We find that one of the most helpful ways of illustrating what to do--and what not to do--is with examples. We've added a brief statement at the end of each claim indicating how to best protect yourself from the incident described.

Please note, we're currently sifting through our latest claims and compiling those that are the most helpful. You may recognize some of the following claims if you've been insured by us for awhile (as most of you have). Please check this page again for updates.

Claim No. 1

During a hockey camp an individual was struck in the eye and sustained a serious eye injury. This was not one of the participants in the camp, in fact, it was one of the parents. The camp was having a weekend tournament as several teams were attending the same week long camp. Prior to the start of the game the manager asked one of the parents if he would assist in announcing the game and keeping track of shots. The parent agreed, left his seat and went over by the bench area to perform his tasks. The coach for the visiting team asked him if he would monitor the penalty box, which he agreed to do.

The timekeeper and the announcing area were enclosed to protect both individuals. The injured party did not stay in the enclosed area as he was performing multi-tasks and decided to perform all of his functions in the penalty box. While he was in the box he turned his attention away from the action for a split second and a puck was cleared out of the zone and struck him in the eye. He sustained permanent damage to the eye due to the incident. This claim had significant exposure given the injury.

Protect Yourself:
Sound risk management procedures could have prevented the loss or transferred the risk and exposure from the rink to the user group.

1. The camp should have been insured separately, with a rental agreement signed by the camp and the facility.

2. Requiring the individual to stay in the protected area.

3. Requiring all personnel to wear a helmet and face guard in an unprotected area.