Gallagher offers a comprehensive cycling insurance and risk management program for Governing bodies in Canada. Our cycling insurance policies are specifically designed for Participating Provincial Associations (PPA) members, affiliated cycling clubs and members. PPA members are protected for all "Approved and Sanctioned Activities" confirmed with their Provincial Association.
Cycling coverage for PPA members
Our exclusive insurance coverage for PPA members provides a range of insurance coverage for your cycling operations, as well as optional liability protection for commercial and bleachers/grandstand events, and BMX track construction and design.
The Cycling Provincial Collective Insurance program is designed to protect events, clubs, teams, their members, players, officials, managers, directors, officers, auxiliary workers, employees, volunteers, and administrators for all cycling sanctioned events and/or activities. Sanctioned cycling events and approved cycling activities include, but are not limited to, club rides, club meetings, competitions, organized training camps, events, seminars, clinics, fundraising activities and tours abroad for the PPA members.
Cycling insurance coverage options include:
- $10M general liability insurance, including professional liability and participants in the organized, sanctioned cycling activities and cycling events
- Public liability insurance
- Sports accident, death and dismemberment insurance
- Directors & Officers insurance for the National and Provincial boards
Optional cycling insurance coverages
As a PPA member, Gallagher offers additional cycling coverages specifically designed to fill the gaps for cycling insurance outside of the core program. Optional insurance coverages, available at preferential rates to PPA members only, include the following:
- Club Directors & Officers insurance program
- Individual athletes cycling sports insurance coverage
- Coach, trainer and instructor professional liability insurance
- Trade team insurance
- Bicycle shop/club insurance
- Event organizers liability insurance
PPA Member Associations
Under the PPA, several regional associations are approved to receive membership prices. Our partnership provides an extensive Canadian insurance program for many different cycling associations with exclusive pricing for its members. These associations include:
Cyclists' Responsibility Code
Cyclists, pedestrians and motorists must learn to coexist on the road together. For everyone's safety, the cyclists' responsibility code offers 10 tenets to help prepare cyclists and bike riders to avoid crashes, share the road, stay safe and have fun.
- Always stay in control. You must be able to ride safely among others, to come to a complete stop, and to avoid obstacles – all without causing harm to yourself or others. You must only participate in events that match your fitness and ability level.
- You must be familiar with the course and the environs.
- Do not ride on any course if you are not participating in that field/event.
- Obey, at all times, the rules governing this sport and the rules governing this event. Observe and obey, at all times, all event signage and personnel, including event staff, marshals, commissaires, security staff, and police officers.
- You must always wear an approved helmet at all times while astride your bicycle during this event.
- Use only equipment with which you are familiar and which is in good working order.
- Do not stop where you may obstruct the race in progress or where you are not visible to oncoming riders or others.
- You must not participate in the event if you are under the influence of drugs or alcohol, excessively fatigued, or if you are dizzy or ill.
- If you do not finish the event you must clearly report to a commissaire or designated event staff that you are withdrawing.
- Understand the risks of this sport and take time to read and understand all documents you are signing, as well as this Cyclists' Responsibility Code.
Know the code – Be safety conscious. It is your responsibility to stay safe and keep others safe around you.
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Cycling Provincial Collective Insurance Program FAQs
Below are a few our most frequently asked questions (FAQs). The following information in our FAQs is not all-inclusive of our cycling coverages. Should any discrepancies occur between the answers below and your insurance policy, the policy documents shall prevail.