Commercial General Liability

CGL 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.

CGL for 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, fundraisers, etc.

CGL for Festivals - 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.

Non Owned Automobile Liability

Non-Owned Automobile Liability is coverage for a vehicle that is owned by an individual other than the company, but is used on the 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 Auto under the company’s general liability policy would respond as excess.

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.

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.

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.

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 a 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 the theft of money from 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 fundraising events. This money can be insured against a hold-up or a break-in at the home of the custodian. This 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 Organization’s 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.”

Individual Insurance for Accredited DBC Leaders

This insurance policy is specifically designed to provide liability coverage to 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 standard in regards to their duties to conduct 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 and within applicable rules and laws

D&O Liability provides coverage to directors and officers for their exposure to litigation arising out of their conduct as a director or officer of a club, team or association, subject to the policy terms and conditions. This policy covers directors and officers for 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. Completion of a separate application is required to obtain D&O coverage.

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.

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. Completion of a separate application is required to obtain this coverage.”