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OSBIE Facility User Group Insurance FAQ

 

The Ottawa-Carleton District School Board is committed to community use of schools. Obtaining individual coverage in the insurance marketplace can be cost prohibitive. In our efforts to minimize costs associated with this use, we have implemented an insurance program which allows facility users, who do not have access to an insurance program, to obtain coverage in an affordable, simple format.

GENERAL LIABILITY INSURANCE is designed to protect a person against any legal responsibility arising out of a negligent act or failure to act as a prudent person would have acted, which results in the bodily injury or property damage to another party. Any individual involved in your activity can claim damages as a result of an injury. Even though you may not be negligent in your actions, defence costs alone can be financially devastating. This policy will provide protection for both legal defence costs and any compensatory damages that may be awarded, subject to the limits and conditions of the policy. Transferring your risk to an insurance policy provides you the opportunity to run your activity with a peace of mind.

Who needs coverage?

Any group or organization who does not have access to an insurance program, such as a Provincial or National Sport Association or Service club, etc.

How do we apply for coverage?

Please contact the Ottawa-Carleton District School Board, Community Use of Schools at 613.596.8260 or communityuse@ocdsb.ca

What activities are covered?

Activities which are disclosed on your permit application are covered for the time and date referenced on your permit only. If there are changes in your activity you must advise the Ottawa-Carleton District School Board, Community Use of Schools office. Coverage is only in effect while using the facilities of the Ottawa-Carleton District School Board. 

SPECIAL PROVISIONS 

There are extensions of coverage over and above what is provided by the Bodily Injury and Property Damage as previously outlined. These extensions are provided due to nature of the activities associated with the community use of schools.

To help you better understand, we have provided definitions below.

Participant Liability

For sports related activities, injury to participants is usually excluded under a General Liability Policy. This program extends the liability to protect you in the event a participant in your activity is injured and claims negligence.

Personal Injury Liability

The extension is provided to protect you in the event of oral or written publication or material that slanders or libels a person or organization, excluding any advertising material.

Tenants Legal Liability

This extension provides coverage for property damage to premises rented to you or occupied by you. There is no coverage for property damage that is expected or intended by the insured.

Incidental Medical Malpractice

This extension provides coverage for the failing to render, or rendering of medical services, or the furnishing or dispensing of drugs or supplies. Any individual engaged in the business or occupation of providing these services is not covered under this extension.

Host Liquor Liability

This endorsement extends the liability coverage to protect you in the event of an injury where the serving of alcohol is involved.

If you have further questions on this program, please contact the Ottawa-Carleton District School Board, Community Use of Schools office at 613.596.8260 or communityuse@ocdsb.ca

LIMITS OF LIABILITY    
              
      $5,000,000           Bodily Injury & Property Damage per Occurrence (No Annual Aggregate)
      $5,000,000           Products and Completed Operations
      $5,000,000           Personal Injury
      $1,000,000           Tenants Legal Liability
      $5,000,000           Non-Owned Automobile
      $        1,000           Per Person/$10,000 per Accident Medical Expense

SPECIAL PROVISIONS      
              
      Liquor Liability

      Participant Liability

      Additional Insured: all insured’s affiliate leagues, clubs and or teams, their members, officers, directors, coaches, managers, officials, players, auxiliary workers, employees and volunteers.

EXCLUSIONS

      Fireworks Exclusion

      Cyber/Data Exclusion

      Fungi & Fungal Exclusion

      Total Asbestos Exclusion

      War & Terrorism Exclusion

      Molestation Exclusion

REIMBURSEMENT (DEDUCTIBLE): $1,000

EXCLUDED ACTIVITIES UNLESS REFERRED AND APPROVED BY THE UNDERWRITERS:

Full Contact Martial Arts, Kickboxing, Boxing, Skateboarding, BMX Biking, Ice Climbing, Rugby, Football (Contact), Downhill Skiing and Rugby.

CANCELLATION

If your event is cancelled prior to the start of your permit date a full refund will be granted, if cancelled after the start your permit NO REFUND WILL BE GRANTED. 

The information contained herein is for information purposes only and in no way constitutes a legal contract and does not bind any of the described coverage. It is intended only to provide basic details of coverage that are fully described in Master Policy No. LL07068
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