What Insurance Does My Ski Club Need?
Organizing a ski club is a fun and rewarding pastime for long Canadian winters, but there are inherent risks.
Protect your ski club with the right insurance so you can focus on skiing because you know you are covered if there is an accident.
A Western insurance expert can help you with the process of purchasing insurance for your ski club.
What insurance does a ski club need?
Your ski club may have members, volunteers, and staff and you will need coverage for everyone involved. Even if your ski club is meant for fun and not profit, you will need several types of business insurance.
A sports insurance policy is designed for sports-related businesses; your ski club may need this type of insurance.
Your Western insurance expert will answer any questions you may have about sports insurance and which policy is best for your ski club.
Commercial general liability insurance
Commercial general liability insurance (CGL) protects your ski club from third-party injury and property damage claims. It also covers your organization’s volunteers if they are injured or injure someone else, damage the club’s property, or their actions lead to a lawsuit.
At a bare minimum, your ski club should have this type of coverage. Ask your Western business insurance how much CGL insurance your ski club should have.
Director’s and officer’s liability insurance
Director’s and officer’s insurance protects your ski club’s directors and officers from personal liability related to errors, omissions, and wrongful acts. Director’s and officer’s insurance covers legal fees and losses from various risks like allegations of negligence or mismanaged funds, wrongful dismissals, and failure to follow provincial and federal legislation.
Professional liability insurance
Professional liability insurance covers claims of errors, omissions, negligence, and failure to deliver a service as promised. Ski instructors offering training, advice, or physical movement instructions should have this type of coverage.
Sports equipment insurance
If your ski club owns ski equipment, you may want to consider sports equipment insurance. It covers ski equipment that is damaged, lost, stolen, or vandalized.
Sports event liability insurance
If your ski club is hosting events, you may need temporary coverage that is not included with standard business insurance for each event. Sports event liability insurance provides coverage for third-party injuries and property damage that can happen at events like tournaments, charity events, and parties.
Commercial property insurance
If your ski club owns or rents a building, you should add commercial property insurance to your policy.
Western has business insurance experts across the country. Fill out the online form in one minute or contact us on the phone or in branch to get help with your sports insurance journey.