WFTDI Canada FAQ
WFTDI Canada (Former Members of CRDi)
WFTDI Canada retained the same policies and procedures former CRDi members have come to expect. The enrollment/purchase process will change in 2020, as CRDi members will be transitioned to a new, secure membership system. WFTDI Canada members will be notified via email when the transition occurs.
Our goal is to keep existing policies and rates intact whenever possible. We don’t like increasing rates any more than you like paying increases. We strive to keep rates as low as possible for our members, and that will not change.
Prior to this change, WFTDA and CRDi enjoyed a reciprocity agreement and shared very similar policies. WFTDI Canada members should continue to adhere to best practices and recommendations previously required by CRDi, and we encourage members to adhere to the WFTDA Risk Management Guidelines. If your league hosts a WFTDA Insured league, you must adhere to the WFTDA Risk Management Guidelines in order for their coverage to be in effect at your event.
If you prefer to insure through WFTDI Canada, you must retain your WFTDI Canada membership, but otherwise, your league may choose to insure through any provider or membership organization in Canada. If your league plays sanctioned games in the US, you must meet minimum insurance requirements, including general liability for a minimum of $2 million USD, and personal liability ($1 million USD) and accident coverage for all rostered skaters, valid in the US.
Membership in WFTDI Canada (formerly CRDI) costs $55 (CAD) and provides roller derby resources including information, risk management best practices and recommendations, and three types of insurance:
Accident insurance is supplemental coverage to help with expenses related to derby injuries that exceed your provincial insurance. This is sometimes also called medical insurance or injury insurance.
Liability insurance is typically required by your venue, and provides the insured party with protection against claims resulting from injuries and damage to people and/or property, for covered events. Liability insurance usually covers both legal costs and any payouts for which the insured party would be responsible if found legally liable. Intentional damage and contractual liabilities are generally not covered.
Travel insurance coverage is valid only if you are traveling outside of Canada, and helps cover excess medical expenses, evacuation, ground and air ambulance fees, prescription drugs, repatriation, and includes an Accidental Death and Dismemberment (AD&D) benefit. This coverage is included when you purchase a membership through WFTDI Canada, and is valid worldwide, when participating in roller derby events with your league, and at RollerCon.
In addition to accident, liability and travel insurance, what other types of insurance are common in roller derby?
There are many types of insurance, but the two most commonly accessed in roller derby are:
Directors & Officers (D&O) Insurance protects the personal assets of the organization’s directors and officers, in the event they are personally sued for actual or alleged wrongful acts in managing the company or organization. This insurance covers legal fees, settlements, and other costs, and we strongly recommend all leagues carry D&O coverage. This coverage is available through WFTDI Canada for an additional fee.
If your league sells liquor or beer at events, Liquor liability insurance provides coverage in the event a person you sold alcohol to then causes injury or damages. Liquor liability insurance can pay for legal fees, settlements, and medical costs. This coverage is not available through WFTDI Canada. For coverage, please contact a licensed insurance agent in your province.
You must reside in Canada and have provincial insurance or some other type of primary insurance (travel insurance does count). WFTDI Canada coverage is supplemental to primary insurance. You may be eligible for WFTDA Insurance (USA) if you don’t have provincial insurance in Canada.
There are additional, serious risks and liabilities associated with minors, not limited to injury. Minors cannot indemnify any league, nor can a parent on their behalf. That means leagues may not have liability protection if anything were to happen to a minor, and the league could be sued as a result. Waivers that are signed on behalf of or by a minor do not stand in court. For these reasons, we strongly discourage minors participating with adult leagues.
Accident claims will be processed, but liability coverage may not be in effect.
Accident coverage will be in effect when adults coach juniors practice on skates.
As long as there is clearly understood separation between the area where the juniors are practicing and the area where the adults are practicing, your liability and accident insurances are in effect. For example, juniors are practicing on turn 4 and adults are practicing on turn 2 and all the participants understand this. If there is no clear separation, accident insurance is still in effect but liability insurance is not. This is also true of roller discos, parades, and non-contact skating.
The most common type of first aid to meet best practices is St John’s Ambulance emergency level first aid, or any equivalent training meets best practices as well.
St. John’s Ambulance emergency first aid is a one day course for individuals who require basic information on first aid and CPR for the workplace, educational institution or personal interest reasons. This course meets Canadian Labour Code and Ontario First Aid Regulation 1101 for workplaces with less than 5 employees. This interactive program includes CPR training for adults, infants and children, 2 person CPR as well as automated external defibrillation (AED). Certificates valid for 3 years are issued upon successful completion.
Not having a first aid certified person at practice does not affect your accident insurance but may affect your liability insurance. Be sure to check your provincial guidelines for regulations and compliance.