Insurance
INSURANCE
The SCA purchases insurance through BFL Canada as part of the Cycling Canada Insurance Program. All information, explanations and forms can be found on the Cycling Canada website here:
What Every Member Needs To Know About SCA Insurance and Member Only Options
Who is Insured?
Saskatchewan Cycling Association (SCA), its members, member clubs, teams, volunteers, licensed Commissaires, certified first aid personnel, SCA employees and any additional insured (as indicated on the issued certificate of insurance)
What is Covered?
Saskatchewan Cycling Association sanctioned activities are included in the coverage. These may include (but are not limited to):
- SCA Sanctioned Competitive Events
- SCA Sanctioned Recreational or Social Events
- SCA Sanctioned Club/Team Activities
- SCA Sanctioned Athlete Development Opportunities
- SCA Sanctioned Board/Committee/Member Meetings
Summary of Coverage
Membership Type(SCA Issued) |
Sports Liability Coverage Limit (per occurrence) |
Sport Accident Coverage Limit* |
Eligible “Optional” Coverage Items |
|---|---|---|---|
| Community Membership | $5,000,000 | $10,000 |
|
| Challenge Membership
UCI License |
$10,000,000 | $50,000 |
|
*Coverage is secondary to any other existing health care plan(s).
Coverage does not extend to:
- Unsanctioned activities/events by an SCA Member/Member Club/Team, or Non-SCA affiliated group/organizer
- Social Activities involving alcohol
- Liquor liability coverage available through a separate request (at an additional cost)
Period of Insurance
Calendar year from: January 1st to: December 31st
Inclusive Local Standard Time at address of the Insured
Sports Liability Insurance
Designed to protect a person/business against legal responsibility arising out of a negligent act or failure to act as a prudent person would have acted to which results in bodily injury or property damage to another party.
Sports Accident Coverage
Sport Accident is medical expense reimbursement coverage, excess of provincial health care, to help pay for medical expenses incurred as a result of an injury sustained during cycling activity.
Trail Maintenance Insurance Coverage
Not covered under core insurance program. Separate trail maintenance insurance coverage is available for an additional fee – Contact SCA Office
Liquor Liability
Not covered under core insurance program. Separate liquor liability coverage is available for an additional fee – Contact SCA Office
Learn More About Cycling Canada Insurance Programs
Reporting An Injury – Step by Step Guide
1. Immediately after an incident, submit an SCA Incident Report Form
- Can be submitted by a Club Director, Ride Leader, Parent/Guardian, Team Manager, Organizer, First Responder or Injured Athlete
- Must be submitted immediately after incident (SCA must file with insurance provider within 30 days)
2. Have medical expenses as a result of an incident during a sanctioned activity? Fill out the BFL Sport Accident Claim Form.
Claim form must be filed within 90 days of incident.
- Only medical expenses which occurred in Canada are covered, and coverage is applicable after Provincial Health Care Coverage (Ex. SaskHealth) and any existing medical benefit policy the member has access to has been exhausted.
- Even if you have the above coverage items, it is recommended to submit an accident claim form within the 90-day period to ensure outstanding medical expenses may be eligible to be claimed.
3. Please provide the completed Sport Accident Claim Form (Including Physician’s Statement) to BFL.
- To submit the form via email, please email josiannemoniz@bflcanada.ca
- To submit the form through the mail please send to:
BFL CANADA Risk and Insurance Services Inc.
4. A representative from the insurance company will reach out to the injured member.
- Someone from the insurance company will reach out to the injured member for next steps (usually within 5-10 business days).
If at any time during the process you have any questions, feedback or need assistance, don’t hesitate to contact our office. We are here to assist you through this process
Contact: info@saskcycling.ca
Optional Insurance Coverage Items Available To SCA Members
Personal Accident Extension Program*
Extend your sport accident coverage to cover you anytime while riding your bike away from your SCA registered club activity or SCA sanctioned event
| Option | Who is Eligible? | Cost | Description |
| 24/7 Anytime-on-Bike | All 2026 SCA Members | $100.00
Per participant per annum, in addition to standard membership charges |
Provides Sport Accident Medical Benefit coverage for injuries suffered by an SCA member anytime while on the bike, including during use of the bike for training and/or commuting/transportation.
**This item does NOT cover physical bicycle insurance. ** |
| Individual Training | Challenge and UCI License Holders | $20.00
Per participant per annum, in addition to standard membership charges |
Provides Sport Accident Medical Benefit coverage for injuries suffered by an SCA member when participating in individual athlete training.
Does NOT cover commuting or using the bike where the main purpose being as a mode of transportation. **This item does NOT cover physical bicycle insurance.** |
* (Cost includes insurance and administrative fees)
To Purchase:
Insurance Forms:
Organizer Insurance
- Liquor Liability Supplemental Application
- Commercial Event Application
- Bleachers / Grandstand – Event Supplemental Application
- Certificate Request Form