Insurance Company of
Insurance Company of
a maximum of 8 Chapters OR a maximum of 250
total cost of the policy will be divided equally. Every effort will be
made to keep each persons rate for insurance to approx. $5-6 but if we do
not have enough to fill a cluster it may go as high as $10. It is in your
best benefit to get your application in as quickly as possible.
If a cluster formed has 250 ladies but only 3
chapters, each person would pay $4.80 ($1188 divided by 250).
If the cluster is 175 people, the cost would be $6.80 per person. ($1188
divided by 175).
Premiums per chapter will vary,
depending on how many chapters are in a cluster or how many individuals
are in a cluster. Every effort will be made to offer the best prices subject to the number
of enrollments and the clusters they are able to form. The earlier your
application is received the better chance to be in a “full” cluster.
THE BOTTOM LINE IS THAT IN THE MAJORITY OF CASES THE
ONCE PAYMENT IS
RECEIVED, IT IS NON REFUNDABLE.
We are working with:
Crissy Cuddihy, Capri Insurance Services Ltd.,
The carrier for the insurance is AVIVA INSURANCE
Please note that if you are having an
event where alcohol is being consumed/sold, additional coverage may be
required. Capri Insurance can
supply you with information on this. Please
check with Ms Cuddihy directly for costs.
Each chapter within each cluster will be
notified of their share of their premium. You will be notified in
mid-March of the exact amount your chapter owes. Payment will be due no
later than two weeks after notification of payment amount.
Your chapter will receive a copy of
Aviva’s insurance policy once payments are received and processed.
Your application must be accompanied by
a non-refundable fee of $10 (per chapter) and the list of your members to
be included in the policy.
It is highly recommended that you add
the insurance fee to your annual membership fee and make if compulsory for
all of your members.
Insurance is not mandatory for
participation in the Queen’s Council.
The $10 administration fee will entitle
each chapter to receive copies of the 2007 Waivers.
Commercial General Liability (CGL)
This is the main crux of any liability policy which covers bodily injury
and/or property damage caused by an insured person under the policy to the
limit of the policy. It also
picks up defense costs of a lawyer assigned to defend you by the company (AVIVA).
Each Occurrence Limit
Each Occurrence LimitThis is the limit of liability insurance the policy offers on a per claim basis. E.g. If there was a claim on March 1, 2007, $2,000,000.00 would be available. Should there be a second claim, not related to March 1, 2007, on April 1, 2007 then another $2,000,000.00 will be available.
Personal and Advertising Injury It’s the same concept as slander and libel. Basically
anything derogatory aimed at a third party (either by saying it or writing
it) which would cause the third party to lose their good name or lose
financially in some way.
General Liability Aggregate Limit
This would be the total amount of liability coverage offered from the CGL,
Personal/Advertising Limit, Tenants Legal Liability, and Non-Owned
Tenant's Legal Liability (TLL)
If you rent a room or hall for a function and enter into a contract with
the owner you are responsible if damage is caused by you or your guests to
the room or building. The
issue of care, custody, and control comes into play here.
Non Owned Auto (NOA)
If you ask one of your members to run an errand for you, and they
have an accident while doing so, it is possible that the third party could
name you in their lawsuit because the member was asked to run this errand
on your behalf or on behalf of the RHS.
This is how lawyers sue nowadays.
Although you are innocent, you would still have to hire a lawyer
and defend your actions in court.
Deductible This would be your (Insured)
portion of the loss. E.g. If the damages from a claim was valued at
$10,000 the Insured would be responsible for the first $1,000 (depends on
the amount stated in the policy) the Insurance Company would cover the
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