FAQ Group: Insurance FAQ

A certificate of insurance is proof of coverage.  It is often requested by an organization or facility (e.g. school or community) when an authorized activity or event is held on their premises.

A limited form of Directors and Officers ($1,000,000 limit) is now included in the coverages provided by the PCO. Member boards are covered for a wrongful act committed within Canada arising out of the conduct of their board.

A separate Directors and Officers policy should be considered for the following situations

• If the board feels that a $1,000,000 limit is insufficient
• If the board feels they have a Cyber or data breach exposure.
• If the club 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 

Authorized Pickleball Sports Activities:

EVENT	NOTES & CONDITIONS
Scheduled and unscheduled play at a Pickleball Canada affiliated club by a  Pickleball Canada Member.	Including all warm ups, games, play, In-House or Inter-Club tournaments, demonstrations, instructional**, practice sessions and rest periods as defined by the IFP rulebook. **Please note: clinics from other than Pickleball Canada certified coaches/instructors (private coaches MUST have their own coverage)
Tournaments – Sanctioned and Supported	Please refer to Tournaments Overview *** NOTE: From a sports insurance and risk management perspective, tournaments and sports meets represent a higher than normal risk of injury and related lawsuits due to the elevated level of competition, the number of people in attendance and level of play that typically takes place at such events. Tournaments are made up of multiple teams playing at the same time, which entail more players, spectators, administrators, coaches, etc. than attend regular-season games and events. Events with such crowds can typically include food vendors, photographers, sportswear and sports equipment vendors, and volunteers monitoring entrances, parking lots, registration areas, and first aid stations. Tournaments also can include unrelated activities such as  playgrounds, music, face painting and other forms of entertainment. Tents, canopies, stages, booths and other temporary structures also are often required for tournaments/meets, which always present the possibility of collapse. Grills, fryers and electrical equipment for food vendors are potential hazards, as well.
AGM’s, Board Meetings and other business meetings	As held by affiliated clubs and Province/Territories where alcohol consumption is not involved.

For Commercial General Liability and Director and Officers claims, it’s $500. There is no deductible for Participant Sport Accident claims.

This policy will reimburse the PC member for any medical expense relating to an injury incurred during a PC-Authorized Pickleball Sports Activity (see FAQ #5).  A benefits plan through an employer or provincial health care plan will be your primary coverage. If you do not have a benefits plan, this policy can be used to pay first dollar. Please click HERE for a schedule of the coverages and limits.

We encourage you to read and abide by How to Prevent Sports Injuries article 

This covers and defends PC and its members (affiliated clubs and organizations, and individuals) against a third-party property damage claim or bodily injury to a third party.

PC’s insurance program includes a $5,000,000 Commercial General Liability policy as well as a $10,000 medical expense reimbursement policy referred to as a Participant Sport Accident Insurance policy and $1,000,000 coverage for Directors and Officers/Wrongful Acts.