Insurance
Through Markel Canada Limited and Macdonald Chisholm Trask Insurance (MCT Insurance), group members of RNS may purchase general liability insurance. This program is designed and is suitable for volunteer recreation groups.
Who is insured?
All members of your organization, including executives, manager, coaches, trainers, officials, employees and volunteers while acting within the scope of their duties on your behalf. These persons are protected should they be named in an action for bodily injury or property damage to a third party. They are not insured for injury to themselves or their property.
Who is not insured?
The policy is not designed to cover special events such as sports days, festivals or similar short-term activities where these activities are singular and not part of an ongoing program.
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.
Coverage includes your legal liability for injury to participants, including the following extensions:
- Premises, Property and Operations
- Products and Completed Operations
- Blanket Contractual
- Personal Injury (libel and slander)
- Employees and Additional Insured
- Cross Liability
- Non-Owned Automobile (in most cases)
- Tenants Legal Liability
What is not covered?
Negligence resulting in bodily injury or property damage involving watercraft, aircraft, automobiles, or vehicles in a race is not included in this policy. Property Damage to premises or equipment in the care, custody or control of the Member Group is not included in this policy except as covered under the “Tenants Legal Liability” section of the policy, up to a limit of $250,000 to $500,000. The policy will exclude all activities involving the serving and sale of alcoholic beverages. The policy does not provide coverage for situations involving any type of abuse or harassment.
How to apply
Complete the Recreation Nova Scotia: Application for Liability Insurance form to find out about about eligibility and your premium.
You will be taken directly to MacDonald Chisholm Trask Insurance (MCTI) and they will collect all information needed and payment once Member Group agrees on premium.
Please note: When you are applying for insurance through MCTI, you do not have to apply for RNS membership separately – all information and fees are collected through this new method
Organizations looking for “Special Events Insurance” are encouraged to contact their local insurance company as this coverage is no longer offered.
Limits of coverage
There is a limit of $2,000,000 for bodily injury or property damage arising out of one occurrence. Also, Broad Form Tenants Fire Legal Liability for $250,000, medical payments coverage – $1000 per person, and other extensions as per the master policy. 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. There is no reduction in price for applying mid term.