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).
2.
Products Liability - is designed to cover your Legal
Liability for injury or death to persons or damage to property of
others caused by a condition in a product sold, distributed or
handled by you, after it is in the customers’ possession and away
from your premises (e.g. food, supplies).
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
Telephone : (514)
843-3632 (800) 465-2842 Fax : (514) 843-3842
Sports@BF-Lorenzetti.ca
CONTACTS: JIM STIRLING, Associate Vice-President
ROXANNE JOBIN, Account Executive
