This summary is intended to give an overview of the coverage provided to you through the Volleyball Canada National Insurance Policy. It is not intended to indicate the full conditions, terms or exclusion of the Policy.

  • Sanctioned Events

    The Newfoundland and Labrador Volleyball Association schools or clubs (in good standing) wanting their event sanctioned (thereby ensuring members of the Newfoundland and Labrador Volleyball Association participating in the event are covered under the Newfoundland and Labrador Volleyball Association insurance plan) will be required to complete a sanctioning form.

    Events can then be listed as SANCTIONED by the NLVA and a Certificate of Insurance can be provided upon request. For the Newfoundland and Labrador Volleyball Association to sanction your event, the organizer must ensure that all participants be registered NLVA/Volleyball Canada Members on the VRS. All other events will be listed as NON-Sanctioned and not covered under our Accident and Liability Plan.

    If you would like to sanction your event, contact Russell Jackson with the following information (Event Name, division of play, category, Male/Female, dates, location, entry deadline, fee, contact information)

  • Why Liability Insurance?

    Because no matter how careful you are, accidents happen. And you can be sued by anyone who claims injury or damages resulting from your activities. You may not be liable, but you will need to be defended in court. A liability policy will pay for this defense as well as any costs awarded against you. In short, liability insurance gives you peace of mind.

  • Who is Insured?

    Newfoundland and Labrador Volleyball Association Commercial Liability Policy and Sports Accident Policy covers our registered members (Officers, Directors, Coaches, Managers, Officials, Members, Volunteers and Employees) throughout the membership year (September 1 – August 31) but only while acting within the scope of their duties on behalf of Volleyball Canada; Newfoundland and Labrador Volleyball Association and affiliated Clubs/Teams.  Spectators are also covered under both the Commercial Liability Policy and Sports Accident

  • Activities Covered

    Members are covered while participating in Provincial and National sanctioned or approved events. These include competitive or recreational and related activities. (i.e VolleyFest-VolleyWest-VolleyCentral, Leagues, Provincial and National championships and Sanctioned tournaments, clinics, and camps.

  • Team Travel

    Parents and/or guardians are not covered under the Newfoundland and Labrador Volleyball Association insurance policy, including automobile/accident insurance. Coaches or managers are covered – but they are only covered by liability insurance for acts that occur within the scope of their duties as a coach or manager. This does not include coaches or managers acting as drivers for athletes.
    In order for all parties to be properly informed, Newfoundland and Labrador Volleyball Association recommends the following:

    • Teams traveling to and from tournaments should consider enlisting the services of a professional transportation company to avoid the possibility of personal liability in the event of an accident.
    • Parents and/or guardians who are transporting other athletes to and from tournaments should check with their auto insurance provider to ensure this transportation is covered under their insurance policy.
    • Newfoundland and Labrador Volleyball Association coaches should not offer to take personal responsibility for driving athletes at any time.
    • Parents and/or guardians who permit another parent and/or guardian to transport their athlete should equip the athlete with:

    o Medical contact information including MCP
    o Emergency phone contacts
    o An appropriate amount of food/money/clothing for the trip

    • Parents and/or guardians who permit another parent and/or guardian to transport their athlete should obtain from the driver:

    o Proof of a clean driving record
    o License plate number and make/model of the vehicle
    o Emergency contact information

    • Parents and/or guardians who are transporting other athletes retain personal responsibility for the safety and conduct of those athletes for the duration of the trip – including responsibility for getting the athletes to all games, team events, or practices – or until the athletes’ parents and/or guardians arrive to take personal responsibility for the athlete.

    Newfoundland and Labrador Volleyball Association recommends volleyball teams traveling to and from tournaments enlist the services of a professional transportation company to avoid the possibility of personal liability in the event of an accident.

  • Certificate of Insurance (COI)

    Newfoundland and Labrador Volleyball Association requires all clubs/teams to register with Newfoundland and Labrador Volleyball Association and Volleyball Canada prior to issuing Certificates of Insurance.

Commercial General Liability

  • Coverage
  • Each Occurrence
  • Annual Aggregate (Products & Completed Operations)
  • Personal Injury
  • Advertising Injury Limit
  • Limited Abuse Liability
  • Medical Payments (Per Person)
  • Tenants Legal Liability
  • Non-Owned automobile – SPF#6 (Liability)
  • Legal Liability for Damage to Hired Automobile
  • Employee Benefit Liability
  • This Quote is Subject to:
  • Each Occurrence Deductible
  • Tenants Legal Liability Deductible
  • Director’s and Officers Liability (Wrongful Acts)
  • Employment Practices Liability
  • Participants Sport Accident Coverage
  • Including:
  • * Accident Death & Dismemberment
  • * Accident Dental Expense
  • * Fracture Indemnity
  • * Repatriation Benefit
  • * Family Transportation Benefit
  • * Emergency Transportation
  • * Out of Province Excess Medical
  • * Home Alteration and/or Vehicle Modification Benefit
  • Amount
  • $15,000,000
  • $15,000,000
  • $15,000,000
  • $5,000,000
  • $1,000,000
  • $2,500
  • $5,000,000
  • $5,000,000
  • $50,000
  • $1,000,000
  • This Quote is Subject to:
  • $1,000
  • $1,000
  • $5,000,000
  • $5,000,000
  • $2,000,000 Aggregate
  • Including:
  • * Dentures, Hearing Aids
  • * Eye Glasses & Contact Lens Expense
  • * Special Treatment Travel Expense
  • * Rehabilitation Benefit
  • * Babysitting
  • * Tuition benefit
  • * Part-Time Youth Wage Loss
  • * Prosthetic Appliances
  • Coverage
  • Each Occurrence
  • Annual Aggregate (Products & Completed Operations)
  • Personal Injury
  • Advertising Injury Limit
  • Limited Abuse Liability
  • Medical Payments (Per Person)
  • Tenants Legal Liability
  • Non-Owned automobile – SPF#6 (Liability)
  • Legal Liability for Damage to Hired Automobile
  • Employee Benefit Liability
  • This Quote is Subject to:
  • Each Occurrence Deductible
  • Tenants Legal Liability Deductible
  • Director’s and Officers Liability (Wrongful Acts)
  • Employment Practices Liability
  • Participants Sport Accident Coverage
  • Including:
  • * Accident Death & Dismemberment
  • * Accident Dental Expense
  • * Fracture Indemnity
  • * Repatriation Benefit
  • * Family Transportation Benefit
  • * Emergency Transportation
  • * Out of Province Excess Medical
  • * Home Alteration and/or Vehicle Modification Benefit

Sport Accident Insurance  
Sport Accident coverage applies within Canada only. Coverage extends to accidental bodily injury or death sustained by an Insured due to external violent, sudden, fortuitous causes beyond the Insured’s control, occurring while the insurance is in force while participating in sanctioned Association events.
**Travel Medical must be purchased for any out of country exposure.**

How long do I have to report a Sport Accident Claim?
You have up to 30 days to report a Sport Accident claim, but you should report as soon as possible by submitting the “Athlete Accident Claim Form” to either K & K Insurance or Bradley’s Commercial Insurance. You do not have to wait for all your receipts before submitting a claim. Once your claim file has been opened, any receipts can be submitted on an ongoing basis up to one year after the accident date.

If I have other insurance, do I submit my receipts to that company first?
YES, any provincial health insurance or employee benefits insurance plan would be PRIMARY to the Association’s Sport Accident insurance. Therefore, you should submit your receipts to that plan first, but do complete and send the  claim form to either K & K Insurance or Bradley’s Commercial Insurance within the 30 days to have the claim registered. Question #10 on the form asks if there is any other insurance in force. This will indicate to K & K that the balance of the receipts not paid by the primary insurer will be forwarded once all other insurance is exhausted.

How long can I claim medical expenses for a sports accident injury?
Up to one year from the date of the accident.

Claims Handling Procedures

Liability Claims
In the unfortunate event of a serious injury or Statement of claim please submit immediately an incident report and any legal documents obtained to:

Bradley’s Commercial Insurance
1456 Stittsville Main Street
P.O Box 1234
Sittsville, ON K2S 1B3
Tel: (613) 836-2473 or 1-800-567-5996
Fax: (613) 831-1672
Email: dsim@bradleysinsurance.com

Sport Accident Claims
In the unfortunate event of a Sport Accident injury please complete the formand submit along with the Physician’s report (if provided) within 30 days after the accident to: Please contact the NLVA for the injury form at nlvaruss@sportnl.ca

Bradley’s Commercial Insurance
1456 Stittsville Main Street
P.O Box 1234
Sittsville, ON K2S 1B3
Tel: (613) 836-2473 or 1-800-567-5996
Fax: (613) 831-1672
Email: dsim@bradleysinsurance.com