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FAQs
Facility Rental User Insurance
- Why do I need insurance?
- What is Liability Insurance?
- What is the insurance coverage that is provided under the Facility Rental User Insurance Program?
- Does my homeowner’s insurance policy protect me?
- I belong to an ‘Association’; do I already have liability insurance coverage?
- What Insurance Limits am I insured for under the Facility User Program?
- What is my deductible / self-insured retention under the Facility User Insurance Program?
- Does the insurance coverage provide coverage for Vendors?
- Does the coverage provided under the Facility User Program provide property coverage to our own or leased property?
- Can I purchase additional coverage under the program for our own or leased property used for our event?
- Does the coverage provided under this program provide payments for loss of wages or out-of-pocket medical expenses (Accident Protection) when someone is injured at my event?
- Can I purchase additional coverage under the program for Accident coverage for those injured during or at my event when we are not negligent?
- Can I purchase additional coverage from the insurance broker administering the facility user insurance program?
- Does the policy cover spectators should they suffer an injury, or their property becomes damaged during my event?
- Does the Facility User Insurance Program insure automobiles?
- Can other “Additional Insureds” be added to the policy and provided on the certificate of insurance under this program?
- Does this policy extend to other events or locations, besides the subject permit rental, outside of the municipality or main facility I am renting?
- Can I purchase higher liability insurance limits through the Facility User Insurance Program?
- If I require further information or have questions with regards to coverage, who do I contact?
- Who should I ask to give me a full explanation of the coverage under this Facility User Insurance Policy?
- What if the majority of the event is on Municipal permitted rental space and other parts of the event are in a different venue?
- How long can I modify / refund a Policy?
- Why is my quote so high?
Policy Categories
Claims
- What is my responsibility when I have a claim or incident that could lead to a claim?
- What is considered an incident that should be reported?
- What documentation must be filed when I have an incident that could lead to a claim?
- When am I responsible for the $1,500 self-insured retention / deductible on a claim?
- 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?
- What happens if a volunteer, participant, or a spectator does not threaten to sue, but presents bills for medical expenses or damaged property caused at our event or activity?
- What happens if a claim is not reported immediately or the 8 step process is not followed?
- What happens if we refuse to cooperate with the Insurance Company because we do not agree with the way they are handling the claim?