INSURANCE · akes p rio ty. Jardine Lloyd Thompson Canada Inc. Suite 800, 55 University Avenue Toronto, Ontario M5J 2H7 Tel: (416) 941-9551 . Sport Liability Insurance Why Liability

INSURANCEPROGRAM

Coverage Information Package

ALBERTALACROSSE

ASSOCIATIONDecember 31, 2011

Distinctive. Choice.

Limitations and Exclusions forSport Accident and MedicalNo benefit shall be payable for any loss resulting directlyor indirectly; wholly or partially from any of the followingcauses:

a) Purchase, repair or replacement of eyeglasses,contact lenses or prescriptions thereof (except asotherwise provided);

b) Sickness or disease either as a cause or effect;

c) Any intentionally self-inflicted injury;

d) Any of the hazards of aviation except while ridingas a fare paying passenger in a licensed aircraftoperating on a regular scheduled service betweenairports;

e) Declared or undeclared war, terrorist act, invasionor civil war, or any act thereof;

f) Service in the armed forces of any country;

g) Any benefits that are available under anyGovernment Health Insurance Plan, whetherenrolled in such a plan or not;

h) Dental and/or other expense benefits shall be forthe excess of expenses payable under any otherbenefit or policy;

i) An insured person who is not a resident of anyCanadian province that has enacted Medical CareLegislation unless stated specifically in this policy.

This insurance is subject to and shall not contravene anyFederal or Provincial statutory requirements with respectto hospital or medical plans, nor shall it duplicate anybenefits, which are provided under any Federal orProvincial Hospital or Medical Plans, or any other policyproviding a reimbursement indemnity.

Mail completed form to:

Alberta Lacrosse Association11759 Groat RoadEdmonton, Alberta

T5M 3K6Tel: (780) 422-0030

www.albertalacrosse.com

Please phone for confirmation or if you have any questions.Note this is not a loss of wage policy. Somereimbursements have limits or caps.

The description of coverage herein is not completeand binding on the Insurance Company. The policyissued to the Alberta Lacrosse Association and on filein their offices takes pecedence over this informationpamphlet. In the event of any discrepency, the policytakes priority.

Jardine Lloyd Thompson Canada Inc.Suite 800, 55 University Avenue

Toronto, OntarioM5J 2H7

Tel: (416) 941-9551www.jltcanada.com

Sport Liability InsuranceWhy Liability Insurance?

Unfortunately, no matter how careful you are or what safetymeasures you take, accidents can happen. You can be suedby anyone who claims injury or damages resulting from sportactivities. While you may not be liable, defending a legal actioncan be costly. Liability insurance protection will pay for defensecosts as well as damages awarded against you for coveredactivities within the scope and limit of the policy. LiabilityInsurance gives you protection and peace of mind.

Who is Insured?

An Association or League registered with the Alberta LacrosseAssociation who have paid their current dues and are in goodstanding. The requirement is that 100% of your memberswithin your Association or League participate in the InsuranceProgram offered through Certain Underwriters at Lloyds ofLondon.

Who is Covered?

Members of your organization, including participant members,executives, managers, coaches, trainers, officials, employees,and volunteers while acting within the scope of their duties onyour behalf.

Activities Covered

Sanctioned or authorized events, including related training,within your sport discipline.

General Liability InsuranceThe policy will respond for defense costs and those sums thatthe Insured becomes legally obligated to pay ascompensatory damages as described within the InsurancePolicy as a result of a bodily injury or damage to property ofothers. This includes participants, spectators, property oflessors and others resulting from your operations assanctioned by the Alberta Lacrosse Association.

Limit $5,000,000 per occurrence $5,000,000 AnnualAggregate

Including the following extensions:

• Premises, Property, and Operations

• Products and Completed Operations

• Bodily Injury and Property Damage

• Blanket Contractual

• Personal Injury (libel and slander)

• Cross Liability severability of interest

• Non-owned Automobile

• Tenants Legal Liability $1,000,000

A Deductible of $500 applies to all coverages.

Directors and Officers InsuranceDirectors and officers may be sued for actual or alleged errorsor omissions while performing their duties as officials of theorganization. D&O Insurance will pay those sums theorganization, directors and officers become legally obligatedto pay as compensatory damages because of a wrongful act.

Limit – $2,000,000

Retention – $1,000

Sport Accident InsuranceCoverage is for sanctioned activities including practices,games, and team travel. One plan covers all participants,managers, coaches, executives, and field officials throughoutthe entire season through Certain Underwriters at Lloyds ofLondon.

Principal Sum Benefits – Up to $50,000Including the following:

Accidental Death & Dismemberment – up to $50,000In the event of accidental death occurring within 52 weeks ofan accident.

Disability – Up to $50,000• Immediate payment for an accident causing

Quadriplegia, Paraplegia, or Hemiplegia.

• Permanent and Total Disability payment is payable 365days from the date of the accident.

• Loss of Speech, Hearing, Sight, and/or OtherImpairments are subject to the amount payable withinthe benefit schedule and payable within 52 weeks ofthe accident.

Excess Medical Reimbursement – up to $10,000For costs not insured by a Provincial Medical Plan incurredwithin 52 weeks of the accident including crutches, splints,medical braces, and prescription drugs related to the injury.Excess physiotherapy is limited to $500 for anyone individualduring the policy year.

Out-of-Province Medical Reimbursement – up to$10,000For medical expenses which have incurred within 52weeks of the accident outside the individuals residenceProvince and not covered by their Provincial MedicalPlan.

Emergency Transportation Benefit – up to $500Reimbursement for the cost of an ambulance transportfrom arena or field to the nearest hospital, clinic, ordoctor’s office.

Rehabilitation – up to $3,000Up to $3,000 for special occupational training due toaccident.

Tutorial Fees Reimbursement – up to $2,000Up to $2,000 for tutorial services made necessary bypost accident confinement.

Fracture Benefit – up to $500A percentage of principal can be paid for fracture of boneor bones including chip and linear fractures. (Amountvaries; depend on the type of Injury).

Dental – Up to $15,000Dental treatment resulting from an accidental injury tosound natural teeth and completed within 52 weeks ofthe accident. Dentures and removable teeth limited to$200.

Eyeglasses and Contact Lenses Expense – up to$100For repair or replacement of eyeglasses or contact lenseswhen damage results from an accident, which requiresthe insured person to receive treatment by a physician ordentist.

Out of Canada Excess MedicalInsuranceExcess Medical coverage for members, coaches,managers, executives, chaperones, and field officialswhose Travel out-side Canada is approved and sanctionby the Alberta Lacrosse Association, and whose name isregistered with the Association prior to traveling.Coverage is in excess of any Provincial GovernmentHealth Plan and/or Individual Plan.

Limit $2,000,000 per person / $2,000,000 per incident

Exclusion b) as listed in this information pamphlet isremoved for this coverage only. Pre-existing conditionsare excluded under sickness and illness coverage.