their likelihood of occurrence by playing safely, within their limits and with proper preparation.
b.    Preventative - the Waiver conditions reinforce for the member that they should not play in facilities or under conditions that they consider unsafe for them.
c.    Individual protection - we unfortunately have become a litigious society. With the Waiver being signed by you and all others you’re playing with, it can be used by you and/or the insurance company to defend against a claim from another player or a third party if, for example, injury results from a serious collision between two of you.
d.    Organizational protection - similar to individual protection, your Organization (club, provincial organization and/or national organization), if named in a multi-party claim, is afforded the ability to defend such a claim. If Organizations allow non-PCO members to play at their facility as guests or for orientation, etc. the Organization must have a similar waiver for them to sign. 
 

5)  Why should we Sanction our tournament when tournaments are an Authorized Activity and therefore insured?

Insurance coverage is only one of the many benefits of Sanctioning a Tournament as discussed in-depth under Tournaments.
 

6)  Can I get a reduction in my dues if I don’t want or believe I need insurance?

No. Dues are minimal. Coverage is priceless. Hopefully you will never need it.
 

7)  When would a privacy waiver be needed and why? 

 A separate waiver tailored to your specific province should be put in place as laws vary between provinces. A sample waiver may possibly be modified to suit your specific provincial requirements.
 

8)  Our Organization already has a general commercial liability policy in place.  Is there any additional value from coverage under the PCO policies?

Yes. The Sports Accident policy is generally not included in the usual coverage packages that Organizations get. Also, there may be a duplication of items under the Liability policies that may cause settlement problems. Each situation is different, so a review should be undertaken by you to ensure you have proper coverage at the lowest possible cost.
 

9)  Who do I ask if I have insurance questions?

Contact insurance@pickleballcanada.org 

Note: The preceding responses to the FAQ's are not intended to change, modify or alter policy terms, provisions, conditions or exclusions.
 

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