Community GuardYour non-profit organization

makes a difference and we can help you protect it

May , 2010

What is Community Guard…

► A package policy designed precisely for organizations such as the Canadian Association for Photographic Art

► Permits the streamlining of insurance needs for non-profits, limiting the number of policies in force

What’s covered?

Commercial General Liability (CGL):

Provides protection to your organization for claims that arise as a result of your

negligence. Claims can be brought by volunteers, clients or the general public. The claims may be made as a result of Bodily Injury (BI) or Property Damage

(PD)

Coverages (cont’d.)

► Commercial Property – to insure the property that your organization owns, leases or rents against damage. Depending on the type of policy, damage can either be caused by a specific list of perils (Named Perils form) or against All Risk (All Risk Form).

Coverages (cont’d.)

► Insurance Against Crime – can provide coverage for loss of money due to robbery on and off premises and break and enter, and/or coverage against fraudulent or dishonest acts of employees or signing officers

► Blanket Accident – limited coverage for accidental injury by a client or a volunteer where there is no negligence. A goodwill coverage

Coverages (cont’d.)

► Liability for Non-Owned Automobiles – coverage for policyholders to ensure that they are covered when they use their own vehicles to carry out duties for the organization, as a volunteer.

Coverages (cont’d.)

► Directors & Officers Liability – protects the directors and officers of the organization against claims made by others for a wrongful financial loss. This can be an employee claiming for financial loss due to wrongful dismissal, or a financial loss of another brought on by the advice or actions of the directors and officers.

Protecting you Organization

Directors & Officers

► Insures intentional acts ► “Wrongful acts” causing

financial loss► Excludes Bodily Injury

& Property Damage

Commercial General Liability

► Insures unintended, unexpected events

► Includes Bodily Injury & Property Damage

► Excludes intentional acts