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.

  1. 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.
  2. You must be familiar with the course and the environs.
  3. Do not ride on any course if you are not participating in that field/event.
  4. 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.
  5. You must always wear an approved helmet at all times while astride your bicycle during this event.
  6. Use only equipment with which you are familiar and which is in good working order.
  7. Do not stop where you may obstruct the race in progress or where you are not visible to oncoming riders or others.
  8. 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.
  9. If you do not finish the event you must clearly report to a commissaire or designated event staff that you are withdrawing.
  10. 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.

Apply for supplemental insurance or renew claims

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.

What does the Liability Policy cover?
It would be lengthy to list all the insuring agreements under the policy but, in many cases, inquiries relate to the concept of Liability Insurance.

Who is an Insured?
All employees, volunteers, officers, directors, coaches, managers, officials, member participants, auxiliary workers while acting within the scope of their duties on behalf of their respective Association.

What is a sanctioned event?
Sanctioned events include all competitions or sports demonstrations run by participating Associations and or by member clubs in good standing authorized by their respective Association including related training at sites of events and club premises.

What is considered training under the Liability Policy?
Liability does not provide 24-hour coverage. All training activities must be documented and approved by the appropriate Association. Commuting and recreational cycling activities (i.e., riding bike to the store) are not considered training. 

What if I have purchased the expanded Sport Accident coverage?
If you have purchased this optional expanded coverage, then you do not need to document your training activity with the appropriate PPA. You have the freedom to train at your own convenience!

What is the definition with respect to a member of the insurance program?
The insurance is based on the “reported” member’s names on file with the respective Associations. The membership numbers are reported to the insurance brokers’ office of Arthur J. Gallagher Canada Limited.

What activities are covered?
All sanctioned and approved Cycling activities including competitions run by clubs who are members in good standing.

Can we have events with non-member participants?
Yes, provided the event is sanctioned and the ratio of non-members is within the parameters set by the Provincial Association. Please note that insurance benefits will only extend to members however, if a non-member is named individually in a lawsuit they will not be defended by the Liability Policy.

Can a non-member be signed up as a club member at the time of the event?
Yes, as long as the waivers are signed, insurance premium collected, and these individuals are included in the reported membership numbers to the Provincial Association for the insurance program.

Are member bicycles covered?
Personal belongings of members are not covered automatically. Arthur J. Gallagher Canada Limited has arranged a Bike Insurance Program where members can pay an additional premium to insure their bicycles. Please contact your respective Association for an application.

Does the policy provide 24-hour coverage?
No, only while participating in a training program, sanctioned tour, competition and traveling to and from the program, which is approved by and under the supervision of proper authority of the Provincial Association or club of which the Insured is a member.

Is it possible to expand this coverage to include individual, non-sanctioned training activities (members training on their own time)?
Yes, for an additional fee the Sport Accident Coverage can be extended to cover individual training activities. Please contact your Association for details.

Does the Sport Accident Policy cover members participating in training camps outside of Canada?
Yes, as long as it is a sanctioned training camp, the policy will cover medical expenses incurred upon return to Canada. Expenses incurred abroad will require Travel Medical Coverage.