{"id":2887,"date":"2019-03-15T14:20:57","date_gmt":"2019-03-15T14:20:57","guid":{"rendered":"https:\/\/www1.specialolympicsontario.com\/resources\/?p=2887"},"modified":"2025-11-24T10:29:07","modified_gmt":"2025-11-24T15:29:07","slug":"liability-accident-insurance","status":"publish","type":"post","link":"https:\/\/www1.specialolympicsontario.com\/resources\/liability-accident-insurance\/","title":{"rendered":"LIABILITY & ACCIDENT INSURANCE"},"content":{"rendered":"

LIABILITY & ACCIDENT INSURANCE<\/strong><\/span>
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The following is an explanation of the insurance coverage for athletes and volunteers who are registered with Special Olympics Ontario\/Special Olympics Canada.
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Special Olympics Ontario offers its volunteers and athletes a comprehensive insurance package that will adequately cover the situations with which they are faced in the organization. \u00a0There is always an inherent risk in everything that we do in life. If a volunteer or athlete feels that the coverage offered by our insurance company does not meet their needs, then they should be encouraged to take out their own additional personal insurance. \u00a0Clubs or Communities cannot use money raised in the name of Special Olympics to take out additional insurance coverage.<\/span>
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Liability Insurance<\/strong><\/span>
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Below is an outline of Special Olympics Canada’s insurance coverage that applies to all currently registered Special Olympics athletes and volunteers (note: any individuals under 18 years of age must have a parent\/guardian sign their registration form). \u00a0Any inquiries should be directed to:<\/span>
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Special Olympics Ontario<\/strong><\/span>
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65 Overlea Blvd, Suite 200<\/strong><\/span>
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Toronto \u00a0ON M4H 1P1<\/strong><\/span>
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toll free 1-888-333-5515<\/strong><\/span>
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local (416) 447-8326 (TEAM)<\/strong><\/span>
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Protection against legal liabilities for injuries or death to third party persons and damage to property of others up to $10,000,000 limit of liability, which would include a $2500 deductible. \u00a0The policy provides both indemnifications of compensation and defence costs.
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Volunteers driving their own vehicles in connection with their duties will be primarily protected by their own automobile insurance in regard to damage to their own vehicle or legal action from third parties. \u00a0\u00a0If the owner of the vehicle’s insurance is denied, or if the vehicle owner is sued for more than their insurance covers, SOO insurance would take effect.<\/span>
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CERTIFICATES OF INSURANCE<\/strong><\/span>
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When do I need one?<\/strong><\/span>
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You’ll need a Certificate of Insurance when a person, organization, facility or venue (etc.) requests verification of Special Olympics insurance coverage. \u00a0It is common practice for the person or organization to define minimum coverage and limit requirements.<\/span>
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What does a Certificate of Insurance show?<\/strong><\/span>
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The coverage and limits requested the insurance carrier, and policy effective dates. \u00a0It may also specify relevant information (e.g. date, place, and additional insured) regarding an event.<\/span>
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It will also show:<\/span>
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