The insurance policy contains three important exclusions:
Sexual Abuse and Harassment will be covered on a claims-made basis and only for claims made after July 1, 2020. Any retroactive claims will be assessed under the policy in place at the time of the alleged abuse. It is essential that you have strong and documented prevention policies and practices in place.
Cyber Exclusion – losses due to hacking and other computer and data system exposures are excluded. It is essential that you have strict protocols over your entire system, particularly given the amount of private and confidential information some clubs and Divisions possess.
Communicable Disease Exclusion – COVID-19 and other communicable diseases are excluded. It is essential that you have strong protocols in place, are able to prove that you followed your protocols, and can prove that you communicated your protocols to members.
The Insurance Manual, available in the Document Centre, will be updated shortly to include these exclusions.
Nordiq Canada’s (formerly Cross Country Ski de Fond Canada) Insurance page.