BFL CANADA INSURANCE PROGRAM FOR DRAGON BOAT CANADA MEMBERS


CLUBS, FESTIVALS AND COACHES AND STEERSPERSONS


About BFL CANADA

BFL CANADA is 100% Canadian owned and one of the largest employee-owned commercial insurance brokerage/risk management services firms in Canada. The organization was established in Montreal in 1987 and today services clients from thirteen offices across the country. We have built our business over the years by providing superior service and innovative solutions for our clients. Our secret is simple and summarized by our President: “it’s simply hard work and dedication…the same hard work and dedication our clients invest in their own organizations”.


F.A.Q.
1. What is covered under a Dragon Boat Policy?

Day to day dragon boat operations include activities usual to dragon boating such as indoor and outdoor water training, dry land training, practices, races, social activities, fund raisers etc.

2. Are Waivers required for participants and non-members?

We recommend all Clubs obtained signed waivers for liability reasons.

3. Do I need to insure my Boats under my Festival policy if they are already listed under my Club policy?

No, please only list them under your club policy. If you have Additional equipment that you have not already insured under your club policy please add this to your Festival application.

4. How many members make up a crew?

We understand this may not be the exact number of your crew, however for Insurance rating purposes a base number of 22 members make up a crew.

5. How do I add an Additional Insured?

Please add your Additional Insured Information at the same time as your Club information and a referral will be submitted for a licensed agent to review. OR Please log back in and updated the Additional Insured sections, your request will be submitted for a licensed agent to review.

6. Do we have coverage for our Club if we travel to an event outside of Canada?

Canada only. Should you have an event outside of Canada, please contact us at dbc@bflcanada.ca for review.

7. We have a Junior Club, is this covered under the Club Package?

Should your Club have a Junior Club, please contact us at dbc@bflcanada.ca for review.

8. Is setting up a Kiosk included in my Club policy?

Yes, social activities, fund raisers, and providing information about the sport are covered under Dragon Boat operations

9. Are Tug of Wars covered under our Festival Policy?

Yes.

10. As a Coach, do I have coverage outside of Canada?

Canada only.

11. My Company does not run a Dragon Boat Club however we do host Festivals for Dragon Boat Clubs. What kind of insurance would I be eligible for if my company is a member of DBC?

As a member of Dragon Boat Canada your Company qualifies for the DBC Festival Insurance through the Dragon Boat Program. You will need to fill in a separate application for each Festival.

12. Does my Club cover me as a Coach?

No, you will need to obtain your own policy. Please go to the Coaches and Steersperson Liability section.

PROGRAM INFORMATION AND DEFINITIONS

Commercial Package Policy


Property of Every Description


This section provides coverage against All Risks; subject to the policy exclusions, of direct physical damage to the club’s and/or festival’s declared property based on a replacement cost basis. This could include boats, laptops, office furniture, life jackets, paddles and other property belonging to the insured.

Members should report the replacement cost values of their Property.


Business Interruption (For Profit Clubs Only)


Also, includes an option for Rental Reimbursement Coverage which will pay the cost of a rental boat(s) if your insured boat(s) is damaged due to a covered loss.


Boats and Laptops


This section provides coverage against “All Risks” of direct physical damage to the club’s and/or festival’s declared boats and laptops based on an actual cash value basis.


Non Owned Automobile Liability


Non-Owned Auto is liability coverage for a vehicle that is owned by an individual other than the company, but is used on a company’s behalf. It is intended for those “incidental” accidents – such as those that might occur when you send an employee or volunteer on an errand to buy lunch or go to the bank. The employee’s own automobile policy would respond first, and the Non Owned Automobile liability under the Company’s general liability policy would respond as excess.


Commercial General Liability (CGL) for Festivals and Clubs:


This coverage will cover festival and/or club organizers and/or volunteers as a result of bodily injury(ies) and/or property damage incurred by third parties, resulting from the negligent acts of the festival and/or club organizers and/or volunteers for the organizing and running of a sanctioned Dragon Boat activity, subject to the policy terms and conditions. The liability policy also provides coverage for defence costs incurred to defend insured allegations stipulated in any written action against the festival and/or club and/or volunteer.


Clubs - coverage provides insurance protection, based on the specific coverages chosen, for the clubs’ day to day dragon boat operations. This includes activities usual to dragon boating such as indoor and outdoor water training, dry land training, practices, races, social activities, fund raisers etc.


Festival - Coverage provides insurance protection for the club or organization that assumes the responsibility for hosting, directing and organizing a Festival, which takes place at a predetermined time and place and for specific insured dates.


Liquor Liability for Festivals


Liquor Liability gives protection against liability or lawsuits brought against the clubs and/or festivals that hold single or multi-day functions involving alcohol, even if they are not actually serving the alcohol. The development of liquor liability policies was the direct result of changing legal climate towards the responsibility of those who provide liquor to the public. Liquor liability is not limited to those licensed to serving the alcohol.


Crime


This section provides limited coverage for theft of money from the clubs and festivals by their employee(s) and/or volunteer(s) who are part of the club or festival and have access to the club’s or festival’s funds.


Your organization may have access to funds collected from members or through fund raising events. This money can be insured against a hold-up or a break-in at the home of the custodian and is an important component of the insurance as it is not always possible to make bank deposits immediately following a fundraiser. Such a loss could have a serious effect on the Organizations’ operations. This form provides coverage against money and securities on a 24 hour basis against the perils of theft, burglary, hold up and fire. The theft of funds must be reported to your local policy authority first in order to make claim.


Coaches and Steerspersons Liability Policy


This Commercial General Liability insurance policy is specifically designed to provide liability coverage for Dragon Boat Canada certified coaches for their activities as dragon boat coaches. The Club and/or Festival policies do not extend liability coverage to coaching activities; therefore the Coaches Liability coverage should be secured by all DBC certified coaches.


Directors and Officers Liability Policy


Directors and Officers are held to an ever increasing high standard in their duties to conduct their business operations and activities. Directors and Officers have 3 basic duties to fulfil:


1.   Duty of Diligence (Duty of Care): Act reasonably, in good faith, in the organization’s best interest.

2.   Duty of Loyalty: Place the interest of the organization before your own

3.   Duty of Obedience: Act within the scope of the organization, within applicable rules and laws


D&O Insurance provides coverage for the Directors and Officers for their exposure to litigation arising out of their conduct as a director or officer of the club, team or association, subject to the policy terms and conditions. This policy covers the Directors and Officers for their legal liability as a result of a ‘wrongful act’. Note: This policy excludes bodily injury and property damage as this exposure is picked up under the Commercial General Liability policy. A separate application will be required to obtain this coverage.


Cyber Liability Policy


Cyber Liability is an extremely important coverage in today’s electronic world. This coverage has 2 components to coverage:

First Party Coverages (which helps protect the financial exposures to the organization) and Third Party Coverages (which helps protect against the damages caused to third parties as a result of the organizations negligence).


Privacy coverage is the financial costs that arise as a result of a violation of data you keep in your files (both electronic and paper files). If a hacker were to gain access to your records, this is considered a breach which results in the cost to notify each individual person or organization whose information was stolen as well as the cost to monitor the individuals or organizations credit rating to ensure the breach of their records does not harm their credit score.


Cyber Liability is financial damages to third parties caused by viruses that emanate from your electronic devices. This could be as simple as someone sending an unauthorized email with a virus attached to the email or a Trojan horse attachment. This could cause great damage to a third party including the loss of revenue associated with downtime of their servers.


There is a separate Cyber questionnaire that must be completed should you want to secure this coverage.


Legal Expense Insurance


Legal Expense Insurance provides coverage for legal costs incurred during the pursuit or defence of a claim, benefitting those who otherwise fall between the cracks of our current system and provides different coverage options available for various aspects of everyday life.


DASbusiness – a business policy for Dragon Boat Clubs that ensures that the cost associated with today’s complicated business landscape are looked after. Coverage includes employment disputes, legal defence, statutory license protection, property protection, bodily injury, and tax protection. Contract dispute and debt recovery can also be added.


Most importantly – all types of coverage include access to a legal advice helpline.

It’s like having a lawyer on retainer: with unlimited access to telephone legal advice for any business or personal related issue plus access to the courts - anybody, for which the legal expense of a lawsuit would create financial hardship, would benefit from legal expense insurance. A separate application will be required to obtain this coverage.


Event Cancellation Policy


Event Cancellation Insurance provides coverage for the loss of costs and expenses or revenues that result from the cancellation, abandonment, postponement, interruption or relocation of an event (in whole or in part). The cancellation may be due to uncontrollable circumstances such as inclement weather, natural catastrophes, power failures, strikes, and non-appearance of performers. Coverage typically has to be procured prior to 14 days of the event otherwise insurance companies will not provide the coverage. **Please note Pandemic coverage is not available.