INSURANCE

Participant injury and liability insurance is mandatory and included as part of your SCA membership. This ensures that all registered participants—including athletes, coaches, and judges—are covered under a policy specifically designed for the unique risks and activities involved in cheerleading.

The SCA holds a Sport Liability policy through Markel, which provides protection in the event of claims related to injury or property damage. The standard liability coverage is $5,000,000.

In addition to liability coverage, the policy includes:

• Participant Accident coverage, which provides support in the event of an injury
• Abuse Liability coverage with a $2,000,000 limit
• Errors & Omissions (Directors & Officers) coverage, included within the policy

Insurance premiums are based on membership numbers, and the per-member rate remains consistent. This structure ensures that all participants are properly covered while taking part in sanctioned cheerleading activities.

When traveling to out-of-province competitions, host organizations may request a Certificate of Insurance (COI). To ensure all COIs are accurate and compliant, all requests must be submitted through the SCA, as the named insured on the policy.

Clubs/Schools are asked to complete the COI request form with as much detail as possible, including who is requesting the certificate and the purpose of the request. This information allows us to verify membership, confirm event sanctioning, and ensure all requirements are met.

If an Additional Insured is being requested, please note that COIs are legal documents and may be used in the event of a claim. As such, additional information—or a copy of the agreement requiring the Additional Insured—may be requested. For common requests (such as facility or municipality requirements), this is not always needed upfront but may be required later if necessary.

Once completed, please submit the form to the SCA Executive Director at executivedirector@sca.ca to process your request.

All incidents and/or potential claims must be reported to Aon as soon as they are identified, as delayed reporting may impact coverage.

For Participant Accident claims, all submissions must go through the SCA (PSO). Claims cannot be submitted directly by clubs or participants. The Accident Claim form must be completed by the injured individual (or parent/guardian) and then submitted to the SCA for authorization.

Please note the following timelines: your insurer must be notified of the accident within 30 days, and all required claim documentation must be submitted within 90 days of the accident date.

Completed claim forms must first be sent to the SCA for approval. Please submit all forms to Alissa Stewart, Executive Director, at executivedirector@sca.ca.