INSURANCE COVERAGE

September 2005

We are part of a National Insurance Program provided through Ringette Canada. The agent handling the coverage is B. F. Lorenzetti and Associates Inc. of Montreal.

A “Certificate of Insurance” document is available from the office for when you are required to show evidence of insurance coverage.

1. Liability Coverage is provided for all normal Sports and Social Activities administered by the Ontario Ringette Association and its member local associations. Normal activities are considered to be clinics, games, practices, training activities/camps, fundraising/promotional events, association and/or team meetings, banquets and parties, registration events and functions, etc. These events must be approved by your Association Executive to be considered Sanctioned.

   This does not cover events/functions involving the serving of alcoholic beverages. A specific insurance extension, which involves an additional fee, is required for such events/functions. Contact the O.R.A. office one (1) month in advance of the event to ensure proper coverage is in place. This only applies when associations/members are directly responsible for the serving of alcohol.

2. Sport Accident Coverage provides coverage to those who have paid dues and insurance for participating in the Sport of Ringette. Coverage is not provided for an injury while participating in other activities (soccer, running, swimming, etc.). The Ontario Ringette Association only provides basic coverage for medical expenses only. Any additional insurance is strictly the responsibility of an individual member.

3. If you are required to have your local City etc. named as an “Additional Insured” on the policy contact the ORA OFFICE with the name of the additional insured and we will make arrangements for this coverage at no extra cost.

Insurance Coverage – How Does It Work?

Liability Coverage. To be eligible for coverage the following conditions must be met:

1. Local associations must be in good standing and have paid their annual membership fees.

2. All voting members of the Association Executive must be registered with the O.R.A (dues and insurance paid).

3. Coverage for Clinics, games, practices, training activities/camps.

   • must have association executive approval.
   • all players taking part must be registered (dues and insurance paid).

4. Coverage for Day Camps/Ringette Schools/Player Clinics.

   • must have association executive approval
   • all players taking part must be registered (dues and insurance paid)
   • submitted $15.00 administration fee to ORA

The association must maintain a separate list of other volunteers, who periodically assist the association in some capacity. The association has liability coverage for the actions of these volunteers only. Dues and fees are not applicable.

Sport Accident Coverage: (Medical Expenses only)

Coverage is provided for those individuals who are registered members of the Ontario Ringette Association (dues and insurance paid). It is strongly recommended to register any person who assists with on ice activities or acts as a Bench Staff at-large for the Association.

This is supplemental coverage to your personal medical coverage. If you are injured while participating in the sport or travelling to and from an event and incur out of pocket fees and cost, the first step is to submit these charges to your personal medical provider. This is usually through your employer.

If there are charges that are not covered or go beyond the coverage limits, these are then submitted to B. F. Lorenzetti. The B. F. Lorenzetti Accident Claim Form must be filled out and submitted to the ORA office within fifteen (15) days of the accident.

Remember that if you are injured you must fill out and submit a Risk Management & Safety Incident/Accident Form (M-F-13) within two (2) business days.

Note: Registration covers the period from September 15th of one year to September 15th of the next.