Insurance FAQ's
The Alberta Basketball Association (ABA) provides comprehensive coverage for members. Below is a summary, intended to give an overview of the coverage. Click on each heading to view details.
Frequently Asked Questions
- Who is HUB International HKMB?
- What type of insurance is provided by the ABA to its members?
- What is the purpose of the CGL and Accident Insurance Coverage?
Commercial General Liability
- Who is considered an “insured” under the General Liability policy?
- What Activities are sanctioned and covered?
- What is defined as sanctioned?
- Are Club/League fundraisers covered under the General Liability Policy?
- Our club has been asked to provide Proof of Insurance or a Certificate of Insurance. What is the process for obtaining this document?
- Is a parent covered if they are driving his or her own child(ren) to an event? Is a coach covered when transporting players to a game or practice?
- Does the policy provide coverage for lawsuits alleging sexual abuse/molestation?
- Does the policy provide coverage against liquor liability claims?
- Are players insured when trying out for a team if they are not registered with that club?
Basketball Camps/Training Camps/Tournaments
- Are camps and other basketball related events covered under the ABA Insurance Policy?
- Does the policy provide coverage for out of province, within Canada?
- Does the policy provide coverage for international travel?
- Does the policy provide coverage for the club’s sports equipment & contents?
- Does the policy provide coverage premises liability for a rented office space?
COMMUNICABLE DISEASE
- Does the policy provide coverage for lawsuits alleging injury due to COVID-19 or other communicable diseases?
Accident (AD&D) Policy
- Who is covered?
- When are they covered?
- How does a participant submit a claim in the event that a participant is injured?
- What is not covered?
- Is the coverage under this policy considered “excess”?
- Does this policy contain a deductible?
Directors’ & Officers’ - Wrongful Acts
- What is the purpose of Directors’ & Officers’ Liability Coverage?
- Who is considered an “insured” under the Directors’ & Officers’ policy?
- What is the limit of insurance under the D&O Liability policy?
- What is not included under the policy?
Additional Information
Frequently Asked Questions |
Who is HUB International HKMB?
HUB International HKMB is the insurance broker responsible for arranging the insurance program for the Alberta Basketball Association (ABA) and its members.
What type of insurance is provided by the ABA to its members?
- General Commercial Liability (CGL) Insurance (def: is to protect against lawsuits from individuals alleging that the sports organization and/or its members have negligently caused bodily injury to a player or spectator)
- Accident Insurance (def: Accident Insurance pays a lump sum that can help you cover the costs associated with an injury during a sanctioned basketball event/program.)
- Directors’ & Officers’- Wrongful Acts (def: D&O policy is designed to insure nonprofit organization against lawsuits, alleging wrongful acts.)
This insurance is arranged by the ABA for its registered members and the cost is included in the registration fee paid by each member.
What is the purpose of the CGL and Accident Insurance Coverage?
The primary purpose of the CGL policy is to protect against lawsuits from individuals alleging that the sports organization and/or its members have negligently caused bodily injury to a player or spectator. The policy also covers other types of lawsuits such as property damage, personal injury (libel and slander) and Non-Owned Automobile liability. The policy does not cover expenses related to criminal charges brought against a member of the association regardless of the nature of the charge(s).
The Accident Policy is designed to reimburse a member in good standing who suffers a covered injury/ death while participating in an ABA Sanctioned Activity. The Accident Policy is designed to provide coverage to those members who do not have access to another health insurance plan or to supplement existing health insurances.
Directors’ & Officers’ Liability covers the organization and membership from “wrongful acts” in executing the administration and oversight of the various clubs.
Commercial General Liability |
There is CGL Coverage of $5,000,000 (subject to terms of the policy).
Who is considered an “insured” under the General Liability policy?
Coverage is provided for the association itself and members registered in good standing with the ABA, but only while participating in activities sanctioned by the ABA. Members are required to sign a Participant Waiver as part of the registration process for coverage to be applicable.
The Participant Waiver is part of the online process which an individual signs when purchasing an ABA Membership.
Also considered “insured” under the liability program are coaches, managers, officials, administrators and volunteer workers, but only for acts within the scope of duties performed on behalf of the ABA during the season of play.
What Activities are sanctioned and covered?
Members are covered while participating in sanctioned ABA basketball activities. ALL sanctioning decisions are made by ABA
What is defined as sanctioned?
Sanctioning definition/guidelines are as follows:
- Sanctioned Game: A game between two registered ABA teams that is officiated by two referees assigned by the local officials board.
- Sanctioned Tournament: An event approved by Alberta Basketball that consists of four or more registered Alberta Basketball teams participating in a competitive structure that results in a team playing three or more games on the dates submitted by the host club.
- Exhibition Game/Controlled Scrimmage: A game or scrimmage between two registered Alberta Basketball Teams
- End of Season Banquet: The insurance will extend to Banquets, however, there is no primary coverage for liquor exposure. The liquor service must be provided by the licensed venue.
Are Club/League fundraisers covered under the General Liability Policy?
Yes, but only those activities sanctioned and approved by the ABA.
Our club has been asked to provide Proof of Insurance or a Certificate of Insurance. What is the process for obtaining this document?
Step 1: To request a Certificate of Insurance please email; info@basketballalberta.ca with your Organization Name, address, email and contact person. If you require a facility to be noted please provide the facility name and street address.
Step 2: ABA will then email the Certificate of Insurance within 48 hours back to organization contact.
* IMPORTANT NOTE: INSURANCE CERTIFICATES WILL NOT BE ISSUED TO CLUBS WHO HAVE BEEN SUSPENDED OR HAVE OUTSTANDING FEES.
Is a parent covered if they are driving his or her own child(ren) to an event? Is a coach covered when transporting players to a game or practice?
The answer to both questions is No.
The program does not provide coverage for parents/coaches driving their children or other players to the game/practice.
Does the policy provide coverage for lawsuits alleging sexual abuse/molestation?
Yes. There is Limited Abuse/Molestation coverage of $2,000,000 (subject to terms of the policy).
Member clubs are to follow abuse/molestation protocols as outlined by ABA’s Maltreatment Policy.
Does the policy provide coverage against liquor liability claims?
Yes. There is coverage under the Liability program for defense of liquor related claims but only if:
- They arise in connection with a banquet or awards ceremony
- Must have a 3rd Party Liquor Service that is responsible for obtaining separate insurance.
- The ABA has approved or sanctioned the event in advance
- Not Sanctioned: Not Covered
- IMPORTANT NOTE: Fundraising events involving the sale/distribution of alcohol are not covered under this Liability program. To obtain separate coverage, contact ben.rossington@hubinternational.com.
Are players insured when trying out for a team if they are not registered with that club?
Yes, players are covered when participating in ABA club approved tryouts, training camps and practices whether or not they are registered with that team as long as they have purchased an ABA membership form. However, they are not covered if they play with a team that is not an ABA Member Organization.
Basketball Camps/Training Camps/Tournaments |
Are camps and other basketball related events covered under the ABA Insurance Policy?
Camps and other basketball related events are covered when they meet the specific requirements indicated below:
- The organization running the camp/event must be a registered organization in good standing with the ABA
- If not, the camp/event and those participating in will not be covered under the ABA policy.
- All participants in the camp/event must be registered with the ABA.
- Players that are not registered will not have coverage, jeopardizing the insurance coverage of the organizing club should something happen to the non-registered player.
- The ABA Policy does not extend to camps/events operated outside of ABA jurisdiction.
- Camps/events must be operated by a club or other member group in good standing with the ABA.
- If a volunteer or coach of a club is running a camp/event, the club must sanction the camp/event in order for it to be covered under the ABA Policy. It is strongly recommended that before running a camp/event, the coach or volunteer get written confirmation from the club that the camp/event is approved.
- Only basketball related activities are covered for camps.
- Neither the participants nor the organizing club would be covered under the ABA policy for non-basketball related activities at the camp/event including, but not limited to, overnight stays and other sporting activities. The club is responsible for purchasing additional insurance for non-basketball related activities at their camp/event.
- Instructors at camps/events are covered when instructing/participating in basketball related activities at the camp/event. EXCEPTION: Professional instructors, ie., instructors who derive the majority of their salary from instructing basketball, are not covered under the ABA policy.
Does the policy provide coverage for out of province, within Canada?
Yes, coverage will extend to teams who participate in a sanctioned event and have appropriate team travel insurance within Canada, may exclude Quebec.
Does the policy provide coverage for international travel?
Please visit the following site to obtain international travel medical coverage: TuGo® Travel Insurance
- Travel Medical coverage is required for ALL International Travel as well as any Travel within Quebec.
- Travel Medical Coverage is worldwide. The insured person is covered once they leave their home province. Please note that COVID-19 excluded for international travel but is covered within Canada at this time.
Does the policy provide coverage for the club’s sports equipment & contents?
No. The insurance excludes any claims alleged for damage to equipment and contents, including jerseys and basketballs. Coverage must be arranged independently by the club for a club property policy.
Does the policy provide coverage premises liability for a rented office space?
If the rented space is adjacent to an approved basketball activity venue or facility, then yes it will cover. However, if the office is in a rented or leased space away for the regularly used sports venue, the coverage needs to be obtained by the club through an office/club property policy.
Does the policy provide coverage for lawsuits alleging injury due to COVID-19 or other communicable diseases?
No. The insurance excludes any claims alleged by a registered member, coach, volunteer, or spectator with respect to communicable disease.
This extends to Sports Accident, Directors & Officers Coverage
Who is covered?
"Persons Insured" is any person, including volunteers working on behalf of the Named Insured, who is participating in a sanctioned activity.
When are they covered?
Persons insured are covered during sanctioned activities of the ABA, such as practice sessions, games or activities approved by and under the supervision of proper authority of the team, club, organization or the Named Insured and for which coverage has been declared and purchased.
How does a participant submit a claim in the event that a participant is injured?
Refer to the Accident Claim Procedure document.
What is not covered?
The policy does not cover losses directly or indirectly caused or contributed to by:
- Injury sustained while in any of the armed forces (land, sea or air) of any country or international authority;
- Intentional self-inflicted injury or attempted suicide;
- Being under the influence of alcohol or having taken drugs or narcotics unless prescribed by a legally qualified physician or surgeon;
- Injury occasioned or occurring while the participant is committing or attempting to commit a criminal act or to which a contributing cause was the participant being engaged in an illegal occupation or activity;
- Pregnancy, childbirth, miscarriage or abortion;
- Sickness or disease of any kind;
- Injury as defined in this policy, arising out of a pre-existing medical or mental condition. However, an injury, for which the treatment has not been rendered or treatment medically recommended for the past thirty consecutive months shall not be considered a preexisting condition unless otherwise specifically excluded;
- Neuroses, psychoneuroses, psychotherapies, psychoses or mental or emotional disorders of any type;
- Rest cures, sanatorium or custodial care or periods of quarantine or isolation;
- Cosmetic or plastic surgery not necessitated as a result of accidental bodily injury;
- Dental examinations, X-rays, extractions, fillings and general dental care except as a result of accidental bodily Injury;
- Routine medical examinations; and,
- Costs incurred more than one hundred and eighty (180) days after the date of the event giving rise to them.
- Resulting from, or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss or expense:
- War, hostilities or warlike operations (whether war be declared or not);
- Invasion;
- Act of an enemy foreign to the nationality of the insured person or the country in, or over, which the act occurs;
- Civil war;
- Riot;
- Rebellion;
- Insurrection;
- Revolution;
- Overthrow of the legally constituted government;
- Civil commotion assuming the proportions of, or amounting to, an uprising;
- Military or usurped power;
- Explosions of war weapons;
- Utilization of nuclear, chemical or biological weapons of mass destruction howsoever these may be distributed or combined;
- Murder or assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the insured person whether war be declared with that state or not; and,
- Terrorist activity.
Is the coverage under this policy considered “excess”?
Yes. The Medical Expense coverage is "excess" or the “second payer” and requires other collectable insurance (group medical plan, group blanket plan, governmental plan or program, or coverage provided or required by any law or statute, including automobile "fault" and "no-fault" coverage and Workplace Safety and Insurance Board) to respond first before the "excess" Accident policy will pay any benefits.
Does this policy contain a deductible?
Yes. There is a $100 deductible with respect to Accident Reimbursement Expense and Accident Dental Expenses.
Directors’ & Officers’ - Wrongful Acts |
What is the purpose of Directors’ & Officers’ Liability Coverage?
The Directors’ & Officers’ (D&O) policy is designed to insure nonprofit organization against lawsuits alleging wrongful acts. A wrongful act is any actual or alleged error, omissions, breach of duty of an insured person in the discharge of their duties (individually or collectively) within the scope of ABA.
In today’s litigious society, nonprofit organizations commonly face lawsuits for an extended list of alleged wrongdoings: Discrimination (age, race, sex, employment, membership), wrongful termination of employees, Inefficient administration or supervision, misleading reports or other misrepresentations, libel and slander, failure to deliver services, acts beyond their granted authority.
Who is considered an “insured” under the Directors’ & Officers’ policy?
The D&O policy for the ABA identifies the following as insured persons:
- All clubs, players, coaches, executives, directors, officers, officials, employees, managers, trainers registered in good standing with the ABA.
What is the limit of insurance under the D&O Liability policy?
The limit of insurance is $2,000,000 per occurrence. This limit is “shared” across the organization.
The most the insurer will pay in any one year is $2,000,000 (aggregate)
The limit of insurance “includes” costs and expenses related to defending the claim
What is not included under the policy?
Claims arising prior to the policy’s inception date or from:
- Securities Liability
- Professional Services
- Falsity of Documentation
- Third Party Body Injury/Property Damage
- Employment Practices Liability
- Fiduciary Liability
- Criminal or Dishonest Behavior
- Wages/Severance & Benefits Liability & Superannuation
- Pollution
