FAS-008 - Facility Users Insurance Program_2012SAINT 101 IN
Subject: Facility Users Insurance Program
Category: Policy
Policy No.: FAS -008
M&C Report No.:
Effective Date: 2012-06-04
Next Review Date: (3 years)
Area(s) this policy applies to: Transportation and
Office Responsible for review of this Policy:
Environment, Finance and Administrative Services
Finance and Administrative Services
Policy Sponsor:
Related Instruments:
Document Pages: This document consists of 30
pages.
Revision History:
Common Clerk's Annotation for Official eRecord
Date of Passage of Policy: October 29, 2012
1 certify that this Policy was adopted by Common Council as indicated above.
_May 16, 2017
Common Clerk
Date
Date Created: Common Council Approval Date: Contact:
2012-05-30 2012-06-04
Insurance and Claims Officer
TABLE OF CONTENTS
1. COUNCIL RESOLUTION.................................................................................................................1
2. COUNCIL REPORT.........................................................................................................................3
3. POLICY/PROGRAM.......................................................................................................................5
POLICY — FACILITY USERS
INSURANCE PROGRAM
Common Council Meeting—lune 4, 2012
RESOLVED that as recommended by the Commissioner of Finance and Administrative Services, Common
Council direct the Insurance and Claims Officer and the applicable departments to set up the described
program.
C
REPORT TO COMMON COUNCIL
30 lay ,101-71
E& Worship hotel Ii Wt=
Md Member of Coon Cain
Yocr Wbx* p and Counefflam:
SUBJECT: F:r, dlity Uwrs Insunme Program
BACKGROUND:
The City las a variety of locations and facilities (community ccatras, ball Bettis,
hac;ey► rinks, meeting apses, large VOW Picnic arms etc) used by the public or
outside organizations and this rrpoit seeks to came the City is adequatelypr
in case of a loss or claim fi+om one of those activities.
The City aurently hen Liability bmance in place to protect the City ftm Iona or
acadents. but the scope of this program' eacks to set up a wpm -ate policy to in$=
outside arganizaticns. Currently, we ask that Organizations or individuals renting or
using our ihWities obtain adequate if Wmhty umaa m to pmftd themseives anal the
City fmm Ucpected losses. The cast of the insurance requirwncas can be
prohibitive and we haven't contwHW the coverage our the =istenee ofthe policy for
sat -going events. In some cases we do ask for proof of insurance byet the
requirements and application of the policy are not staadsrd or consistent
The purpose would be to ensure each organization or individual using our facitityhas
adequate inga=oe, the Cityis adequatelypvotected, make inswww avai'leble at on
afmdable rate and take the loss expedence away fmm oar own policy.
ANALYSIS:
The dgwtm" would be responsible far awniag rho presnium and recording the
event: This would be done at tha same time the location or fitdlity is hocked and the
rental cost paid. The premium cost would be included in the cost of the rental. The
inaura nce progrem and reaanciliati m would be provided through Iasu mm and Risk
Managemcat Division.
Cftl
Facility Users Insurance Program.
C=mtiy, without this program, if 8020091mg were to occur at a City &Cft wbile in
use by an outside orgea zation and there was no of w Wsutranoe in place, the City's
insurance policy would necessarily respond and dcfimd the City, That claim or
occurrence, would be reflected ir.the City's insuninceexpmience and could affectcw
rating and translate to an maea:se in premiums long twzL This program will take
That loss eacperience array from the City's policy and provlde coverage to both the
organization and the City though a separate policy; a policy which preaaiums are
paid by the facility usecj4 not the aveyers.
There are c=mfly organizations or individuals wbo rent acre facilit m that do not
Lave adequate protection in place for themselves. If something were to happen, an
organizer of an event could be fmncially burdened to ported themselves frmn a
claim brought apinst them, This progrnm will also ensure that to citizess or
organizations that rent the City's &GRities also have adequate protection.
There may be occasions when the City is providing a facility or location for use by
outside orgm zations at no cost to them. It i$ summed that in sine instances, it is in
the community's best interest to help that event occur and not create obstacles. In
those mantes, it will be up to the City to pay the premium an behalfof that goap or
organization to allow such an event to take place. The Queen square farmers market
could be an example where the City is orgauizing the event and pays the premium an
behalf of tine organizers for the betterment ofthe community.
FIRANCIAL 1€ OPUCATIO :
This program can be sex up at no cost to the City. The City would collect the
premium form those renting our fatality (the premium to part of the cost afrental,
included in the price) and track the usage of ow facilities. Once a year we would
submit the collected premium to the inn.
From our ur.% r, it appears the cost of obtaining liability insurance drbugh this
program would be leas to obtain, rather than each organization leaking their own
coverage through their own pmvidcr. To be clear though, this will be an increase in
cost to those organizations that did not have the proper eovcmgc arno covatsge at all
in plem
Attached to this report is the Facility User Insurance Program.
s t0 tt c f
That cormc it direct the Insurance and Claims Officer and the applieahle dieputments
to set up the described program.
478
Facility Users hmmance
fang
ico and
Ifiusffi, CGA MMA
of Mponee and Admi olmtnWvs Services
:fie.]
MUNICIPAL FACILITY USER
GENML LIABILITY PROGRAM
F �ANADA
'RFL CANADA D A R13 and Insurancogervifts Inc.
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ER CNODA Msk and iwumm SWC Inc.
CXIMME OF RMPAL USER GENEFA.. LIA.SiL" PRWiLW 2
WING STFtCMM FOR' E UBER PROGMU
LIOUOUR LU8lLrTY'APP'LICAMN
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SAMPLE CEMF r..ATE OF INSUR E ESR LrA= e
MUNICIPAL APPUCATION FM UWR PFMRAM
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