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The ABA purchases insurance through Gallagher Insurance.

 

All information, explanations and forms can be found at the Canada Cycling Insurance program website found here.


Insurance Town Hall Recording 


Insurance FAQ

I'm Injured, now what? How to report a claim

If an incident and / or accident occurs, it must be documented and recorded immediately.

If there is personal injury or property damage the ABA must be notified immediately.


1. Immediately after an incident, submit a Sport Injury Report Form

    • Can be submitted by a Club Director, Ride Leader, Parent/Guardian, Team Manager, Organizer, First Responder or Injured Athlete
    • Must be submitted immediately after incident (ABA must file with insurance provider within 30 days)

2. Have medical expenses as a result of an incident during a sanctioned activity? Contact the ABA Office to obtain a Sport Accident Claim Form.

    • Claim form must be filed by the ABA with the insurance provider within 90 days of incident.
    • Only medical expenses which occurred in Canada are covered, and coverage is applicable after Provincial Health Care Coverage and any existing medical benefit policy the member has access to has been exhausted.
    • Even if you have the above coverage items, it is recommended to submit an accident claim form within the 90-day period to ensure outstanding medical expenses may be eligible to be claimed.

3. Email the completed Sport Accident Claim Form (Including Physician's Statement) to The ABA.

    • We will confirm the incident took place during a sanctioned activity and submit the form on your behalf.

4. A representative from the insurance company will reach out to the injured member.

    • Someone from the insurance company will reach out to the injured member for next steps (usually within 5-10 business days).

An ABA Accident Report should be the minimum level of documentation. Additional documentation of witness statements, list of names involved, photos of the scene would make an exceptional report. Reporting should be as in depth as possible as most litigation is brought forward years after the incident when club members with a memory of the incident might not be around anymore.

  • Once complete the Accident Report emailed to info@albertabicycle.ab.ca . Forward any correspondence relating to the potential claim
  • void speaking to the claimant or their representatives, as this could prejudice the outcome


Resources:

Cycling Insurance Program

 

Insurance Forms/Waivers:

Download Membership Waiver- Adult

Download Membership Waiver- UNDER Age of Majority

Single Event License -Adult

Single Event License- UNDER Age of Majority



Additional Travel Medical:  Canadian Athlete Insurance Program (CAIP)

CAIP Enrollment Form
CAIP Medical Insurance Summary



For further information on program please contact:

M. Kirsch Financial Services
Tel: 514-636-5351
caip@mkirsch.ca
http://www.mkirsch.ca

 

Organizer Insurance:

Organizer insurance forms and information can also can be found here

Liquor Liability Supplemental Application

Insurance Certificate/Commercial Event Insurance


 Alberta Bicycle Association Insurance Coverage


Overview

Insurance for our cycling members is arranged through a collaborative effort between a number of provinces in Canada. Provinces under the program include Alberta, Yukon, Saskatchewan, Manitoba, Ontario, New Brunswick, Newfoundland & Labrador and PEI.

There are several different types and levels of insurance available under this policy, each with its own use and purpose. Most of this coverage is included as part of your membership dues. Below is a brief description of the various types of coverage and whether they are included as part of your membership dues or available for an extra fee.     ……………………………………………………...

Please note:  This is a brief overview of the policies and is not intended to replace or substitute the policy documents. Copies of the policies can be provided by contacting the office of the Alberta Bicycle Association. If you have any questions regarding the policy, or would like more clarification, please e-mail mailto:info@albertabicycle.ab.ca. We will forward your concerns to the insurance brokers to ensure that we provide you with a clear answer.

 

10 MILLION CGL (Comprehensive General Liability): Competitive Activities

Members of the Alberta Bicycle Association are covered under the 10 Million Comprehensive General Liability.  This insurance is designed to protect a person against legal responsibility arising out of a negligent act or failure to act as a prudent person would have acted to which results in bodily injury or property damage to another party. Any individual in your activity can claim damages as a result of an injury. Even though you may not be negligent in your actions, defense costs alone can be financially devastating. The policy will provide protection for both legal defense costs and any compensatory damages that may be awarded, subject to the limits and conditions of the policy, transferring your risk to an insurance policy provides you the opportunity to run your activity with peace of mind.  The higher limit is due to the   competitive nature of cycling activities. Included with club or independent membership dues

  • Registered competitive riders and competitive club members
  • This coverage applies ONLY to official club events, club-approved training plans, or ABA sanctioned races or events.
  • The coverage does not apply to training rides without the prior written consent of your club president or coach.
  • Cross training activities such as cross-country skiing, roller-blading and weight training are not covered by your ABA The policy covers only approved cycling activities.
  • Bicycle commuting and 24/7 recreational riding are not covered under this policy.
  • Bicycles and other cycling equipment are not covered under this policy.


AD & D (Accidental Death and Dismemberment)

Accidental Death and Dismemberment coverage means you would receive a lump sum payout in the event of an accident resulting in death, dismemberment, paralysis, loss of use, sight, speech or hearing under the conditions outlined in the policy. Combined with other forms of insurance, it offers an added layer of protection. A summary of this coverage is available here.

  • Included with club or independent membership dues
  • This coverage applies ONLY to official club events, club-approved training plans, or ABA sanctioned races or events.
  • The coverage does not apply to training rides without the prior written consent of your club president or coach.
  • Cross training activities such as cross-country skiing, roller-blading and weight training are not covered by your ABA The policy covers only approved cycling activities.
  • Bicycle commuting and 24/7 recreational riding are not covered under this policy.
  • Bicycles and other cycling equipment are not covered under this policy.

Sport Accident Insurance For racing Licenses

Sport Accident Insurance For Community Memberships


Personal Cycling Insurance


Participating Cycling Associations members only have insurance coverage for Liability and Sports Accident when they are participating in “sanctioned activities”. Any “activities” deemed outside the core program, would not be covered. To cover this gap, there is an optional Liability and Accident policy which fills the gap that members may purchase.

This exclusive coverage provides 24/7 coverage as a result of an accident directly arising from your use of a bicycle. Not included as part of membership dues (license).