Ski instructor insurance - ESI ski school Incomparable professional liability Contract

For what activities are you insured?

All gliding sports activites on snow or grass - exclusive of extreme skiing (1) – as well as associated activities. 

(1)    Extreme skiing: off-pist skiing on slopes of or steeper than 50° and/or which requires mounteneering equipment, such as spikes,ice picks and ropes.

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What does your contract cover?

A. YOUR LIABILITY CONTRACT: you are held liable for an accident which has happened during covered activities: the insurance covers damage caused to others, including to your clients. 

B. LEGAL DEFENCE

1. Appeal: you have suffered damage during one of the covered activities: the insurance guarantees the coverage of all expenses necessary to obtain compensation from the liable party.
    
2. Criminal defence: following an accident subjecting you to penal liability and which occurred during a covered activity, the insurance guarantees the coverage of all expenses necessary linked to your court advocacy, and the insurance company provides advocacy itself.

C. YOUR RESEARCH AND RESCUE EXPENSES: You have had or have been victim of an accident which occurred during one of the covered activities and which has put your life in danger: the insurance guarantees the coverage of all expenses necessary for researching and rescuing you.

D. DEATH COVERAGE: in case of death, which occurred during one of the covered activities, the insurance pays a lump-sum to your beneficiaries (to your surviving spouse, failing that, to the children and born or to-be-born descendants, failing that, to privileged descendants split in equal parts or to the survived, failing that, to insured heirs or heiresses).

 

You also have the opportunity to benefit from preferential rates with our ski instructors' insurance provider for all your insurance needs, such as your ski instructor coverage. Such a contract ensures the security of your income by providing daily allowances in case of accidents, health issues, disability, or death.

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Coverage of the general liability contract

A - General liability              

Physical injury and immaterial consequential damages > 8 000 000€

Material damage and  immaterial consequential damages > 1 525 000€

B - Legal appeal and defence insurance > 30 500€

C - Rescue expenses insurance >  3500€

D - Death Coverage for Instructors >  6100€

This table is a listing of terms and have no contract value. The entire contract is available for consultation at the SIMS. 

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