Hockey Canada Insurance Program & Fees
As many members are aware, there has been significant media reports and stories regarding Hockey Canada and the use of minor hockey fees.
AMHA, as a member organization of Hockey NL and Hockey Canada, received the below communication from Hockey NL and we are pleased to pass it along.
We wish to also highlight the HNL fees that are assessed each year. For all players registered with NL minor hockey associations, $61.00 per player per season from your registration fees is paid to HNL. HNL, per below explanation, pays $23.80 per player per season to Hockey Canada.
We hope this aids in your understanding of Association, HNL, and Hockey Canada player fees and insurance programs. Please direct any questions to President@AvalonCeltics.com
TO: All Hockey NL Members and Directors
FROM: Craig Tulk, Executive Director, Hockey NL
DATE: October 7, 2022
RE: HOCKEY CANADA INSURANCE PROGRAM & FEES
As follow up from our Annual Meeting, where Hockey Canada Chief Financial Officer, Brian Cairo, provided a presentation to our directors and membership regarding the insurance program and how Hockey Canada fees from the membership are collected and used, we have received requests from the membership to supply some details to assist in their communication with their participants. The registration fees that are set by Hockey NL Board annually, include the Hockey Canada portion of insurance and assessment fees. Here is the link to our 2022-2023 fees: https://hockeynl.ca/wp-content/uploads/2022/06/Registration-Fees-2022-2023.pdf
Also, here is a link to the Hockey Canada Safety For All Insurance booklet that provides details on the insurance program including aggregate limits and benefits: https://cdn.hockeycanada.ca/hockey-canada/Hockey-Programs/Safety/Insurance/Downloads/safety_teamwork_e.pdf
Here are some of the frequently asked questions, developed and answered by Hockey Canada, that should assist in the communication with your boards and your registered participants, If there are further questions, or require any follow-up conversation or meetings, please feel free to reach out to me directly and I will be more than willing to assist in the communication. We collect registration for all players, coaches, trainers, and officials who participate on the ice and with teams. We don’t collect a fee or premium for all the volunteers withing your organization, however, they are covered under the insurance and liability program.
32 Queensway, P.O. Box 176, Grand Falls-Windsor, NL A2A 2J4 Tel: (709) 489-5512, Fax: (709) 489-2273
E-Mail: firstname.lastname@example.org Internet: www.hockeynl.ca Twitter:@Hkynl
Frequently Asked Questions
What is the National Equity Fund?
The National Equity Fund is a fund that was created in 1986 to provide insurance to our Members, as a means for Hockey Canada to support anyone who might have been injured or harmed where insurance policies were insufficient.
Since that time, it has grown to fund a broad range of safety, wellbeing, and wellness initiatives across our organization. This includes, but is not limited to, insurance, counselling and treatment for players, concussion research grants to the Canadian Hockey League, criminal record checks of Hockey Canada staff, as well as safety initiatives.
Why does Hockey Canada have it?
Until the mid-1990s, Hockey Canada did not purchase insurance policies – it was self-insured. Since 1995, Hockey Canada has purchased insurance policies to manage risk. The premiums for this insurance are paid through the National Equity Fund. The fund also pays for a broad range of safety, wellbeing, and wellness initiatives across our organization. This includes, but is not limited to, insurance, counselling and treatment for players, concussion research grants to the Canadian Hockey League, criminal record checks of Hockey Canada staff, as well as safety initiatives. These represent about 95% of the fund payments since 1995.
The fund is also used to pay uninsured claims that are not covered by insurance policies.
How are registration and insurance fees allocated?
Hockey Canada Members pay Hockey Canada an annual fee of $23.80 per player, which includes both a registration fee and insurance fees.
The registration fee is allocated exclusively to general operations, for example, our programming, facilities, and staff.
Insurance fees are allotted into different funds with specific insurance and risk management purposes. By pooling insurance fees together, our Membership pay much lower and more stable fees than if they had to purchase insurance individually. For example, between 2000 and 2017, there was no change to Members’ insurance fees.
The allocation of the registration and insurance fees is outlined below:
|Type of Fee||Amount/ Participant||Paid into|
|Directors and Officers Insurance||$2.00||National Equity Fund|
|General Liability Insurance (includes sexual misconduct coverage)||$8.90||National Equity Fund|
|Safety/Admin||$2.75||National Equity Fund|
|Medical and Dental Insurance||$2.00||Health and Benefit Trust|
|Accidental Death and Dismemberment Insurance||$5.15||Health and Benefit Trust|
|Total Fees per Player||$23.80|
- Junior hockey players pay an additional $10 medical and dental insurance supplementary fee
- Senior hockey players pay an additional $40 medical and dental insurance supplementary fee. (no face mask)
Does the Health and Benefit Trust pay Uninsured Claims?
No. The Health and Benefit Trust is a separate fund used for specific purposes. None of the fees paid into the trust are used to pay uninsured claims nor Director/Officers insurance.
Doesn’t Hockey Canada purchase corporate/commercial insurance like other companies do?
Hockey Canada began purchasing corporate/commercial insurance in 1995 and has broad coverage for most risks. However, not every risk can be insured. In addition to its other uses, the National Equity Fund is available to cover these uninsurable risks.