Ontario Soccer

• Commercial General Liability Insurance FAQ’s
• Accident and Travel Insurance FAQ’s
• Detailed Summary of General Liability Insurance Coverage
• Ontario Soccer Accident Benefits Overview
• Accident Claim Form
• Out-of-Country Emergency Medical Summary

How does this coverage work in terms of referee assault?

• Accident coverage: The accident policy excludes injuries sustained from fighting but does provide coverage if injury is caused by an assault against the referee during a sanctioned game.
• Liability coverage: The liability policy is there to defend if an injured party pursues compensation as a result of alleged or proven negligence against the individual - in this case a referee. Provides coverage only if the ref is sued, not if the ref tries to sue.
  If a referee is injured while officiating a sanctioned game, will the coverage include payment for lost wages?
• No, there is no coverage for lost wages.
  Does the policy provide coverage if a referee’s personal vehicle is damaged after a game?
• No. This would have to be claimed under the comprehensive coverage on a personal auto policy.
  Would insurance for car/life/home cover referees while officiating?
• Life insurance policies vary and may include restrictions for loss sustained while participating in sporting activities.
  Are referees covered under both the accident policy and the liability policy?
• As long as the referee is officiating an Ontario Soccer-sanctioned game, that referee is covered under both the Ontario Soccer accident policy and liability policy.

Ontario Soccer vs. Club/League (Incorporated) Insurance Coverages

Notes:

1. All fundraising activities will be covered (when appropriate insurance coverage is purchased through the HUB on-line program) except events involving the sale or distribution of alcohol and/or the use of fireworks.
2. HUB International can obtain separate coverages for these exposures when required. Contact us to arrange this coverage: [email protected] or (416) 597-5521.
3. This must be purchased separately via the Ontario Soccer website.
4. Directors and officers (D&O) insurance: board members can be held personally liable for the wrongful acts of a club. The D&O policy protects past, present and future board members of clubs and leagues officially registered with the OSA against the personal costs of legal liability as a result of wrongful acts that cause others to suffer financial loss. Coverage also extends to spouses of board members, the corporation, trustees, employees, volunteers and committee members.

Insured Organizations

The following are "insured" organizations under the Ontario Soccer's D&O insurance policy and do not need to purchase additional D&O coverage through this program:

• Durham Region Soccer Association
• East Central Ontario Soccer Association
• Eastern Ontario District Soccer Association
• Elgin Middlesex Soccer Association
• Essex County Soccer Association
• Greater North Soccer Association
• Hamilton Soccer
• Huronia District Soccer Association
• Lambton Kent Soccer Association
• Niagara Soccer Association
• North York Soccer Association
• Peel Halton Soccer Association
• Scarborough Soccer Association
• Soccer Northwest Ontario
• Southeast Ontario Soccer Association
• Southwest Soccer
• Toronto Soccer Association
• York Region Soccer Association

If a member of our club is injured participating in a sanctioned game, is there coverage under either of these policies?

No. The Ontario Soccer has arranged general liability insurance and accident insurance for its registered members and the cost is included in the registration fee paid by each member.

The Ontario Soccer general liability policy is designed to protect against lawsuits brought by individuals alleging that the Ontario Soccer and/or its members have negligently caused "bodily injury" to a player or spectator. The policy also covers other types of lawsuits such as property damage, personal injury (libel and slander) and non- owned automobile liability. The policy does not cover expenses related to criminal charges brought against a member of the Ontario Soccer regardless of the nature of the charge(s).

The accident policy is designed to reimburse a member in good standing who suffers a covered injury/death while participating in an Ontario Soccer sanctioned activity. The accident policy is designed to provide coverage to those members who do not have access to another health insurance plan or to supplement existing health insurances.

Additional Information

• Rules that effect insurance eligibility
• Ontario Soccer Distribution / Consumption of Alcohol Protocols

If higher coverage limits are required, please contact an Ontario Soccer Insurance representative for a quote.

HUB offers a unique ClubCombo insurance policy to provide coverage for:

• Office contents (tables, chairs, equipment, etc.) and tenant improvement (usual or incidental to your business) while in your business premises. The office location may be a standard office space or a home office provided the office is for an Ontario Soccer registered club.
• Perfluoroalkyl and polyfluoroalkyl substances (pfas) exclusion
• Potential liability associated with your Club's involvement in fundraising activities EXCEPT events involving the sale or distribution of alcohol and/or the use of fireworks.

Note that fundraising and non-soccer related activities are not insured by the Ontario Soccer's Commercial General Liability program. Individuals clubs requiring liability insurance coverage for these activities should purchase a ClubCombo policy.

Coverage Available for Online Purchase

• Three levels of office contents coverage available: Option A $10,000 Limit; Option B $25,000 Limit and Option C $50,000
• Provides computer coverage and business interruption including extra expense, professional fees and valuable papers
• Office liability coverage that includes:
• Liability coverage if your club is held legally liable for an injury sustained by a third party visiting your office space

• Tenant's Legal Liability coverage if the club is liable for property damage caused to the space it occupies. Your landlord may 

  require confirmation of this coverage as part of your lease agreement.

• Directors & Officers Liability coverage with limits of $1,000,000 or $2,000,000 is also available and can be purchased alone or in conjunction with the ClubCombo policy.
• Click to download full coverage details for each ClubCombo option and standalone D&O options.
• Option A
• Option B
• Option C
• Directors & Officers Liability $1M and $2M

Cost information based on your club's annual revenue.

Notes:

Office coverage is only designed for office locations and does not extend to indoor facilities such as domes, gyms, weight rooms or fitness studios that you own/operate. To obtain a quote for any of these types of facilities please contact

Jonathan Chan, Account Assistant
HUB Sports & Entertainment Practice
Office: 416-619-4357

ClubCombo insurance does not cover club members injured while participating in a sanctioned game. The Ontario Soccer has arranged General Liability Insurance and Accident Insurance for its members, the cost of which is included in the registration fee paid by each member.

1. Complete a Certificate of Insurance Request Form. Only requests submitted on a properly completed Certificate of Insurance Request Form will be processed.
2. Forward completed form to your district.
3. Your district will then email the form to HUB and provide a copy to the Ontario Soccer.

HUB has committed to process certificate requests within 24 hours and email the certificate back to the district which, in turn, will email it to the requesting club.

Read prior to purchasing team travel coverage.

Should you have any questions, please contact Jennifer Francis at HUB International Limited 416-597-7729 ext. 7729
NOTE: New rate as of Feb 18, 2026, is $6.98 per person per day.

**Annual Coverage option**

We are pleased to announce that Tugo Travel now offers Annual Emergency Medical plans. This option is suitable for teams with the same group of members that travel more than once in a 12-month period.

There are six annual travel duration to choose from. 5, 10, 15, 20, 35 and 60 days per trip. Coverage is worldwide. Please remember to adjust the deductible to $0 if you do not wish to have a deductible. Simply complete the online application process and you will get instant confirmation of your policy including all the information you need for your team to be identified should you require emergency assistance.

1. Please use this link to set up coverage Get a Quote (tugo.com)
2. Please skip the Trip Cost section as this will not allow you to proceed to the next step

3. If you are using Internet Explorer version 10 or older, the site will not work properly. To be safe, try using Google Chrome, 

   Microsoft Edge, or Mozilla Firefox

4. Enter Trip Start and Trip end date
5. Enter names of Travelers. You may enter up to 30 per policy
6. Select Add to Cart
7. Select Purchase your policy
8. Complete your purchase by entering address and credit card information
9. Select Complete Purchase

You will also receive instructions and contact numbers to call in case of an emergency during your trip. You may wish to print this information and keep it handy while travelling.

If you require assistance to complete the application, call 1-855-929-TUGO (8846) and identify yourself as a member of the Ontario Soccer. TUGO representatives are there to help you.

If changes to your travel coverage are required after your policy is issued (e.g., addition or removal of team members) please contact:

Jennifer Francis
Senior Account Executive, Wealth Management & Employee Benefits
HUB International
416-597-7729.