Insurance
About your FCA Insurance/À propos de la police d’assurance de la FCA- FCA is only available through club or Provincial affiliation, this service is sold in cooperation with the Provincial Archery Associations in Canada.
- Third party coverage for public liability and property damage (PL&PD) is included with your FCA membership. The policy has a $5,000,000 limit, covering normal archery activities. This includes your shooting at any club in registered events and tournaments.
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- It provides secondary coverage for hunting, but does not cover professional or business activities.
- Coverage extends to FCA members, affiliated clubs & affiliated Provincial Organizations
- Coverage begins the day you mail your application and fees to your FCA affiliated Provincial Organization and expires December 31 of that year.
FEDERATION OF CANADIAN ARCHERS
INSURANCE PROGRAM
With your membership in the Federation of
Canadian Archers you are automatically included in their “Liability
Insurance” program. Only a Club, Association or Member in good
standing may obtain the benefit of this program. The insurance
provided is another example of the Federation of Canadian Archer’s
response to the needs of Archers in Canada.
The following summary is provided for
convenience only. It is not intended to replace the policy or
certificate nor to modify the conditions applicable to them:
Limit of Liability is an inclusive limit of
$5,000,000 providing indemnity for clubs, their officials,
volunteers, employees and members due to legal liability as a result
of injuries or death to persons and damage to property of others
arising out of all club operations including the following
extensions and/or sub-limit, however, coverage for members and
volunteers is excess of their own personal liability insurance but
becomes primary if there is none.
1.
Tenants Legal Liability (Broad Form) - sub-limit of
$1,000,000. which covers on a Blanket Basis Legal Liability for
damage to buildings of others rented or occupied by the
Club/Association (Subject to a $1,000. deductible).
3. Medical payments - limits of $2,500. (maximum of $25,000 per incident) each person pays reasonable medical expenses incurred by non employees and non association members as a result of accidents on the premises or within the scope of the club operations. This area of coverage applies only to third parties
4. Property Damage - on an “Occurrence Basis”, covers events that occur during the policy period, regardless of when a claim is launched (subject to a $1,000. deductible).
5. Blanket Contractual Liability - protects against bodily injury or property damage assumed under oral and written contracts or agreements.
6. Cross Liability Clause - means that each club insured is protected in the same manner and extent as though a separate policy had been issued to each but it does not increase the policy limit of liability beyond the amount for which the insurance company would have been liable if only one person or club had been named as insured.
7. Personal Injury – Limit of $5,000,000. Covers for injury arising out of certain specified offenses such as libel, slander, false arrest, malicious prosecution or violation of an individual’s right of privacy.
8. Non-owned Automobile - Limit of $1,000,000. Protects the club from legal liability for bodily injury or property damage from the use of any motor vehicle not owned or leased by the club but used by anyone on the club’s behalf (i.e. a member may be in a car accident while on club business and his own insurance may prove to be inadequate or non-existent.
9. Employees & Volunteers as additional Insureds - extends liability coverage to employees and volunteers acting within the scope of their duties.
10. Limited Watercraft Coverage - provides cover arising out of the use or operation by or on behalf of the club of any watercraft not exceeding 8 metres in length.
11. Worldwide Coverage - for damages with respect to bodily injury or property damage provided that suit for any such damages against the insured club is brought within Canada or the Continental United States of America.
12. Owners Protective Liability - is designed to provide coverage for an insured club against legal liability imposed arising out of work performed by independent contractors on their behalf.
13. Employee Benefits Liability - $1,000,000 aggregate, provides cover for a claim made by an employee or former employee caused by an error or omission in the administration of an “Employee Benefits” program ($1,000. deductible applies).
14. Incidental Malpractice - covers for liability incurred from rendering or failing to render professional medical, dental or nursing services by a facility maintained for employees’ benefit and convenience
15. Advertising Liability - $100,000 sub-limit, covers injury arising out of an offense committed during the policy period occurring in the course of the Named Insured’s advertising activities if the injury arises out of libel, slander, defamation, violation of right of privacy, piracy, unfair competition, or infringement of copy right, title or slogan.
16. 60-Day Notice of Cancellation - the Insurance Company cannot cancel the policy without giving at least 60 days notice; 15 days in the event of non-payment of premium
17. Intentional Acts - Bodily Injury protection is extended to include reasonable force when in protection of persons or property.
18.
Participant Coverage - The policy includes cover for
injury to participants and would respond normally to any such injury
as it would to any Third Party injury.
MAJOR EXCLUSIONS are liability arising
out of:
·
The use or ownership of any automobile, aircraft, or
watercraft over 25’ in length.
·
Intentional acts (unless to protect persons or
property).
·
Damage to property owned, used or occupied or in one’s
care, custody or control. (See Tenants Legal Liability extension).
We remind you that the insurance policy is a
legal document and that this condensed version of the policy
coverage is not intended to be an exhaustive explanation or
interpretation of the actual policy.
If you have any questions concerning the
coverage, please contact us directly and we will be pleased to
answer them.
B.F. LORENZETTI & ASSOCIATES
INC.
2001 McGill College, Suite 2200 MONTRÉAL, Québec H3A 1G1
ROXANNE JOBIN, Account Executive