Insurance Coverage

Ringette NS Insurance Coverage

Normal activities taking place during the Ringette season are covered by Ringette NS insurance. Activities considered to be a normal part of the Ringette season are:

  • Sanctioned Games
  • On-ice Practices
  • Dryland Training
  • Evaluations

Activities falling outside those considered to be a normal part of Ringette may still be covered, but these activities may need separate coverage. Contact Stacey Sloan via email at for assistance in this regard. 

Activities outside the normal part of the Ringette season may apply for off-season sanctioning.


Filing an Insurance Claim

If you need to file a Accident Claim Form, please download the form below, fill in all sections and return to Stacey Sloan via email at for approval and submission. Ringette NS will review and forward your claim to our insurance claims department.  Do not file the Accident Claim Form directly with our provider.

Accident Claim Form


Certificate of Insurance Request Form

If you require insurance coverage for a special event, please download the form below, fill in all sections and return to Stacey Sloan via email at  We will review the request and, subject to approval, will forward your claim to our insurance provider. Do not file the Certificate of Insurance Request Form directly with our provider.

Insurance Request Form 2022-23

Special events include: ringette schools, camps, clinics and fundraisers.


Frequently Asked Questions

What coverage is provided to us through Ringette NS?

Ringette NS provides its members with $5,000,000 comprehensive sports liability coverage, as well as a comprehensive Sports Injury Package.

What is the difference between the Sports Liability and the Sports Injury coverage?

The primary difference between the coverages is that liability coverage implies a negligent act may have been committed, while the sports injury coverage responds when an injury occurs, without regard to any wrongdoing or negligence. A single claim may involve both coverages.

Sports Liability Coverage

No matter how careful you are, accidents happen. You (as a volunteer) or your association and/or league can be sued by anyone who claims injury or damages resulting from your operations and activities. These suits can be filed by participants, parents, members, the general public and others. The Sports Liability insurance coverage provided by Ringette NS as part of its provincial membership program is designed to pay claims and all associated legal costs to defend any actions taken against directors or volunteers (Ringette NS members) of associations and/or leagues.

Sports Injury Coverage

The Sports Injury coverage provides protection for participants in Ringette NS, league or association programs, in the event they sustain injury that results in the need for dental work, prescription drugs, physiotherapy, crutches, ambulance service, etc. Details on specific benefits provided by Ringette NS’s membership insurance program as well as plan limits can be found in the insurance policy information section of our website. Our plan also provides benefits for any participant who is more seriously injured.

Who is covered by this insurance policy?

All Ringette NS registered members are covered. This includes local, regional and provincial executives, managers, coaches, trainers, officials, volunteers and participants. Ringette NS registration is confirmed by inclusion in Ringette NS’s membership registration database.

What about participants who are new to ringette and who are not yet registered with Ringette NS?

Ringette NS allows for a short grace period for local association entry of registered members into the Ringette NS database. In these cases, so long as the local association holds a temporary record of registration, Ringette NS membership shall apply. New participants are considered to be day members of Ringette NS when they first come out to try the sport. New participants are temporarily covered until such time as they formally register and become a Ringette NS member or decide not to participate in the sport and no longer require coverage.

Our Association is thinking of conducting or hosting a skills clinic. Are we covered?

The general liability coverage of $5,000,000 protects the association, but may not extend to cover the instructors, unless they are Ringette NS members and have received the proper approval in writing. In order to provide the participants with Sports Injury coverage, the clinic must be sanctioned by Ringette NS and all participants must either be, or become, full or day members of Ringette NS.

My team is planning an activity (dryland training, team wrap-up, party, etc.) Are we covered?

Yes, provided the activity is a generally accepted, ringette-related activity and is endorsed by your local association. Our coverage is quite flexible in terms of providing insurance for non-ringette specific activities. As an example, dryland training activities which often involve other “sport” activities like rollerblading, running, gym ringette, aerobics or exercising in a gym are covered.

Your local association must provide insurance coverage for the activity, especially if a certificate of insurance is requested by the venue where your event is being held. For special events featuring activities outside of those typically insured by Ringette NS, contact Ringette NS for details for obtaining on separate special event coverage.

Our team would like to have a parent-child game. Are we covered?

No.  Family members are not registered members of Ringette NS and therefore, are not covered by insurance.  Unfortunately, Ringette NS is unable to sanction events with a mix of insured and uninsured players.  Insurance becomes void for our insured players if there are uninsured family members participating.

All participants should be notified if the team decides to obtain 3rd party insurance through the facility and injury/liability related to these games are not insured by Ringette NS.

I am a volunteer member of our Association's Exceutive or that of Ringette NS. I have heard that I can be personally sued for my actions. Am I covered for this?

Our policy provides Directors and Officers Liability coverage up to $3,000,000.

Suppose we have a fundraiser or social and alcohol is served. Can we be held liable for someone's actions if they drink too much?

Suits such as these are becoming more common all the time. The liability policy has been amended to cover this exposure, along with any other injury that might occur during the event that is due to your negligence. Permission for those events where alcohol is served must be obtained in advance from Ringette NS (a small charge may be levied).

How do I file an accident claim?

Claims should be initiated as soon as possible and no later than within 30 days following the accident. Simply fill in an Accident Claim Form (see above), attach any receipts and forward to Ringette NS.

Must everyone on the ice wear protective equipment such as a helmet?

Yes. Everyone on the ice must wear a helmet.



Click here for more information on whether specific activities are covered.

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