The GO Sports Liability Insurance Policy covers all members including coaches, officials, employees and volunteers while acting on behalf of The Federation. Participants are also covered while engaged in GO sanctioned and authorized activities. Sanctioned activities shall mean all events, competitions or sports demonstrations run by GO or by member Clubs as authorized by GO including related training at sites of events and Club premises.

Sanctioned activities will include those authorized activities considered to be core to the operations of the vaious gymnastics disciplines governed by GO. These core areas can be classified as: Competition, Training and Demonstration.

(2)Training
Any organized and structured regimen of exercise and physical activity geared to enhancing a participant's skill level and overall general abilities towards an end (i.e. improvement competition, new skills acquisition). Certain regulations are present for training activities such as NCCP certification, equipment specifications and technical guidance from GO.

(3)Demonstration
An organized, structured exhibition of gymnastics skills or routines intended to display the positive attributes of the sport. Purposes of demonstration could be to attract interest and/or increase membership for participating Clubs. showcase and promote athletes, or highlight gymnastics as part of a larger event or competition.

Gymnastics Ontario's mission is to provide leadership, develop, promote and guide gymnastics as a lifetime activity and provide systems and programs that enable all participants to safely achieve their potential.

Member clubs operate many programs and activities, most of which clearly fall within the sport of gymnastics and hence would be covered under The GO Master Insurance Policy. Inclusion under the Policy is directly related to the degree to which GO rules, regulations and risk management can be applied.

Some activities incorporate gymnastics but also include other elements unrelated to GO disciplines. The format and operation of unrelated activities follow no known Federation technical rules or guidelines and may present unacceptable levels of risk exposure.

Those areas that are considered to be "non-gymnastic related" (i.e. swimming, baseball, softball, soccer, arts & crafts, toddler daycare, hikes and field trips, etc..) are not subject to GO rules and regulations and are not covered under The GO Master Insurance Policy. For example, activities such as rock climbing, skateboarding, cheerleading, Bingo's, raffles, garage sales, bake sales and monte carols are not covered. These activities are not considered core to The GO's programs.

Please note this list is not all-inclusive and Clubs are encouraged to contact The GO for clarification on activities that do not fall under the Master Insurance Policy.

Yes, GO does provide member clubs an Optional Insurance Program at advantageous rates through its insurance agent, Ford-Dunn Insurance, for those activities. Ford-Dunn quotes details and premiums to Clubs on an individual basis for liability coverage and includes a special provision for director and officers liability insurance.

The policies are available because The Federation and its member Clubs have demonstrated a record of sound Risk Management practices.

Other coverage's such as travel insurance, property and equipment coverage and various types of commercial policies are also available to Club upon individual application.

Also, The GO still offers the popular employee benefit program, through Co-Operators Insurance. Member Clubs are under no obligation to purchase insurance from The GO's insurer. Clubs that obtain optional liability coverage must name The GO and should name other organizations who may be involved in the Club's activities (School boards, manicipalities and landlords) as "additional insured" on the policy.

Volunteers and the Club are covered under the liability portion of the policy but volunteers are not covered under the Sport Accident policy.

6. Should all members of a club be registered with GO

It is a clear requirement that all member Clubs register all individual members with The GO including recreational gymnasts, athletes, coaches, suppert staff, judges, together with directors, executive and supporters who provide the full member club with volunteer help and services on a regular basis. Failure to register all members within the allotted time frame will be considered an act of misrepresentation and will have adverse effects on the Club's membership status and, more importantly, there will be no insurance coverage for unregistered persons.