Cycling Canada

National Insurance      Program  




Liability Insurance

What is Commercial General Liability Insurance?

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.


What activities are covered?

All sanctioned and approved cycling activities. All activities must be documented and approved by the Provincial Association, Club President or Executive or NCCP certified Coach. If you require further clarification contact your Provincial / Territorial Cycling Association.

The following provincial / territorial associations are included in the program:

Alberta Bicycle Association
Bicycle Newfoundland & Labrador
Cycle PEI
Cycling Association of Yukon
Manitoba Cycling Association
Ontario Cycling Association
Saskatchewan Cycling Association
Velo New Brunswick


Who is an insured?

All employees, volunteers, officers, directors, coaches, managers, instructors, officials, affiliated clubs, and or teams, members. Also municipalities, government departments, sponsors and organizers but only as it relates to their involvement in a sanctioned event.

Description of Coverage

Limits of Liability

$5,000,000 per Occurrence Bodily Injury and Property Damage  

$5,000,000 Products and Completed operations aggregate limit 

$5,000,000 Non-Owned Automobile

$5,000,000 Employers Liability 

$1,000,000 Abuse Liability  

$1,000,000 Forest Fighting Expenses 

$2,000,000 Tenant's Legal Liability 

$5,000,000 Personal Injury and Advertising Injury Liability 

$2,000,000 Employers Liability 

$10,000 Medical Payments - any one person I any one accident

$1,000,000 Errors & Omissions Liability

Territory World-Wide

Examples of situations to which the liability policy would normally respond:

  • Suits by spectators and/or other non-participants should they suffer injury caused by negligence of any insured
  • Suits by participants, coaches, officials, etc. against any insured
  • Use of rented premises for practices, meetings or events

Special Provisions:

Voluntary Compensation
Head Gear Warranty
Incidental Medical Malpractice
Cross Liability Clause
Personal Injury Liability
Worldwide territory - suits brought within Canada and United States
Club Sanctioning Endorsement

What are the main exclusions?

War I Terrorism 

Fungi & Fungal derivatives 

Cyber/data corruption 

Total asbestos Absolute Pollution 

Non-members exclusion endorsement 

Punitive and Exemplary Damages 

Freestyle / Aerials / Stunts (to be referred)*

Track Construction (to be referred)* 

Host Liquor (to be referred)* 

              Cycling BC &  Fédération Québécoise des Sports Cyclistes

*Note: These can be referred to Holman and coverage can be arranged on an individual basis



When and where am I covered?

Association members are covered whilst participating at an approved event or activity including direct travel to and from any venue for the purposes of participating in the event. 

Am I covered whilst training?

Members are covered whilst under the instruction of NCCP certified Coach for training purposes as this is an approved activity,

Key Definitions: 


 Click here --> for Definitions



What is the Deductible?

$500 per occurrence for bodily injury or property damage

$1,000 Non-Owned Auto, Tenants Legal liability or Employee Benefits.


Does the policy provide 24 hour coverage?

No. Coverage is to and from the activity or event. Coverage is provided only while participating in Club acitivites, training programs, sanctioned events, competition and traveling to and from the program which is approved by and under the supervision of proper authority of the CC.


Is a member covered if they train on their own time?


No. Coverage does not apply to training without the PRIOR written consent of the Provincial / Territorial Association, Club or NCCP certified Coach.


Is a member covered if they train under the supervison of a NCCP certifed coach?

Yes you are covered provided you are following a written and approved CC training program signed by the NCCP certified coach? If a NCCP certified coach is not available you must have your Provincial / Territorial affliate or CC approval.

What are NCCP certified Coaches covered for?

As a NCCP certified coach you are covered for Liability, Profressional Liability and even sexual abuse claims made against you for the liabilities to third parties (including club members) that you instructed. Optional coverage is available for outsite of sanctioned activities if an individual Coach, Instructor & Trainer policy is purchased. Click here for further details.



What does abuse coverage protect me from?

This provides "occurence form" coverage against damages a club member becomes legally obligated to pay as a result of a liability loss arising out of any actual or threatened abuse, molestation or harassment whether it is physical or mental.

What do I do in the event of an accident and how do I make a claim? 

A claim form will need to be completed and submitted as soon as possible,

·         Contact Holman Insurance Brokers Ltd. 1-800-567-1279 x 1235 OR

·         Your provincial association to obtain a claim form

·          After hours please call Gameday’s 24 hour phone line: 1-866-931-0573

Note: The declaration on the claim form needs to be signed by a Club Official. 


Once you have completed your claim form, forward to your provincial body along with all original receipts (unless retained by your provincial health fund) and they will forward to Holman Insurance Brokers Ltd. on your behalf.


This summary does not in and of itself provide coverage and it is subject to the terms and conditions which are set forth in the policy. It is intended only to provide basic details of coverage that are fully described in the actual Policy issued. In the event of any inconsistency, the actual policy will prevail. Questions about the Policy can be directed to Holman Insurance Brokers Ltd.