INTRODUCTION (back to top)
Cross Country Canada has Liability Insurance for its Directors, Provincial Divisions and their Directors, Members Clubs and their Directors, Members, Volunteers and Sponsors. The coverage in force is a Third Party Sports Liability Policy which includes Directors & Officers Errors & Omissions.
First, Second and Third Parties: definitional overview
There are three (3) Parties to an Insurance Contract:
First Party: The Insurance Company
Second Party: The Named Insured (CCC/ Divisions/ Clubs/ Members/ Directors/Volunteers/etc.)
Third Party: The Claimant
This Broad coverage will protect the Named Insured from any claims and/or suits where negligence is alleged, whether it be from a Spectator or a Participant, or any other legal entity. Claims and/or suits by Members [Participants (2 nd Party)] are allowed for within the Policy under the "Injury to Participants" and "Cross Liability" endorsements. The Member [Participant (2nd Party)] then becomes "The Third Party".
In addition to Directors & Officers Errors & Omissions, coverage for member clubs includes the following: All Nationally and/or Divisionally Sanctioned Program/Activities/Events and the Participants, Officials, Organizers, Coaches, Leaders and Sponsors. Coverage will also extend to Venue Providers (Municipal, Provincial or Federal Governments and/or Private Landowners) if requested. Coverage also extends to Grooming/Maintenance of Trails & Tracksetting done by a Club, either on their own property and/or on land owned by others, provided permission is granted in writing by the landowner and kept on file with the Club. Some restrictions apply to the use and operation of a chainsaw for trail clearing. Please check with the CCC office.
This document details the extent of insurance coverage as well as registration/waiver requirements and other obligations of parties seeking to belong to this liability insurance program.
Incident report procedures are at the end of this manual. Please keep handy.
OUTLINE OF COVERAGE (back to top)
CROSS COUNTRY CANADA (CCC) includes the following: National staff, Board of Directors, National Committees, National Ski Team and nationally sanctioned programs/activities. These include:
Groups noted above and National sponsors to these groups must adhere to CCC safety guidelines and must be registered with the CCC National Office to be included in this policy. Registration includes listing names, job descriptions (if appropriate), teams, schedules, events.
CCC DIVISION includes the following: Division staff, Division Boards of Directors, Division Committees, Division Ski Teams and divisionally sponsored/sanctioned activities and events. The Division is covered for all nationally sanctioned programs/ activities as identified above.
Groups noted above and Division sponsors to these groups must adhere to CCC safety guidelines and must be registered with the Division Office to be included in this policy. Registration includes listing names, job descriptions (if appropriate), teams, schedules, events.
All clubs registered with their Divisions & Cross Country Canada.
PRIMARY COVERAGE (back to top)
Coverage is for all Nationally approved programs/ activities. These are directed by the Cross Country Canada Board of Directors and Committees, employees, volunteers, members and member clubs. Principally these include: Nationally (Divisionally) sanctioned races, coaching and officials programs, Jackrabbit, Schoolski, Challenge, Women's, Popular Ski programs and related administration of these programs. National (Divisional) sponsors to these programs are covered provided they are registered.
At the club level organized programs as listed below are covered:
Youth (Jackrabbit, Challenge)
Races and loppets
The insurance coverage is primarily for all activities described above as
sanctioned by CCC.
SECONDARY COVERAGE (back to top)
Other recreational activities provided by the club is covered subject to the following conditions:
This includes but is not limited to:
CONDITIONS RELATING TO CLUB COVERAGE: (back to top)
GENERAL SAFETY CONSIDERATIONS (back to top)
Olympic Style Events
These competitions include:
The following procedures are common for all events noted above.
Rules governing these competitions are:
To ensure clarity concerning required safety procedures, the following minimums are required:
These competitions include:
The following procedures are common to the above identified loppets:
For further information regarding these competitions, consult the FIS Rule Book (pages 60 to 67) and the CCC Rule Book section on loppet competitions.
Club Races and Time Trials
These races range from coach-led time trials to Club Championships. For insurance purposes, the following safety considerations apply:
Nationally Sanctioned Programs run by Clubs:
The following procedures and safety measures apply to Member Clubs with regard to coverage under the insurance program:
Coaching: CCC Coaching Level 1. Level 1 or coaching manual.
Chief of Competition: CCC Officials Level 1. Officials manual.
Jackrabbit: Jackrabbit Leader. Jackrabbit Manual.
Club Development: Follow procedures as set out in CCC Club Development Manual.
Clinics: Follow procedures as set out in CCC Club Development Manual and related CCC literature
Common sense safety procedures are to be followed at all times. These include adequate supervision, providing safety officials at events when appropriate and ensuring participants are informed of the program's requirements prior to the start of the program.
Pre-season training for athletes includes the following activities: running, hiking, rollerskiing, rollerblading, road cycling, mountain biking**, organized games such as soccer, hill/track intervals, weight and resistance training, off-season glacier skiing. Other activities may be covered but contact CCC first to ensure the activity would be covered in the policy. Higher risk activities such as mountain biking** (regardless of the type of bike used in the activity) and road cycling are only covered for training purposes and in no case does the coverage include recreational biking, racing events or time trials.
** Mountain Biking: Due to the high risk involved and recent liability cases in this area, coverage is limited to 3rd Party Liability only.
Activities/procedures described in the manuals listed above are included in
the insurance program. Other or new activities maybe covered but check with the
CCC National Office prior to assuming these are covered. The leaders bulletin
will beproviding information as to new activities or additional safety
DIRECTORS & OFFICERS ERRORS & OMISSIONS LIABILITY INSURANCE (back to top)
CCC Executive, all Division Executive, Club Executive, all members and volunteers are covered for Errors and Omissions.
This coverage includes but is not limited to: