What if the cost of my defence and the legal award found by the courts is greater than the liability limit I had through the Facility User Program?

Any amount over the liability limit purchased is the organization or event organizer’s responsibility. The coverage offered under the Facility User Insurance Program is for $2,000,000 or $5,000,000 depending on the type of activity or event. These limits are requirements by either the municipality and/or the owner or operator of the facility being rented, but in no way reflect a recommendation on the limit of coverage. It is up to the organization or individual whom has the intimate knowledge of the risks associated with their event or activity to decide the limit of insurance coverage necessary to protect them.