The CSIA third party liability policy is underwritten through Sutton Special Risk Inc. by Sportscover Syndicate 3334, a Lloyd's of London insurance syndicate. The policy provides general liability insurance with respect to third party property damage and bodily injury claims against the CSIA. All operations of the organization are covered including administration; programs, PDP's, Regional Committees and their activities, etc.
A secondary purpose of the CSIA liability policy is to provide excess coverage for members, beyond the insurance provided by employers such as ski areas and snow schools. The CSIA policy will respond in excess of other insurance in place for current CSIA members. It will not respond as primary insurance for members or employers.
The policy may respond to defend members in several situations including while they are skiing on their own personal time or when teaching for a snow school. If a member is teaching at the time of an incident, the employer's policy will respond first to defend the member. However, if the employer's coverage was inadequate (i.e., the limit was exhausted) the CSIA policy would respond in excess of the employer's insurance. In the case of an incident while the member was skiing on his/her own personal time, the liability insurance provided as part of the member's home-owner or tenant's policy would respond first. (All CSIA members are therefore strongly encouraged to carry their own homeowner's or tenant's insurance policy). The CSIA policy would respond second (excess) if required.
The CSIA general liability insurance will not respond to cover uninsured snow schools that employ current members. Each snow school must secure its own liability coverage.
The CSIA policy will not cover CSIA members' freelance teaching activities. This activity is generally not condoned at ski resorts across Canada so members considering it are encouraged to first secure agreement with the host resort. The CSIA strongly recommends that members engaging in "freelance" or "contract" work secure independent insurance coverage. For more information on insurance coverage for Independent/freelance Instructors or for snow schools and/or ski camps, please contact Frances Dion at the CSIA Head Office at 1 800 811-6428, Ext. 231.
The CSIA liability policy provides worldwide coverage for members who are Canadian residents. Any lawsuits against the CSIA or its members must be brought within Canada for the policy to respond. Foreign members must secure their own independent insurance coverage for any activities outside of Canada.
This document is a partial summary explaining the application of our members' liability insurance coverage. It does not replace the complete wording of the policy. In the event of a discrepancy between this partial summary and the policy wording, the policy wording shall prevail.
The Accident, Death and Disability policy provides benefits in the event of an accident*. All CSIA members in good standing, under 70 years of age, are eligible to this program. Members are covered when performing the normal and regular duties, which pertain to their occupation as a ski instructor and for which they are being remunerated (while under the employment of a snow school).
*Subject to all restrictions and limitations described in the policy.
This plan also provides members with insurance while they are travelling directly to or from their residence and the premises of their duties, along a normal or reasonable route, without delay or stop-over. Members are not covered while attending courses for which they do not receive remuneration from their employer.
A claim must be submitted as soon as possible, and within the prescribed time frames of each section listed in the policy, if applicable. No claim will be valid after three hundred and sixty-five (365) days following the date of the accident or the beginning of the disability.
Please click here to view the policy in its entirety.
LOOKING TO ENJOY YOUR SKIING EXPERIENCE WITH PEACE OF MIND?
Introducing our NEW Travel Insurance Program with SecuriGlobe!
Over the years, the CSIA has received numerous inquiries from its members about travel insurance programs that could provide the appropriate medical coverage when they travel whether it be overseas or within Canada. This is why we are very excited to introduce you to our new Travel Insurance partner, SecuriGlobe.
SecuriGlobe is Canada’s largest travel insurance distributor. They offer a wide range of exclusive Travel insurance products from 15 of the largest providers in Canada. This enables them to recommend over 300 custom, adapted products, for short-term or long-term trips, for interprovincial or cross-border travel.
We know that the premiums associated with medical travel insurance outside your home province or country can be very pricy and in a lot of cases, come with restrictions pertaining to the profession of ski teaching. Regardless, whether you want to enjoy a safari in the Serengeti or not, it is always strongly recommended to purchase the appropriate Travel Insurance.
Another great advantage of this program is that protection is also available for ski instructors who wish to travel or work in Canada. You can also opt for an “All-Inclusive” package to cover your belongings. Thanks to its range of products and the exceptional quality of its customer service, SecuriGlobe is now a travel insurance leader in Canada. SecuriGlobe will give you the peace of mind you want and deserve.
Compare with over 12 travel insurance carriers in a single phone call.
Get coverage that is based on your specific needs at the best competitive rate in the industry.
• Medical expenses up to $5,000,000
• Trip Cancellation and Interruption
• Non-Medical Package
• All-Inclusive Package
Their priority is providing you with both travel protection that fits your needs perfectly and unparalleled service. Travel with peace of mind knowing you are well protected.
For a quote, please call toll-free 1-877-442-0442. Please login to your personal page to access your CSIA group ID Code.
For members residing in the province of Quebec only:
Is your current Home and Auto Insurance policy up for renewal? Why not give GPL Assurance a call for a free quote? As a member in good standing, not only do you benefit from preferential rates but you'll also enjoy their great service. For more information, please contact them at 450-978-4446 or visit their website at www.gplassurance.com.
For members residing outside the province of Quebec:
The Canadian Ski Instructors' Alliance is very pleased to introduce you to The Co-operators where you can get more value and savings from your auto* and home insurance.
As a valued member of the CSIA, you're now eligible for exceptional benefits, services, and savings such as:
- Automatic coverage for new purchases. Automatic coverage for most new insurable items at no extra charge until your next renewal date.†
- OneStep™ claims service. Hassle-free 24/7 claims service including a Claims Guarantee.
- Multi-product discount. Save even more when you insure your auto and home with us.†
Don't miss out! Visit us online to see how it pays to be part of a group insurance plan.
Proud to serve the CSIA's members! For more than 20 years Canadians have relied on The Co-operators for exceptional group auto and home insurance.
The Co-operators look forward to helping you choose the insurance coverage that's right for you.
Go online for a quote or more information. Visit www.cooperatorsgroupinsurance.ca, and enter your Group ID: SKI then select Canadian Ski Instructors Alliance. Or call a licensed insurance representative at 1-800-387-1963.
*Please note that the city of Toronto is excluded from this insurance program.
Also, find out about...Identity Theft Coverage Included in your home, condo or tenant insurance, you'll be reimbursed up to $10,000 for expenses associated with someone stealing and using your personal information for fraudulent transactions. Visit www.cooperatorsgroupinsurance.ca.