We Got You Covered

Let’s talk about those liability forms that every player must sign before participating in the Grande Prairie Ladies Volleyball League (GPLVL).

These forms are a requirement of our Third-Party Liability Insurance, which helps protect the League in the event of bodily injury or property damage claims that may arise during league activities.

This coverage is designed to protect the League and others — but it’s important to understand exactly what is and is not covered.

Who and What Is Covered?

GPLVL (the League) — ✅ YES
Players who injure others or damage property — ✅ YES
Players who are injured as a result of their own actions — ❌ NO

So what does that mean in real-life situations?

Here's a couple examples to help you understand:

• Scenario 1: Player A collides with Player B during a game, causing injury. Player B makes a claim against both Player A and your league.
  Covered - Policy defends your league AND Player A for the bodily injury claim

• Scenario 2: Player accidentally breaks a window at the facility or damages equipment
  Covered - Property damage liability (after the deductible)

• Scenario 3: Player sprains their own ankle and wants medical bills paid
  Not Covered - This is not participant accident or personal medical insurance

• Scenario 4: Spectator gets hit by a ball, suffers injury, and makes a claim
  Covered - Bodily injury to third party

Playing While Pregnant

The GPLVL Board will not engage in debate regarding any adult woman’s decision to participate while pregnant. We respect each individual’s choice to play; however, participation while pregnant is done at one’s own risk.

From an insurance standpoint, this is how coverage would apply:

• If a pregnant player injures herself:
  Not covered — The policy does not pay for her medical expenses.
• If a pregnant player injures another player or a third party:
  Covered — She is covered as an additional insured under the League’s policy.
• If someone makes a claim or lawsuit against the League:
  Covered — The League is defended.

Bottom Line

Our insurance policy is designed to protect the League from bodily injury and property damage claims, whether formal lawsuits or informal claims.

It does not provide medical coverage for players’ own injuries. All players are encouraged to ensure they have their own personal health insurance.

Signing the liability waiver is a required part of participation and helps ensure the continued operation and protection of the League for everyone involved.