ISI (Ice Skating Institute) offers comprehensive insurance coverage for hockey players, coaches, and officials participating in sanctioned events. This insurance program is designed to provide protection and peace of mind for individuals involved in ice hockey activities. The ISI insurance package includes both accident coverage and liability protection, ensuring that members are safeguarded against potential risks associated with the sport.
ISI’s hockey insurance is available to all registered members, including players, coaches, and officials. The coverage extends to sanctioned events, practices, and games organized under the ISI umbrella. By offering this insurance, ISI aims to promote safety and risk management within the hockey community while providing financial protection for its members in case of accidents or injuries.
| Coverage Type | Benefit |
|---|---|
| Accident Medical Expense | Up to $25,000 |
| Accidental Death & Dismemberment | $10,000 |
| Deductible | $1,000 per accident |
Accident Coverage for Hockey Players
ISI’s accident coverage is a crucial component of their insurance program for hockey players. This coverage is designed to provide financial protection in the event of injuries sustained during sanctioned hockey activities. The accident medical expense benefit offers up to $25,000 per incident, which can be used to cover various medical costs associated with hockey-related injuries.
One of the key features of ISI’s accident coverage is its secondary nature. This means that the policy is designed to supplement existing health insurance plans. In cases where a player has primary health insurance, the ISI coverage will help cover out-of-pocket expenses, deductibles, and co-pays that may not be fully covered by the primary insurance. For players without primary health insurance, the ISI coverage becomes even more valuable, serving as a safety net for potential medical expenses.
The accident coverage includes a $1,000 deductible per accident, which means that the insured individual is responsible for the first $1,000 of eligible expenses before the insurance benefits kick in. This deductible structure helps keep premiums affordable while still providing substantial coverage for more serious injuries.
It’s important to note that the accident coverage extends to various aspects of hockey participation, including:
- Official games and tournaments
- Sanctioned practice sessions
- Team travel to and from sanctioned events
- Off-ice training activities that are part of the team’s official program
Players should be aware that the coverage is limited to $250 per tooth for dental injuries. This dental coverage can be particularly important in hockey, where facial and dental injuries are not uncommon. While this may not cover extensive dental work, it provides a helpful contribution towards initial treatment and repairs.
Liability Protection for Hockey Participants
In addition to accident coverage, ISI’s insurance program includes liability protection for hockey participants. This aspect of the insurance is crucial for protecting players, coaches, and officials from potential legal claims arising from their involvement in the sport.
The liability coverage provided by ISI includes:
- General Liability: This covers bodily injury and property damage claims that may arise during sanctioned hockey activities. The coverage limit is substantial, offering up to $1,000,000 per occurrence.
- Personal and Advertising Injury: This protects against claims such as libel, slander, or copyright infringement that may occur in the course of hockey-related activities.
- Products Completed Operations: This coverage is important for events or activities where food or merchandise may be sold, protecting against claims related to these products.
- Sexual Abuse Liability: ISI recognizes the importance of protecting vulnerable participants and includes coverage for claims related to sexual abuse, with limits of $500,000 per occurrence and $1,000,000 aggregate per instructor.
The liability coverage is particularly important for coaches and officials, who may face legal challenges related to their decisions or actions during games or practices. It provides a layer of protection that allows these individuals to perform their duties with confidence, knowing they have financial backing in case of legal disputes.
Professional Liability for Hockey Coaches
ISI’s insurance program also includes professional liability coverage for hockey coaches. This specialized coverage is designed to protect coaches from claims arising from their professional services and decision-making in their coaching capacity.
The professional liability coverage offers:
- Protection against claims of negligence in coaching practices
- Coverage for alleged errors or omissions in instruction
- Defense costs for legal proceedings related to coaching activities
This coverage is particularly valuable for coaches who may face scrutiny over their training methods, player selection decisions, or game strategies. It provides financial protection and legal support in case of disputes or allegations of professional misconduct.
Coaches should note that this coverage is limited to their activities within ISI-sanctioned events and programs. It’s important for coaches to understand the scope of their coverage and to adhere to ISI guidelines and best practices in their coaching activities to ensure they remain protected under the insurance policy.
Additional Benefits and Considerations
ISI’s hockey insurance program offers several additional benefits and considerations that members should be aware of:
- 24/7 Coverage: The accident coverage is not limited to on-ice activities. It extends to off-ice training and team travel, providing round-the-clock protection for registered members during sanctioned events.
- Catastrophic Coverage: While not explicitly mentioned in the provided information, many sports insurance programs include catastrophic injury coverage. Members should inquire about the availability and limits of such coverage for severe, long-term injuries.
- Claims Process: ISI has established a streamlined claims process to ensure that members can easily access their benefits when needed. It’s important for players and coaches to familiarize themselves with this process and to report any incidents promptly.
- Risk Management Resources: As part of their insurance program, ISI often provides risk management resources and guidelines to help reduce the likelihood of accidents and injuries. Members should take advantage of these resources to create a safer playing environment.
- Membership Requirements: To be eligible for ISI insurance coverage, individuals must maintain active membership and comply with all ISI regulations and safety protocols.
It’s crucial for hockey players, coaches, and officials to understand that while ISI insurance provides significant protection, it is not a substitute for personal health insurance or comprehensive liability coverage. Members should consider their individual needs and may want to explore additional coverage options to ensure they have adequate protection both on and off the ice.
FAQs About ISI Insurance Hockey
- Who is eligible for ISI hockey insurance?
All registered ISI members, including players, coaches, and officials participating in sanctioned hockey events. - Does ISI insurance cover injuries during practice?
Yes, the coverage extends to sanctioned practices, games, and team travel for official events. - What is the deductible for ISI hockey accident coverage?
The accident coverage has a $1,000 deductible per accident before benefits are paid out. - Is dental coverage included in ISI hockey insurance?
Yes, dental coverage is included with a limit of $250 per tooth for hockey-related injuries. - How does ISI liability coverage protect coaches?
Coaches are protected against claims of negligence, errors, and omissions related to their coaching activities in ISI-sanctioned events.