Liability Coverage

Commercial General Liability (CGL)

Limits of liability: $10,000,000 limit / $5,000 deductible
Renewal: June 1, 2025

The CGL policy provides coverage for claims against CASI-ACMS for third party bodily injury and third-party property damage. Coverage also extends to claims against CASI-ACMS individual employees, contractors, and volunteers while they are acting on behalf of CASI-ACMS, in addition to the association itself. The CGL policy will provide coverage for individual members only while they are working directly for CASI-ACMS. Claims against individual members that relate to activities such as independent teaching (whether individually or for a snow school), coaching or freeriding, are not covered under this policy (although other coverage is available elsewhere, see below).  

The policy includes a number of coverage extensions, including worldwide territory coverage, and providing third party liability protection for CASI-ACMS personnel travelling internationally. 

Members’ Excess Liability Policy – CASI-ACMS Members 

Limits of liability: $2,000,000 limit / $5,000 deductible

Renewal: June 1, 2025

As a benefit to current members, there is a separate policy in place that provides extended third-party liability coverage to the members themselves. The policy sits excess of any other insurance in place, such as homeowner’s liability, tenant’s liability or employer’s CGL.  The CASI-ACMS member policy will provide excess coverage, in the event that other coverage in place is inadequate.  Coverage is also extended to members during their freeriding activities. The Excess Liability Policy will respond in excess of any other insurance in place at the time of the loss.  For example, if damages from a claim were to exceed the employer’s or homeowner’s liability limit, the CASI-ACMS Members’s Excess Liability policy would respond.  If the member has no other insurance available, the CASI-ACMS Members Excess Liability policy would respond to defend the claim against the member.  

It is important to note that neither the CGL nor the Excess Liability Policy will provide primary liability coverage for members who choose to do any form of freelance teaching. The policies  also do not provide coverage for snow schools or their CASI-certified employees while working for the snow school (with the exception above, where the employer’s liability limit is exhausted).

Accident, Death and Disability Insurance

The Accident, Death and Disability policy provides first party accident     to all CASI-ACMS Members in good standing, under 70 years of age.  Members are covered when performing the normal and regular duties, which pertain to their occupation as a Snowboard Instructor and for which they are being remunerated (while under the employment of a Snow School). Coverage from the CASI-ACMS AD&D policy will apply if the employer’s benefit policy is exceeded or if no other coverage is in place.    

*Subject to all restrictions and limitations described in the policy.

This plan also provides Members with first party accident insurance while they are travelling directly to or from their residence and their CASI-ACMS work location (ie ski resort), along a normal or reasonable route, without delay or stop-over. Members are not covered while attending Programs for which they do not receive remuneration from their Employer.

A claim must be submitted as soon as possible, and within the prescribed time frames of each section listed in the policy, if applicable. No claim will be valid after three hundred and sixty-five (365) days following the date of the accident or the beginning of the disability.

Please click here to view the policy in its entirety.

For any questions relating to the Commercial General Liability, Members’ Excess Liability or the Accident, Death and Disability coverage, please contact the Head Office at 1-877-974-2274, Ext. 100 or by email at headoffice@casi-acms.com.