Insurance
Hockey Canada knows that we have a responsibility to ensure that adequate financial resources are in place to compensate those that are injured while playing hockey. One of the benefits of being a member of Hockey Canada is knowing that you have an exceptional insurance program that has been built with the needs of its members in mind. It involves good financial management, so that funds are in place to meet claims obligations when they fall due. It also includes establishing control mechanisms so that only genuine claims are reimbursed.
With the assistance of the Hockey Canada Insurance Committee, Hockey Canada has engaged what it feels is an effective insurance carrier who knows the needs of our organization for policy coverage in the areas of commercial general liability, sexual misconduct liability, directors and officers liability, and accidental death and dismemberment coverage. A great amount of research and dialogue ensures that we are delivering effective coverage at a fair premium for our members.
The medical/dental coverage offered is a self-administered secondary insurance program that is managed by Hockey Canada. This coverage assists members who may not have private secondary coverage for services such as dental and physiotherapy to the limits set within the policy. The policy also assists members who have exhausted their limits within their private coverage to our policy limits.
Even with all of the coverage we have outlined above Hockey Canada is able to maintain a low premium. The premium is based upon the total membership of players in Hockey Canada, and by the continual focus on safety by its branches, minor hockey associations and membership. All the members of Hockey Canada have the ability to assist in keeping our exposure to a minimum by practicing risk, conduct and safety management on an ongoing basis. We need to continue to work together to stress strong skill development, effective rules and enforcement, and respect in the game. By growing our efforts in these areas we will continue to keep our game safe, recruit and retain players, parents and volunteers and deliver the strong insurance program we currently deliver.
Risk management and insurance fee rates are applicable for Minor and Female players, Level 1-3 Referees, coaches, managers and trainers/safety people. There is an additional charge for Major Medical/Dental Insurance coverage for Junior, Major Junior, Senior, and Adult Recreation players, as well as Level 4-6 Referees. These fees vary across the country depending on claims experience and individual Branches may charge a Branch Administration Fee. Volunteers and staff insurance fees are incorporated in the fees paid by players, coaches, managers, and trainers/safety people.
- Safety Requires Teamwork Booklet >
- Sanctioning Guidelines >
- Hockey Canada National Insurance Program Handout >
- Hockey Canada/Branch sanctioned events (league games, tournaments, practices, training camps, sanctioned fundraisers) when playing member teams only
- Transportation directly to and from the arena or venue.
- Accommodations while billeted or at a hotel during a Hockey Canada/Branch sanctioned hockey activity.
SECURE a branch specific Hockey Canada Injury Report Form from your team, MHA or the Hockey Alberta website.
Hockey Canada Injury Report Form >
COMPLETE the form in its entirety. Have your team official complete the team section and your Physician/Dentist complete the back of the form.
SUBMIT the fully completed form to the Hockey Alberta office within 90 days of the date of accident. You have 52 weeks from the date of injury to submit any receipts/invoices.
IMPORTANT NOTES:
- Only Injury Report Forms received in the Hockey Alberta office within 90 days of the accident will be accepted.
- Forms must be completed in their entirety or they will be returned.
- Only original receipts/invoices are acceptable. (If originals have been forwarded to a primary insurer, copies are acceptable). DO NOT FAX IN CLAIMS
- Hockey Canada is strictly a supplemental insurer. If you have access to any other insurance, you must pursue it through them first. Hockey Canada shall cover those costs not covered by your primary insurance to their policy limits.
- Depending on the nature of the incident, Hockey Canada may choose to manage claims as they see fit.
- When an injury occurs at a Hockey Canada/Branch sanctioned event, a team official should complete all pertinent information on the branch specific Hockey Canada Injury Report form. The Injury Report form should then be given to the parent and/or player for a signature, completion of the Health Insurance Information section, and obtaining the Physician Statement.
- For all teams travelling to the USA for sanctioned tournaments/games: All players MUST have some form of primary insurance to be eligible for Hockey Canada’s supplemental insurance
- To all teams acquiring players from the USA: all USA players MUST have primary insurance coverage to be eligible for Hockey Canada’s supplemental insurance.
Submit the Injury Report Form to the branch office within 90 days of the injury.
If making a claim, receipts/invoices must be submitted to the Hockey Alberta Office, citing the injury date, within 52 weeks from the date of injury.
All Injury Reports Forms and accompanying paperwork is processed through the Hockey Alberta Office before it is sent to Hockey Canada’s Head Office for final processing. All reimbursement cheques are issued from Hockey Canada’s head office in Ottawa.
FOR FURTHER INFORMATION ON COVERAGE, POLICY LIMITS AND ADDITIONAL FEATURES OF THE INSURANCE PROGRAM, PLEASE CONTACT YOUR BRANCH OFFICE.
For detailed instructions on how to submit a request for a Certificate of Insurance, please refer to the BFL Canada User Guide. Complete the Certificate of Insurance Request form in full using the online platform.
Once the request has been submitted through the online platform, it will be reviewed by Hockey Alberta and submitted to BFL for processing. Once BFL has issued the Certificate of Insurance, it will first be sent to Hockey Alberta, and then forwarded on to the requesting member.
Please note: Hockey Canada’s activities will be insured by a new insurance company starting March 1, 2023. If a third party is requesting a Certificate of Insurance for your sanctioned activities, then a new policy number, term and policy information will need to appear on the Certificate of Insurance for activities happening after March 1.
Hockey Canada’s broker, BFL Canada has made the following recommendations for how all Certificates of Insurance should be logged into the BFL Canada platform:
For events after March 1.If you already have a Certificate of Insurance valid until March 1 and the third party has requested a new one for events after March 1.
As usual, make sure to enter the correct information on the request:
Notes on "How to" on the platform
Under organization: Third party requesting a proof of insurance. It should not be the team itself, nor one of its volunteers. You can always use "To whom it may concern" if the third party is not clearly identified.
Under dates of event: Please make sure you identify the correct dates of the event.
Please allow up to 10 business days for processing.
If you have any questions, please contact Darcy Smith, or the Hockey Alberta office 403-342-6777.
