Our clients include commercial businesses, non-profit organisations and member-owned clubs. We can provide cover for:

• Aerobics studios, fitness clubs and spas



• Agricultural fairs, exhibitions and trade shows



• Amusement parks



• Arenas, skating rinks



• Athletics, track and field clubs and events



• Bands including marching bands



• Billiard and pool halls



• Bingo halls



• Boating including canoeing, kayaking



• Bowling centres



• Camping and campgrounds



• Carnivals, rides and amusement devices



• Children's indoor playgrounds



• Golf and country clubs



• Figure skating clubs



• Ice hockey and skating rinks



• Indoor climbing centres including portable climbing walls



• In-line skating



• Laser tag mazes



• Martial arts and self-defence clubs



• Music festivals and concerts



• Parades, tournaments and other special events



• Racquet, squash and tennis clubs



• Rafting



• Roller-blading rinks



• Soccer clubs



• Sports clubs, leagues and tournaments



• Student unions and associations, including fraternity houses



• Tractor pulls and demolition derbies



• Wilderness and adventure touring, outfitters and guides, including ocean kayaking and dog sledding



• Zoos, game farms and exotic animal shows

We can provide cover on an annual basis or for short-term single events, such as concerts, parades or tournaments.

Standard cover includes:

• Occurrence form available for most risks — claims-made form also available



• Premises, operations, product liability and acts of independent sub-contractors



• Bodily injury, including cover for injury to participants and spectators



• Personal injury, including false arrest, invasion of privacy, wrongful imprisonment, libel, slander and discrimination except where prohibited by law)



• Defense expenses in addition to policy limit



• Broad-form property damage including loss of use



• No errors and omissions (E&O) exclusion in most cases



• Environmental exclusion — hostile fire form



• Policy territory includes incidental U.S. exposures



• Cover for intentional injury in defence of property or persons



• Non-owned automobile cover



• Incidental malpractice cover for liability arising from emergency first aid treatment



• Contingent employers liability



• Tenants legal liability — named perils or all risks cover available



• Blanket contractual liability cover



• Elected officers, referees, coaches and other volunteers also insured



• Your directors, officers and employees included as insureds



• Members or event participants may also be included as insured parties in certain cases



• Non-owned watercraft up to eight metres in length



• Automatic 30-day cover for newly acquired companies



• Attached machinery coverage on automobiles



• Cross-liability & severability of interests

• We can usually offer broad gradual pollution cover for qualifying risks, including the historical hazard.



• Cover is usually written on a scheduled-premises basis, but may be written on a blanket basis for contractors, waste management and commercial premises risks.



• $10 million limit available.



• Sorry, we can't write service stations with underground tanks.

• Capacity up to $25 million for most risks.



• Cover for out-of-country tournaments and other foreign trips or venues is also available



• Environmental cover for sudden events on a 120 hour form (IBC2313)



• Advertising liability cover



• Employee benefit liability cover



• Property and crime covers for a wide range of risks, including seasonal, frame and unprotected club premises



• Our fitness club program offers property, crime and liability insurance for a wide range of indoor club premises including:
  • Aerobics and Pilates Studios
  • Fitness Clubs
  • Gyms
  • Spas
  • Racquet and Squash Clubs
• Cover is suitable for commercial club premises and member-owned facilities

  Fitness Club Program

  Cover for special events

  We have considerable experience in handling special events, from large international sport meets to community based events.

  • We provided CGL insurance for the 1998 Pan Am Games Winnipeg. 6,000 athletes participated in the games. 65,000 spectators attended the events which were run with the aid of 15,000 volunteers
  
  
  
  • We insured the 1997 Police and Fire Games in Edmonton attended by 6,500 athletes
  
  
  
  • Every weekend we provide insurance for several tournaments, parades, concerts, music festivals, conventions, or trade shows.

All Sport is Canada's leading provider of insurance services to national, regional and local amateur sport associations.

They are also the leading national writer of user group covers, which provide automatic cover for users of municipal, school and other publicly owned premises including arenas, gymnasia, theatres and halls.

The All Sport program can combine CGL cover, including participant liability, D&O, member AD&D, medical and dental covers for members and competitors.

For more information, please contact Murray Morrison.

www.allsportinsurance.com

• We can usually offer broad gradual pollution cover for qualifying risks, including the historical hazard.



• Cover is usually written on a scheduled-premises basis, but may be written on a blanket basis for contractors, waste management and commercial premises risks.



• $10 million limit available.



• Sorry, we can't write service stations with underground tanks.

Contemporary case law is shifting the risk of compensation for such injuries away from the victim. This shift increases the financial risk of others involved in sport whether amateur, professional or commercial.

The main legal defence in sport injury cases is the rule of implied assumption of risk. Usually, sport participants are presumed to accept the risk of injury associated with their sport. But in several landmark cases, the courts have failed to enforce this defence in actions against national and provincial associations, local leagues, coaches, referees, arena operators, and even opposing players.

We are alarmed by the escalating damages awarded here in Canada for sport injury cases, especially awards for serious injuries which have reached staggering proportions.

The threat of under-insured litigation can cause havoc with your clients financial stability. Their ability to borrow, build and attract members or customers can be compromised. It may become much more difficult to attract and retain top quality directors, executives and coaching staff.

The uncertainty of injury litigation may be especially difficult for non-profit organizations, who, unlike businesses, cannot "earn" their way out of the cost of litigation.

Because the damages at stake are so high, it is vital that suitable insurance is available to defend everyone who may be named in a suit. Fortunately, the commercial property and casualty insurance market is highly competitive so it is possible to deliver broad cover and competitive terms.

Not all general liability policies are alike, so cover should be purchased with great care. Insurance for sport, leisure and recreation risks should:

Provide sufficient limits. $1 million is no longer sufficient. $5 million or $10 million is better, more if affordable Cover participant injury. The insurer may recommend or require securing a suitable liability waiver agreement with each player (or their parents, in the case of young players) Cover spectator injury Provide cover for all officials and volunteers. The standard CGL is designed for corporations and does not name such officials and volunteers unless specifically endorsed therein. The policy may also name players whilst engaging in competition in addition to officials and volunteers. The cost to include such players may increase the cost of cover significantly. A cross liability provision is also necessary to provide cover for participant-to-participant injuries Include incidental malpractice cover for liability arising from emergency medical aid Cover all activities of the organisers including out-of-season activities and fund raisers, social events such as end-of-season banquet, with no restriction for liquor liability For single event cover such as a hockey tournament, the policy period should be long enough to include all pre- and post-tournament activities Cover activities such as competitions and tournaments away from the normal locations, including transportation exposures (non-owned automobile), and any out-of country exposures Cover tenants legal liability for damage to rented premises Provide directors & officers liability (D&O) insurance for non-bodily injury and property damage risks. In addition to liability insurance, consider obtaining cover for employee dishonesty risks with sufficient limits to recognize severity.

Student groups count on the college for a member or community base and for access to or use of college facilities. In turn, the college needs the student groups to fulfil functions or provide services which the college might otherwise have to provide. The result is a college environment enriched by the diversity of interests, views and experiences which the groups offer.

Student groups and their organisers may be held liable for bodily injury or property damage caused as a result of their activities.

To make sure the groups have the financial wherewithal to deal with these liabilities, the college will normally expect the groups to obtain and provide evidence of suitable General Liability (CGL) insurance. This may be relatively easy for the chess club and the astronomy society. At the other extreme, the ski club or the sport parachute club may find that liability insurance is subject to availability and affordability issues.

Usually, student groups are not included in the colleges CGL insurance cover. The college should require student groups to provide evidence of insurance and may also inspect the policies for coverage defects. Losses arising from the activities of student groups may fall to the college if the group has incomplete or insufficient coverage.

Losses which come to the attention of the college should be reported to the college's insurers promptly as well as the insurers for the student group. The student group's insurer will normally assume responsibility for defending losses which arise from the groups activities, although the college will probably be liable for injuries arising from defects in the premises or other services provided by the college or its staff.

Student groups are urged to be as conscientious about risk management issues as the college is. Sometimes the college's risk management efforts don't reach all the way down to the student groups. They should also be aware that risk management issues have a direct bearing on issues of availability and affordability.

Our "Student Group CGL" policy combines cover for the student union and all scheduled student groups in a single policy. The policy provides broad cover for all activities on and away from campus. The premium can be apportioned between the groups and is much more economical than separate policies. Cover can be extended to include occasional users and banquet liquor liability risks. In addition, we write covers for fraternity houses.

The college enjoys the security of a single policy providing broad cover and generous limits for all the subscribing groups. Scrutiny of many individual policies or certificates of insurance is avoided.

He could not identify which member of the foursome had been involved in the altercation, so he pursued a legal action for damages against the course marshal and golf course.

In June 1998, the B.C. Supreme Court ruled that the course marshal had been ably handling the dispute and there was no need for the plaintiff to intervene. Neither the golf course nor its employees had created any dangerous situation that gave rise to the plaintiff's actions so the court rejected the golfer's claim for damages.

The plaintiff sued the school board, the teacher who was running the class and the city which owned the pool.

In April 1998, 6 1/2 years after the accident, the school board and the city negotiated a settlement with the plaintiff. The parties declined to disclose the amount of the settlement, but the plaintiffs lawyer, who sought over $10 million in damages for his client said he was satisfied with the settlement.

The court heard much conflic­t­ing testimony about the nature of the check. The plaintiff contended that the check was from behind, hence an illegal check, whilst the defendant con­tended that it was a legal, shoulder-to-shoulder check.

On the evi­dence, the trial judge decided the case in favour of the plaintiff and awarded about $4.2 million in dam­ages in August 1995. William Zapf vs William Muckault.

The defendants appeal to the BC Supreme Court was heard in April 1994. The appeal was unsuccessful, and resulted in additional damages of about $360,000 adjudicated against the defendant Webber, and the attendant cost of the appeal. Unrah vs Webber. April 1994 (B.C.)

The parties agreed to the settlement in March 1992. The amount of the court-approved settlement was not disclosed but the plaintiffs lawsuit sought over $8 million in damages.

The court ruled that the gym teacher exposed the girl and other students to "unreasonable risk" when he allowed them to practice aerial gymnastics without direct supervision and long instruction. Her lawyer said this is Alberta's largest ever personal injury judgement.

The boy fell from a rope about four feet off the ground, hitting his head. The lower court had apportioned liability 59% to the school board, 32% to the camp operator and 9% to a third party hired to assist in the camp.

The Appeal Court found no contributory negligence on the part of the plaintiff. The school board was held vicariously liable for the negligence of the other two parties, so in spite of the lower courts apportionment of liability, the plaintiff recovered 100% of his damages from the school board.

His lawyer sued the local intercollegiate athletic association which organized the meet. He also sued the school board which owned the school gymnasium and the manufacturer of the wrestling mats which were used for the meet.

To avoid the expenses and uncertainty of a trial, the parties agreed to a compromise settlement. The plaintiff will receive about $1.1 million, half up-front and the balance to be used to purchase a structured settlement. If the plaintiff lives to age 70, the annuity proceeds will be over $2.5 million. The school board contributed 56% of the claim, the association paid 36% and the manufacturer of the mats paid 8%.

This case finally settled 11 years and 4 months after the accident, so all the parties likely incurred substantial legal expenses too.

The parties agreed as to damages but they could not agree on apportionment of liability. The court ruled that the City of Peterborough, which operated the arena was 75% liable for the girls injuries. The figure skating club was held 15% at fault and the coaches held 10% at fault.

The boy had been doing pull ups before gym class began at Toronto's Harbord Collegiate Institute using the cross piece of a metal frame that served as a goal for handball. The frame, which was not anchored to the floor, fell and crushed the boy's head.

The judgement was awarded after a six-week jury trial in Ontario Provincial Court. Lawyer Paul Jewel argued that according to the custom of filial piety in the Chinese community it is a son's responsibility to look after his parents in their old age. The boys family are originally from Viet Nam. They immigrated to Canada from Hong Kong. The jury recommended the large award because "the boy was just an unbelievable child. He was a straight-A student and very responsible. He always looked after his sister".

"In layman's terms, it means they've gone bust," said a spokesman for the administrators.

The BBBC, a not-for-profit organisation, was uninsured at the time of the accident. It faces legal fees costs of around £300,000, (Cdn$750,000,) and could be bankrupted if made to pay the award. The BBBC has now been placed in administration in a bid to secure its long-term survival as the regulatory body of the sport in Britain.

The High Court found the BBBC liable for the injuries sustained by Watson during a 1991 super-middleweight world title fight against Chris Eubank. Watson was stopped in the final round of a titanic fight and collapsed in his corner.

But the court heard that there was a 28-minute delay before he received medical treatment - 14 minutes before being stretchered out of the ring and another 14 minutes before he was treated at a nearby hospital. He suffered permanent brain damage, remains paralysed down his left side and will never work again.

The court concluded that Watson would have made a good recovery if a doctor skilled in specialist emergency treatment had been at ringside.

The board argued that it owed Watson no legal duty of care, and even with that treatment he would still have suffered the same level of disablement from the fight. But afterwards, the board overhauled its safety procedures, including the presence of an ambulance and paramedics at fight venues and the availability of full resuscitation equipment at ringside with fully trained personnel.

The board's counsel said it was a landmark decision. It is the first case in Britain in which a regulatory body authority has been held liable for the negligent failure to regulate, resulting in damages.

The advertising campaign is still the subject of a legal action by the wire service that owns the rights to the original image. The Canadian Press (CP) and its commercial photo company, CP Picture Archive, are also suing Wrigley Canada Inc. and the advertising agency for copyright infringement and damages.

CP contends that the advertising firm requested photos of Bédard, including the image in question—a shot of her competing at the 1998 Winter Games in Nagano, Japan— and later returned them, saying they would not be needed.

A lawyer representing the wire service said there has been no settlement in that case. CP is seeking several hundred thousand dollars in damages, as well as their legal costs.

Watson was carried from the field in agony. His leg was broken in five places and it was thought that he would never play again. After five operations surgeons inserted a 7in metal plate into the leg and he endured many months of painful rehabilitation.

The injury ruined Watson's hopes of a move to the more lucrative Premier League. He was out of the game for the rest of that season and for the entire 1997-98 season.

Louise Bonham suffered a head injury which left her disoriented and depressed for a considerable time and other physical injuries.

At the time of the accident, Bonham was Australia's female Ironman Champion. She had been chosen to compete in the Olympics and had plans to compete in Europe, Vancouver and Chicago. But the accident interrupted her professional athletic career. Although she did recover sufficiently to return to competition and to win some events, she was eventually forced to retire from competition.

Liability was not in dispute, but the parties could not agree on damages. The court awarded Bonham $575,892 for past loss of income and $430,920 for loss of future income, which was the amount she expected to earn in the next two years of world-class competition.

The court also awarded her $130,000 for general damages and $19,433 for special damages. In total, damages were $1,156,245 plus interest.

Frank Chapple, who gouged Mellanby's left forearm with a broken glass during a brawl at a bar in Gravenhurst, Ontario in August 1989, was held 50% responsible for the $521,043 judgement. Mellanby was held 35% because he should not have fought and by doing so, he must be taken to have risked the possibility of injury. The bar was liable for the remaining 15%. Chapple was unable to pay his share of the damages, so under Ontario's contributory negligence rules the bar and its insurers paid the full award, for about $750,000 including interest and defense expenses.

Seles was ranked No 1 in the world at the time of the attack, and was sidelined for 27 months after being stabbed in the back during a break in a match at Hamburg on April 30, 1993. A fan of Steffi Graf, Seles' German rival, was convicted and received a two-year suspended sentence.

The suit blamed the German Tennis Federation for lack of security and sought US$15.7million massive damages for lost income. Seles' lawyer argued that the Federation, who organised the tournament, did not provide basic security and no action was taken to stop the attack.

The court dismissed the civil suit and ordered the tennis star to pay the costs of the court proceedings.

The lawsuit, filed in Munich, Germany, alleged that the FIS and Race Directors responsible for Maier's death. Maier, a former world champion, broke her neck in the 100 km crash in January 1994 at the Garmisch-Partenkirchen course in southern Germany.

McKichan claimed his goaltending career was cut short when Twist deliberately injured him in a minor- league game six years ago. McKichan, a goalie for the Milwaukee Admirals of the International Hockey League, went to hospital after Twist slammed into him during a game.

At the time, Twist was playing for the Peoria Rivermen, then the Blue's top minor-league team. McKichan sued Twist and the Blues, claiming that the illegal hit caused a severe neck strain, partial vision loss and other injuries that ended his chances for a career in the National Hockey League.

Twist, who was dismissed as a defendant shortly before the trial began, has gone on to a lucrative NHL career, largely because of his prowess as a fighter. In seven seasons, he has scored six goals and racked up 767 penalty minutes.

The temporary footbridge collapsed as the 373-member Australian team was crossing to enter the gala opening ceremony of the quadrennial games in July 1997. Israeli games and insurance officials estimate the personal accident and third party insurance policy may not be sufficient to compensate the injured athletes.

However, senior insurance industry sources believe the insurance ceiling may not be high enough to cover the compensation. Several of the injured Australians will remain permanently disabled and will each claim millions of shekels compensation for loss of income, rehabilitation, and other expenses.

Even athletes who were slightly or moderately injured are expected to claim large sums in compensation.

A chain reaction began when a sudden stop caused one chair to slide down the cable running into another. Some chairs dislodged completely, and fell 25 metres into the rocky crevasse below.

A coroners' inquest recommended that new engineering requirements, safety codes and personnel training may be needed to cope with the latest high-speed lifts currently in use in North America. No legal claims have reached the courts yet but we estimate this multiple injury accident will cost $8 million or more.

One ski instructor, Stuart Diver was rescued from the rubble some 60 hours after the landslide, but searches with thermal-imaging and sound-monitoring equipment failed to detect any other survivors.

Witnesses said that if the accident had occurred only a few minutes earlier, the injury toll could have been much more serious.

The information in this web-site is intended to be general in nature and should not be construed as specific recommendations, nor as a substitute for the advice of a professional insurance broker who is familiar with a clients particular exposures or circumstances.

The coverage summary should not to be construed as an insurance policy or the interpretation of an insurance policy.

Liability claims for this class of business may often follow months or years after the event itself. Failure to report an incident promptly may jeopardise the Insurers investigation and defence of a subsequent legal action.

To avoid the risk that individual losses may be denied as a result of late reporting, we would encourage you to report all such incidents promptly.

Please note if your policy is written on a claims-made form, the policy contains certain restrictions that limit the reporting of losses after the policy has expired.