Wednesday, March 11, 2015


Recipe for a Great Workout

Tuesday, February 24, 2015


It is time for OffSeason Hockey!

Tuesday, February 10, 2015

Regular season Hockey is wrapping up and it is time to start thinking about the Spring, finally! 

Does your child participate in Spring/Summer hockey? If the answer is YES, then CSIB can help you. We provide insurance coverage on a team by team basis for those who are travelling around to games and tournaments. If you run an organization with six or more teams, we have options for you as well. 

Our Offseason program offers a $5MM general liability limit (including participants liability) and accident coverage. This full package contains all the necessary coverage's your child’s team will need while they are playing hockey past the winter season. If the team travels out of country for a tournament- no problem, we can extend the accident policy to cover the players, coaches and managers while they are away. 

For more information please visit our website at www.csib.ca and review our programs.


Janelle Catherwood
Sports Risk Advisor  More...

50 is not too late to begin a Healthy Lifestyle

Tuesday, February 03, 2015

I recently celebrated my 49th Birthday at the end of December and as I look upon the year ahead I realize that I will be 50 at the end of 2015. The number scares me as I reflect on my life and wonder what have I done for myself and why I haven't taken care of the body I was given.

In October 2014 I had a knee replacement surgery and it has been a long four months of recovery and I am still unable to walk properly. I realize the importance of leading a healthy lifestyle and being fit and active.

As I journey into the next stage of life, I have challenged myself to live a more active lifestyle and make better choices when it comes to my health. Do not take your body for granted. The healing process with my knee has been cumbersome and the commitment to making it work has been tough. Daily exercise and physio have consumed my days and it will be a lifelong process to ensure my future mobility.

My team mates at CSIB are extremely supportive. We work daily to provide insurance and advise for amateur athletes of all sizes and shapes and I urge you to listen to my words of advice: TAKE CARE OF YOURSELF. You are never too young or old to start living a healthy lifestyle because someday you will be looking at 50 too.

Susan Ewart, CAIB
Director of Insurance Services 

Do you have the right coverage?

Tuesday, January 27, 2015

Fitness Facilities and Fitness Instructors of all kinds have a unique exposure to risk that most other businesses do not.

Things to consider if you run a Fitness Facility:

• Professional Liability (Errors & Omissions)Coverage
• Are you obtaining a copy of Insurance from contracted trainers/instructors?
• Is your equipment properly protected?
• Do you post workouts / advice on line?
• Do you sell anything? Ie. Clothing, diet plans, supplements?
• Do you carry the appropriate insurance for your operations?

Things to consider if you are a Fitness Trainer/Instructor:

• Are you a contracted trainer? Or are you employed by a Facility?
• Do you carry the appropriate insurance via requirements of the studio(s)/facility(ies) you work at?
• Does the facility you work in cover you? Are you sure?
• Do you carry Professional Liability Coverage (Errors & Omissions)?
• Do you post workouts / advice online?
• Do you carry the appropriate insurance for your operations?

Jenn Bishop
Sports Risk Advisor

Creating a Habit: Getting back into my Running Routine

Tuesday, January 20, 2015
It is hard to believe that January is more than half over already. A New Year represents a fresh start and a blank canvas. Goals are created in personals lives, work, fitness, family, etc.

In Jenn’s last blog, she gave some tips and talked about what she does to stick to her New Year’s Resolutions. Here is an interesting pin I found on Pinterest for those of you who like these things. Make one change a month.

I enjoy running and before my knee surgery in October, I was going for runs/jogs 3 + times a week. I was in a really good routine and was pushing myself to set new goals to become a better runner and get more distance. At the beginning of January I was given the go ahead to start jogging again. I was very excited and it was perfect timing- the beginning of January- so I could start my year off right.

It’s amazing how quickly I fell out of routine. Running is something I enjoy and I cannot imagine if I wasn't able to do it anymore. However, I am finding it extremely difficult to get back into a routine and create that habit of jumping on the treadmill to work up my endurance. I got used to little or no exercise and healing my leg that it seems like a chore to lace up my shoes and get going.

I am a fan of distance, so when I head out for a run I like to go until I am ready to call it a day. My knee is still healing so I am required to take it slow and do walk/jog intervals which I am finding is hindering my motivation!

I am making goals for myself to get back into the groove of things and hopefully by summer I’ll be back out on the dirt roads better than ever!

I encourage everyone to find something small they want to work on whether it be walking, eating better, jogging, swimming, etc. and stick to it! Once something becomes habit you are more likely to add it into your regular routine without even thinking about it. Life happens and road blocks will surely come up but it’s important to work through them so you do not sabotage all the hard work you have accomplished so far!

-Janelle Catherwood
Sports Risk Advisor


New Year’s Resolutions

Tuesday, January 13, 2015
For most people a new year’s resolution is an empty promise they make to themselves.

My approach is some what different. I don’t call it a new year’s resolution, I call it goal setting. It’s a process. If you follow it you will be much less likely to fail. These are the steps I follow.

1. Open a note book or an excel document.

2. Categorize the areas of your life. Ie. Health & fitness, Relationships, Finances, Career and so on.

3. Pick only 2 or 3 of these categories to work on. The reason I say this is because it’s a lot of work.
If you pick too many you’re likely to become over whelmed and give up.

4. Create S.M.A.R.T. goals for each of your chosen categories.

a. S- Specific                What exactly do you want to accomplish?

b. M- Measurable          Can you assess your progress? How?

c. A- Achievable            Is your goal within your reach?

d. R- Relevant               Is it relevant to your life?

e. T-Timely                   Set a deadline or goal completion date.

5. Review at the end of every month. Yes, every month. Why so often? Because every quarter isn’t often enough to see if you are on track or if you need to make some modifications to your plan or your behavior.

6. At year end grade yourself on each of the categories. Analyse your results objectively. If you did not succeed, why? And what can you do differently to overcome those reasons.

7. Set new goals for the next year.

Good luck and let us know how this works for you.

Jenn Bishop
Sports Risk Advisor

Hockey Hockey Hockey

Tuesday, January 06, 2015

Hockey is a pretty hot topic of discussion during winters in Canada. Seems fitting as Canada’s Juniors have come back on top with their Gold medal win against Russia in last night’s final at the World Junior Tournament in Toronto.
“What are you doing this weekend?”

Response: “Well, Johnny has a hockey game here and Susie has a hockey tournament there”

Sound familiar? Usually the case for many Canadian hockey parents. Dad takes one child 3 hours east and Mom takes another 5 hours west. That’s that case for a lot of people I know anyways.

Why do parents do this? Maybe because they want their children to be part of a team, travel around with their friends, the parents make friends during the years their children play and because it’s a great team sport and it’s just what they do.

Hockey is very important to many people and as soon as the ice is in the rink in the small town I am from people are on it. Many even create a skating rink out on the Dam where their  ice fishing shack is set up.

The hockey played in the winter is part of a sanctioned league and is therefore covered (insurance wise) under Hockey Canada’s policy.

What happens when your child wants to join one of those “Spring/Summer” teams and travel around? CSIB comes in to play and can provide insurance coverage on a team by team basis for those who are travelling around to games & tournaments.

Our Offseason program offers a $5MM general liability limit (including participants liability) and accident coverage. This is the full package your child’s team will need when they are playing the game past the winter season. If the team travels to the USA for a tournament- no problem. We can extend the accident policy to cover the players, coaches and managers while they are away.

For more information please visit our website at
www.csib.ca and review our programs.

-Janelle Catherwood

Hockey Schools & Camps

Tuesday, December 30, 2014
Do you manage a hockey school organization? Or are you just a mom or dad who wants to get your son or daughter and a few of their friends practiced up for the upcoming hockey season. Regardless your answer, CSIB offers Hockey School insurance.

We provide a $5,000,000 general liability limit including participants liability. Accident insurance is optional but we highly recommend this coverage. This is available for both contact and non-contact. 

What’s covered? All on ice activities and dry land training associated with your school or camp. This extends to the instructors and volunteers involved with the training as well. 


Professional Fitness Trainers

Tuesday, December 16, 2014

I think the entire country is obsessed with a six pack and I don't mean a case of beer. our definition of fitness certainly has changed throughout the years. We all seem to be on some sort of a diet or fitness plan.
Fitness probably isn't something that most of us should dread but it certainly is for me. I mean who really wants to sweat that much?

I have tried the "Personal Trainer" ,whom I thought was going to whip me into shape, and of course my first question was "Do you carry Errors & Omissions insurance'? The Trainer looked at me like I was from Mars.

A Professional Fitness Trainer has a liability exposure. If they make an error in instructing you to get the best results and a permanent injury occurs, they can be held liable. I know that I am physically very uncoordinated and with some mobility issues, I wanted to ensure that my Trainer knew how to address the needs of someone who needed a new knee.

Whether the Fitness Trainer is an independent contractor or works for a Fitness Facility, carrying the proper liability insurance In the event of negligence is a must and a good business decision on the part of the Trainer.

So the next time you decide you want to tackle the fitness game make sure you do your homework and work with someone who not only cares about their business but has your best interest at heart.

Susan Ewart, CAIB
Director of Insurance Services