General Liability Insurance
The CSIA third party liability policy is insured through Lloyd's of London. 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 does 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 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.
Accident, Death and Disability Insurance
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.
For any questions relating to the General Liability or the Accident, Death and Disability coverage, please contact Ms. Frances Dion at 1 800-811-6428, Ext. 231 or by email at firstname.lastname@example.org
Travel Insurance Program
Looking to enjoy your skiing experience with peace of mind?
Travel Insurance Program with SecuriGlobe!
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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.
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Home and Auto Insurance Program
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