Facility Rental User Insurance

The City of Brampton offers a number of sport and social facilities for rent, whether it is for an organized event or a pick up hockey game. Staff is available to assist you in finding the appropriate venue for your activity.

Over the past number of years, many municipalities throughout Canada have introduced a Facility Rental User Liability Insurance Program. Effective February 2010 the City of Brampton will be implementing a Facility Rental User Liability Insurance Program. This program will be offered to rental users of City of Brampton facilities (i.e. ice, fields, gyms, floors, rooms and picnic areas) who do not carry their own, or adequate insurance when renting a City facility.

As of February 22, 2010 it will be mandatory for rental users groups and individuals to carry liability insurance when renting a City facility.

What is a User Insurance Program?

The Facility Rental User Liability Insurance Program provides individuals and/or groups renting a City of Brampton facility or space with a straightforward and affordable avenue to obtain liability insurance protection to mitigate their financial exposure resulting from claims that may result from the rental agreement.

If the facility user does not already carry the required insurance, it can be purchased through this program at the time of booking.

Insurance limits range from $2 to $5 million per occurrence. (depending on the specific sport, event or activity) The insurance provides coverage for Bodily Injury or Property Damage to a Third Party as well as the following coverage:

• Tenant’s Legal Liability: provides coverage for damage to the rented or permitted premises or the area of the premises that is being rented.
• Participants to Participants Liability: provides for coverage for injury to one participant by another participant.
• Non- Owned Automobile Liability: provides insurance coverage for vehicles not owned, leased or rented by any of the named insureds and provides protection to the facility user’s participants and volunteers, who may use their private vehicles to conduct business on behalf of the facility users.
• Host Liquor Liability Coverage (for Alcohol events only): provides coverage for claims resulting from the serving of alcohol.

Insurance Rates

Insurance rates are based on the type of activity and perceived risk categories associated with the activity. To view the rates click here.

For rates specific to your activity, sport or event, please contact your local recreation centre or call 874-BOOK.

Insurance Requirements

As of February 22, 2010 groups and individuals responsible for a facility rental will be required to produce and maintain, throughout the duration of the rental agreement, a liability insurance certificate.

Depending on the type of activity, sport or event, clients will be required to have liability insurance coverage. The program encompasses the rental of facility space, sports fields, and rentable parkland.

The Facility Rental User Liability Insurance Program provides the opportunity for individuals or groups renting our facilities to either:

1. Purchase liability insurance during the booking process; or
2. Provide proof that they already have obtained liability insurance that meets the Facility Rental User Liability Insurance Program requirements.

Insurance limits range from $2 million to $5 million depending on the activity. High risk sports such as ice hockey will require coverage of $5 million. Lower risk events and activities such as baseball, badminton or social events will require coverage of $2 million.

How to Purchase Insurance

If the facility user does not possess adequate liability insurance coverage it can be purchased through the Facility User Group Insurance Program at the time of the booking. The cost will be added to your rental agreement along with the applicable taxes. For information or assistance in purchasing the required insurance based on your specific event or sporting activity, call 905-874-BOOK or contact your local recreation centre.

What if I have the Required Insurance/Insurance Certificate

If the facility user has the required liability insurance, his/her insurance broker must complete a City of Brampton Certificate of Insurance form which can be downloaded by clicking on the appropriate link below. The certificate of insurance is to be completed by your insurance broker and returned at least 14 days prior to the booking.

Insurance Certificates