Commercial General Liability (CGL):
Limits of liability: $10,000,000 limit / $5,000 deductible
Renewal: Feb. 1, 2024
The CGL policy provides coverage for claims against the CSIA for third party bodily injury and third-party property damage. Coverage also extends to claims against CSIA individual employees, contractors, and volunteers, in addition to the CSIA itself. The CGL policy will provide coverage for individual members only while they are working directly for the CSIA. Claims against individual members that relate to activities such as independent teaching (whether individually or for a snow school), coaching or freeskiing, are not covered under this policy (although other coverage is available elsewhere, see below).
The policy includes a number of coverage extensions, including worldwide territory coverage, providing protection for CSIA personnel travelling internationally.
Excess Liability Policy – CSIA Members
Limits of liability: $2,000,000 limit / $5,000 deductible
Renewal: Oct. 30, 2024
As a benefit to current members, there is a separate policy in place that provides extended third-party liability coverage. The policy will top up coverage for members involved in claims while working for a snow school or ski resort, in the event that the employer’s coverage is inadequate. There is also coverage for members’ freeskiing activities. The Excess Liability Policy will respond in excess of any other insurance in place at the time of the loss. For example, this includes employers’ liability insurance – if damages from a claim were to exceed the employer's liability limit, the CSIA Members’s Excess Liability policy would respond. Also, the policy will respond in excess of members’ homeowner or tenant insurance policies. If the member has no other insurance available, the CSIA Members Excess Liability policy would respond to defend the claim against the member.
It is important to note that neither the CGL nor the Excess Liability Policy will provide primary liability coverage for members who choose to do freelance teaching. They also do not provide coverage for snow schools or their CSIA-certified employees while working for the snow school (with the exception above, where the employer’s liability limit is exhausted).
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 Programs 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 the National Office at 1-800-811-6428, Ext. 0 or by email at insurance@snowpro.com.
Travel Insurance Program
Looking to enjoy your skiing experience with peace of mind?
Travel Insurance Program with 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 pricey 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.
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.
SecuriGlobe offers:
- Trip Cancellation and Interruption
- Medical Expenses up to $5,000,000
- Non-Medical Package
- All-Inclusive Package
Their priority is providing you with travel protection that both fits your needs perfectly and provides unparalleled service. Travel with peace of mind knowing you are well protected.
For a quote, please call toll-free 1-877-442-0442 or visit www.securiglobe.com/en/.
Please login to your Member Area/My Pro Deals and Promo Codes to access your CSIA Group ID Code.
