 What is Liability insurance? |
Liability insurance is designed to protect an individual or organization against any legal responsibility arising out of a negligent act or failure to act as a prudent person would have acted which results in bodily injury or property damage to another party. Any individual involved in your activity can claim against you for damages as a result of any injury. |
| Why Liability Insurance? |
Because no matter how careful you are, accidents happen. As the host or organizer of an event or sporting activity, you can be sued by anyone who claims to have been injured or suffered property damage resulting from your activities. You may not be responsible (liable) but you will need to be defended in court. A Liability policy pays for this defence as well as compensatory damages. In short, transferring your risk to a liability insurance policy provides you the opportunity to run your activity with peace of mind. |
| What Insurance Limits am I insured for? |
Limits vary depending on the activity. Under this Facility Rental User Group Insurance program most events are covered for $2,000,000; however, sporting activities that are deemed to be of a higher risk are covered with a $5,000,000 limit |
| Why is this Facility User Insurance program being introduced? |
As of February 22, 2010 it will become mandatory for all facility rental users to provide proof of specific amounts of liability insurance coverage when booking a facility with the City of Brampton. Obtaining liability insurance can be time consuming and expensive; this program is designed to provide a much more affordable and easier option. However, users are welcome to arrange their own coverage and have proof of that coverage filed for the event if they should wish to do so. |
| What is my deductible under this program? |
The deductible under the User Group Liability Insurance program for Bodily Injury, Property Damage and Defense costs is $1,000 |
| Does my homeowner’s insurance policy protect me? |
It may or may not protect you. This must be discussed with your insurance representative as coverage can vary between insurers. If it does cover you, then your homeowner’s insurance company must issue an insurance certificate, see What if I have the Required Insurance/Insurance Certificate, naming the City of Brampton as an additional insured. Ensure you fully discuss the pros and cons of this with your insurance representative. |
| Does the coverage provided under this program provide property coverage? |
NO, this policy provides liability coverage. Your property needs to be insured separately. |
| If I sell food, am I covered under this coverage? |
Yes, however only if the product has not been changed and is in its original package. |
| If I sell alcohol and someone is injured or causes any injury, am I covered? |
Yes, if you purchase the liquor liability coverage you are protected up to the policy limit. |
| I run Skateboard/BMX biking events; can I be insured under this policy? |
No, unfortunately this policy will not cover Skateboard/BMX Biking events. You will be required to purchase your own policy. |
| Does the policy cover spectators should they suffer an injury or their property becomes damaged during my event? |
The insurance policy will cover spectators and property for negligent acts only. It will also provide legal defense if legal action is brought against you |
| What is my responsibility when I have a claim? |
Report the incident, within 24 hours or as soon as practical, to the City of Brampton Insurance and Risk Management Division at the City of Brampton. Collect any witness statements; include their name, address and phone number in order for the insurance company to investigate the claim further. Complete any documentation sent to you by the City of Brampton and/or the Insurer. |
| I belong to an ‘Association’; do I already have liability insurance coverage? |
You may or may not. Ask the insurance broker who provides coverage to your association. If you are covered they should be able to provide you with a certificate of insurance showing the City of Brampton as an additional insured. See What if I have the Required Insurance/Insurance Certificate. The majority of Brampton’s Affiliated Youth Groups are adequately covered through their Provincial or National organizations |
| Does this policy extend to other events or locations, besides the subject permit rental, outside of the City of Brampton? |
No, this policy is designed to protect you for permitted events on City of Brampton property only. If you have this outside exposure, then you should be purchasing separate coverage for activities taking place outside of City of Brampton property (e.g. hockey leagues that operate in City of Brampton rinks and non-City rinks; the insurance coverage would only apply to the City of Brampton rinks). |
| If I require further information or have questions with regards to coverage, who do I contact? |
Contact the insurance broker: B.F. Lorenzetti & Associates• 181 University Avenue, Suite 1605 • Toronto, Ontario• M5H 3M7•416-599-5530
|