Instructor Liability Insurance

As of April 2015, RCABC acquired a new insurance policy and provider.

Note: The information provided is only a summary of coverage. All limits and coverages are subject to the terms, conditions, exclusions contained in the master policy filed with RCABC. In the event of a conflict between this summary and the policy, the policy will govern. E. & O. E.

As a benefit of your membership, all current RCABC instructors automatically receive third party liablity insurance when they teach sanctioned RCABC courses or clinics.

Check the RCABC Members menu for a summary of the insurance coverage and other details, or check the following Frequently Asked Questions.

RCABC Instructor Member FAQs

How much does RCABC Instructor Liability Insurance cost?
What is third party liability coverage and how does it protect me?
What does RCABC Instructor Liability Insurance NOT cover?
Is there a limit to income you can earn as a canoe instructor before you are no longer eligible for liability insurance?
What are the RCABC course sanctioning guidelines?
If I am not sure if my course would be sanctioned, who should I contact?
Are courses for schools, colleges, youth programs, etc. covered by RCABC’s liability insurance?
Does RCABC Instructor Liability Insurance include coverage in Canada and the USA?
Is additional liability insurance available?
Can I get a “Certificate of Insurance” for a municipality or other location that requires one if I hold an instructional event that uses their facility (such as a swimming pool, community centre, etc)?
What should I do if there is any incident resulting in harm during a course I teach?
What should I do if there is a notification of legal action against me?

 

How much does RCABC Instructor Liability Insurance cost?

Third party liability insurance is included in your yearly instructor membership fee and requires no additional cost.

What is third party liability coverage and how does it protect me?

The policy for RCABC has been carefully prepared to provide the broadest coverage available for its members. Therefore, virtually everything you do is covered, provided it is “approved and sanctioned” by the RCABC. $2,000,000 of coverage per claim was determined to be adequate by its membership.

Commercial General liability is designed to protect RCABC and club members against legal responsibility arising out of a negligent act or failure to act as a prudent person would have acted to which results in bodily injury or property damage to another party. Any individual involved in a sanctioned activity can claim damages as a result of an injury.

The RCABC policy has Unlimited defence coverage in addition to the policy limit of $2,000,000! Multiple lawsuits can arise during the course of a year and the policy will always respond. Most policies often have a policy aggregate of $5,000,000. Aggregate describes the maximum amount available under the policy to multiple lawsuit occurrences during a one year policy period. For example, if a catastrophic claim occurs and the claimant is suing for $5,000,000 during your policy term and exhausts the limit, the provincial association, clubs and its comprised membership would have to pay out-of-pocket for any other remaining claims.

What does RCABC Instructor Liability Insurance NOT cover?

  • Canoe guiding or any other non-sanctioned RCBAC activity.
  • Accidents during travel to and from your RCABC courses or clinics.
  • Gear losses such as canoes, safety gear, etc.
  • Business Income (or accident income)
  • Rentals of canoe’s , kayak businesses
  • Crime

If you require coverage for any of these activities please contact Peter Fetherston from Holman Insurance Brokers at 289-221-1712 or email This email address is being protected from spambots. You need JavaScript enabled to view it.

Is there a limit to income you can earn as a canoe instructor before you are no longer eligible for liability insurance?

RCABC’s previous policy had an income limit but as of 2014 there is no longer an income limit. Canoe instructors are free to teach as many courses or earn as much income as they wish without income affecting their eligibility for liability insurance.

What are the RCABC course sanctioning guidelines?

In order for a course or clinic to be sanctioned by RCABC and qualify for liability insurance, it must meet  sanctioning guidelines. Check the most current RCABC Instructor Manual for up to date guidelines for the program you are teaching. The following are some examples, but not a complete list:

  • You must be a current RCABC instructor member
  • You are teaching what you are certified to teach
  • Waivers are fully completed by students
  • Transport Canada and RCABC safety requirements are met
  • PFDs are worn at all times
  • Instructor Student ratios are followed
  • Course Prerequisites are followed
  • Alcohol or drugs cannot be present or consumed, including during courses that involve overnight camping (such as Canoe Tripping & Ocean Canoeing)
  • Instructor Coordinator must be notified of instructor level courses prior to the start of the course

If I am not sure if my course would be sanctioned, who should I contact?

Any member of the RCABC executive. They will forward your inquiry to the appropriate person if they cannot answer it themselves.

Are courses for schools, colleges, youth programs, etc. covered by RCABC’s liability insurance?

Yes, as long as you are following the sanctioning guidelines. Note that the RCABC instructor Manual up to Edition 6 includes an insurance summary from our previous policy that states otherwise. This is no longer in the case.

Does RCABC Instructor Liability Insurance include coverage in Canada and the USA?

Yes, coverage includes all of Canada and the USA for temporary activities. This was another important variable when switching brokers. Most policies restrict or exclude USA activities. However, the current RCABC policy was negotiated to ensure that due to close proximity of bordering lakes and ocean, activities would not be restricted or an exclusion would restrict a claim from paying paid out.

Is additional liability insurance available?

Yes, our broker offers RCABC members affordable Adventure Tourism, canoe / kayak rentals, guiding insurance.

"We create custom solutions and provide comprehensive and affordable package policies that protect your business from the potential hazards of adventure and leisure sports, and tourism.

Key coverages include:

  • Commercial General Liability
  • Accidental Death and Dismemberment
  • Business Property (Building, stock and equipment)
  • Host Liquor Liability

Types of Risks We Can Insure (and many more)

ATVing, Backpacking, Bicycle Touring, Bike/Ski/Snowboard Shops, Canoeing, Caving/Spelunking, Day Hiking, Dog sledding, Jet Boating, Long boarding, Sea Kayaking/Whitewater, Martial Arts (including MMA), Mountain Biking (including downhill), Nature/Wildlife Viewing, Whitewater Rafting, Rock Climbing, Alpine Ski Tours, Skateboarding, Skateboard Parks, Snowmobiling, Stand up Paddle Boarding, Surfing, Windsurfing, Zip-lining & Sports Teams, Leagues & Tournaments."

Contact the RCABC executive who will put you in touch with our insurance broker to discuss a policy.

Can I get a “Certificate of Insurance” for a municipality or other location that requires one if I hold an instructional event that uses their facility (such as a swimming pool, community centre, etc).

Yes they are available. Please contact the RCABC executive who will put you in touch with our insurance agent. Note that a “Certificate of Insurance” is only needed if requested by the organization.

What should I do if there is any incident resulting in harm during a course I teach?

If you are teaching a course and there is an incident that causes harm to one of your students, please record the details in the RCABC Incident Report Form (online soon).

What should I do if there is a notification of legal action against me.

Contact the RCABC executive immediately with details. Do not contact the person or party taking legal action against you. Do not admit fault. RCABC is currently developing a form to record details of the incident which will be posted

 
 
 
 
 
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