Personal Insurance
Recreation Nova Scotia has partnered with BrokerLink Insurance to provide members with preferred insurance rates on home and auto insurance through their group insurance program.
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View the flyer here for more info.(377 KB)
Commercial Insurance for Non-Profit Groups
Who is insured?
- Member clubs, including their employees and volunteer workers, but only while preparing for, participating in, or conducting a sanctioned event; or
- Member participants, but only while participating in a sanctioned event; or
- Volunteer workers, including coaches, instructors or referees, only while performing duties related to the conduct of your business, or their duties assigned by you; or
- Your employees, other than either your executive officers (if you are a business entity other than a partnership, limited liability partnership, limited liability company or joint venture) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business.
*They are not insured for injury to themselves or their property.
What is covered?
The policy will pay those sums that the insured becomes legally obligated to pay as compensatory damages because of bodily injury to or damage to property of others, such as spectators, passersby, property owners and others, resulting from your operations or actions.
Optional Directors & Officers and Host Liquor Liability as noted below.
Summary of Coverage
| Coverage | Limits of Insurance | |
| Bodily Injury and Property Damage | $2,000,000 | Each Occurrence |
| Products and Completed Operations | $2,000,000 | Aggregate Limit |
| Personal and Advertising Injury | $2,000,000 | Any One Person or Business Entity |
| $2,000,000 | Aggregate Limit | |
| Medical Payments | $1,000 | Any One Person |
| Tenants' Legal Liability | $500,000 | Any One Premises |
| OPTIONAL Errors and Omissions Liability With Coverage for Directors and Officers | $1,000,000 | Each Claim |
| $1,000,000 | Aggregate Limit | |
| S.P.F. No. 6 - Standard Non-Owned Automobile | $2,000,000 | Any One Accident |
| OPTIONAL Host Liquor Liability Coverage* | $2,000,000 | Each Occurrence |
*All servers must have Serving it Right or equivalent certification
| Coverage | Deductibles / Retention |
| Bodily Injury and Property Damage | $1,000 Each Occurrence |
| Personal and Advertising Injury | $1,000 Any One Person or Business Entity |
| Tenants' Legal Liability | $1,000 Any One Premises |
| Errors and Omissions Liability With Coverage for Directors and Officers | $1,000 Each Claim |
| Host Liquor Liability Coverage | $1,000 Each Occurrence |
What is NOT covered/excluded?
- Aircraft & Watercraft Exclusion:
As per the Amendment, this exclusion does not apply to:
iii. A watercraft while ashore on premises you own or rent;
iv. A watercraft you do not own that is less than 8 metres long, which is used in connection with a sanctioned event and is not being used to carry persons or property for a charge;
v. Liability assumed under any insured contract for the ownership, maintenance or use of aircraft or watercraft; or
vi. An aircraft or watercraft that is chartered by, loaned to, or hired by you with a paid crew and not owned by any insured.
- Automobile
- Contractual Liability
- Damage to impaired property or property not physically damaged (defect/deficiency)
- Damage to Property (owned/rented/occupied) – See coverage D – Tenants Legal Liability, up to a limit of $500,000)
- Damage to your Product
- Damage to your Work
- Employers' Liability, except liability assumed under an Insured contract
- Expected or Intended Injury
- Liquor and Marijuana Liability
- Personal and Advertising Injury – see coverage B
- Professional Services
- Recall of Products, Work or Impaired Property
- All activities involving the serving and sale of alcoholic beverages, unless the Optional Host Liquor Liability coverage is added
- Situations involving any type of abuse or harassment
- Participant Accident (medical expenses)
- Special events such as sports days, festivals or similar short-term activities where these activities are singular and not part of an ongoing program. However, these can be considered in your coverage with advance approval
Disclaimer: The official policy documents and wordings supersede this summary. Copy available upon request.
How to apply
Complete the Recreation Nova Scotia: Application for Liability Insurance form to find out about eligibility and your premium. You will be taken directly to BrokerLink Insurance, where they will collect all necessary information and payment once the member group agrees on the premium.
RNS carries the master policy from April 1st to March 31st. However, should you join between these dates, your coverage will still expire on March 31st.
Please note: When you are applying for insurance through BrokerLink, you do not have to apply for RNS membership separately – all information and fees are collected through this new method.
For any special events that are not able to be covered under the group program’s coverage, BrokerLink can approach other insurers on your behalf.