Additional Named Insured
Additional Named Insured (ANI) is “A person or organization, other than the first named insured, identified as an insured in the policy declarations or an addendum to the policy declarations.
(2) A person or organization added to a policy after the policy is written with the status of named insured. This entity would have the same rights and responsibilities as an entity named as an insured in the policy declarations (other than those rights and responsibilities reserved to the first named insured).”
Additional Insured
“Additional Insured” refers to an individual, entity, or organization that is added to an insurance policy, apart from the named insured. This additional party gains certain coverage rights under the policy and is protected against potential claims or lawsuits that may arise while performing agreed tasks or business for the named insured. By being designated as an additional insured, the party is entitled to receive certain benefits, such as defense and indemnification, in case they are involved in a covered incident. Ensure you carefully review the policy language and terms to fully understand the scope and limitations of coverage for additional insureds.
Yes, there is coverage for wrongful dismissal. This coverage is subject to a ‘Warranty Clause’ which states that:
Note that as wrongful dismissal claims often carry other issues and complaints. Your case will be carefully reviewed to determine what coverage is available. RMA Insurance does not provide coverage for severance considerations. This claim will be subject to a deductible which will be calculated and communicated to you once the claim is reviewed and coverage has been determined.
Reach out to your designated Member Service Representative with as much information about the event as soon as possible. Our team will work together to assess your event and advise on coverage.
The Occupiers Liability Act imposes a duty of care on a property owner to ensure the protection and safety of everyone who may enter the property (even trespassers). The duty of care is higher if minors, people of diminished physical or mental abilities, or the elderly are using the property.
As such, you have a duty of care to ensure that the space is reasonably free of obstacles, is clean, and any hazards are removed. It is recommended that the area be regularly inspected and records of any maintenance or mitigation be recorded (including pictures). These records should be kept on hand for at least two years, as in the event of a claim, this provides the insurer with grounds to defend you against negligence claims.
There are no exclusions within the policy for fire pits, so by virtue of non-exclusion, it is covered (subject to terms limits, deductibles and exclusions of the general liability policy). However, it is important to consider the danger and risk fire pits pose. If you are willing to permit the firepit activity, we recommend that the local Fire Chief is consulted to ensure that the pit complies with any requirements for fire safety. Please reach out to the RMA Risk Team if you have any questions.
A municipal park is considered a municipal facility and as such, the user should carry a ‘Special Event Liability’ insurance with a recommended limit of no less than $2,000,000. This user must add the County or Municipality as an ‘Additional Insured’ on the insurance policy. This will be confirmed once the user provides the certificate of insurance document.
Some policies may cover renting a facility. It is important that the renter verify this with their broker prior to the event and have them issue a certificate of insurance naming the organization and you as additional insureds.
It is highly recommended that a Special Events Insurance policy be purchased by the hall facility renter for every event hosted. This will provide coverage and protection to the main member in the event of a liability claim filed against the event host or hall owner for an incident that occurred at the event.
RMA offers a program in partnership with Instant Risk Coverage (IRC) where the renter can purchase Special Events Insurance for their event. Please contact your RMA Member Service Representative or click here for more information. Local Brokers can also assist in sourcing coverage. Other online options are available at DUUO and PAL.
It is strongly recommended that you enter into a contractual agreement with the user/renter. This spells out the obligations and responsibilities of each party, including providing you with a certificate of insurance for the special event and ensures that the appropriate contractual risk transfers are in place to protect you from claims. RMA Insurance has a Facility Rental Agreement which you may use for any person or organization who wishes to use your facilities or properties for private events. Contact the RMA Risk Team if you need a copy.
We strongly recommend waivers or Assumption of Risk Forms to be signed by all participants in any event where there is a chance of injury, regardless of how small that chance may be or how minor the potential injury. Waivers, which should include a ‘hold harmless’ clause, help prevent small claims from arising by educating participants on any risks prior to participation. RMA Insurance can supply sample waivers upon request.
The Genesis Liability Policy contains a “participant injury” exclusion. It does not cover injuries (including death) or property damage that happen to anyone while they are practicing for, taking part in, or officiating at any sporting events, competitions, or exhibitions that are known to be hazardous, whether these events are officially approved or not. Examples of such events may include:
However, it does cover:
Both aim to do the same thing but can be slightly different. Waivers can protect the Municipality from claims where you have no contributory negligence and those participating assumed the risk. When considering the use of waivers, it is important to note that they can be hard to enforce. Moreover, most waivers will not release the organization from gross negligence.
Assumption of Risk Forms are generally stronger in that the form spells out the specific risks and potential results of those for any given activity.
The language in the waiver or the Assumption of Risk Form needs to be correct and legal and should not have a lot of ‘fine print’. It must indicate whether it is a waiver or Assumption of Risk Form and clearly state that the individual is giving up certain rights. Most importantly, the participant must be given the opportunity to review it, and to opt out should they wish to. RMA Insurance has waivers and assumption of risks forms which have been vetted by our internal legal counsel and can be made available to you upon request.
It is recommended that your organization is added as an Additional Insured whenever engaging in the services of a contractor and when renting out your facilities. Both you and the Additional Named Insured (ANI) should be listed on the renter’s policy as additional insured. This protects your organization in the event of the contractor being sued and your organization is named in the lawsuit. Your RMA policy will be protected as the other party’s policy will respond.
Yes. There is coverage under the general liability. However, three things much be in place for the liquor liability to be covered.
A liquor licence is required any time liquor is being sold or supplied. Visit the AGLC website for more information.
Typically, the vehicle can be driven by employees and volunteers of the organization who are duly licensed and meet the provincial requirements. The ‘who’ can also be subject to your organization’s internal policies and procedures.
It is important to note there are many risks associated with lending your vehicle out. There may be no coverage in the event of an accident, and you are likely to pay out of pocket for the damage to your vehicle. The third-party liability coverage might apply to a limited degree. Also, if a claim occurs, this will impact your own insurance policy.
Underage volunteer drivers may operate a vehicle with prior member approval, provided they are properly licensed, receive appropriate training and supervision, and strictly adhere to all applicable laws, including the Alberta Traffic Safety Act and related regulations.
However, it is strongly recommended that the member organization implement internal policies to ensure volunteers receive proper training and operate vehicles safely and responsibly. All driving must be in compliance with the Standard Policy Form #1 (SPF No. 1), which governs Alberta automobile insurance coverage.
Please note that not all insurers permit underage or GDL-classed drivers under commercial policies. Before allowing any volunteer to drive, we encourage you to contact our Risk Team to review your specific situation and confirm insurer requirements.
RMA maintains a zero-tolerance policy for alcohol consumption in vehicles, but it may be permissible if done legally and the appropriate license is attained by the ALGC and that bus operators hold a ProServe Designation. Please contact AGLC and the RCMP for more information.
Please note that any impairment of the bus operator is strictly prohibited. As this is a matter that poses high risk, please contact the Risk team to discuss this further.
For heavy equipment, please abide by the manufacturer’s safety warnings, Alberta’s employment standards and occupational health and safety legislation. It is recommended that anyone operating any heavy equipment is properly licensed and trained to do so, to mitigate risk arising from workplace injury which could lead to liability for the employer. Here are some helpful links:
In the event of a dire emergency and upon direction of AHS, the automobile liability insurance carried on the firetruck would be valid and would respond to any claims, subject to the terms, limits, deductibles, and exclusions of the automobile policy. It is also important to note each claim will be duly assessed to determine if all protocols as stipulated by the AHS were adhered to.
Depending on the extent of the medical services that will be provided by the firefighters, it is likely that a Medical Malpractice Liability policy will not be required. The need for this will be assessed on a case-by-case basis.
While the Genesis Liability policy covers the subscribing members’ operations against liability, it is not designed to be a Primary Medical Malpractice policy. It is designed to be broad enough to cover the primary exposures for municipalities and Incidental Medical Malpractice type exposures are expected. There are also protections in the Municipal Government Act which assist in shielding firefighters from liability claims. Kindly review section 535.2(1): Municipal Government Act.
Furthermore, the AHS has addressed liability and insurance for Medical First Responders, citing the Municipal Government Act:
“Organizations should consult with their Municipality’s legal service for a full understanding of their legal protection. This is provided for information purposes only and is not to be considered legal advice.
The information points below were created upon consultation with Alberta’s Office of the Fire Commissioner (March 10, 2015):
Two layers of protection exist for municipal officers, agencies and responders: the Municipal Government Act Sec 535 (pt 1 and 2), as well as each Municipality’s Insurance Policy.
The Municipal Government Act specifies when fulfilling duties in the direction of the Municipality all employees are indemnified.
It must be emphasized that MFR Program enrollment does not provide specific legal protection, but strengthens provision of service by supporting standards, diligence and quality assurance” AHS | Medical First Response (albertamfr.ca)
Note: Ensure you seek more information and clarity regarding the AHS Medical First Response Program if considering participation.
If you are carrying out any services such as towing and transporting passengers for compensation, you will require an endorsement of your policy. Please get in touch with your RMA Member Service Representative to ensure that you have the appropriate coverage to carry out such activities.
When completing a towing service, ensure you are aware of the risk exposure involved. It is recommended that a towing release form be signed by the vehicle owner prior to towing any vehicle. This release will not protect your organization from claims involving damage to any other vehicles or injury to any person that may be affected. It will provide your organization with some protection if the vehicle being towed suffers some damage. If you need a release form, please contact the RMA Risk team.
You can use tractors, hay wagons and other similar farm equipment on public roads. However, you must follow the specific regulations and safety measures stipulated by the Government of Alberta. Such safety measures include but are not limited to:
If this equipment is used to transport passengers for events such as parades, ensure that all permits required for the event have been duly obtained from the relevant local and federal authorities.
You can find more information on transporting such equipment here.
Member owned or operated ski hills that were already on the program as of November 1, 2022, are still covered in the Genesis Liability policy. Please note that new ski hills beginning operations after November 1, 2022, are no longer eligible for the program.
The Genesis Liability policy specifically excludes coverage for this type of equipment. As such, RMA will not respond to claims resulting from the use of ski bikes/the SnoPro®. Kindly review the exclusions portion of your general liability policy – Section 3(l)(iv) injury or property damage is excluded … To any person in practicing, instruction, racing or participating by any mountain bikes or bicycles or snow surfing on any ski hill.
The RiskPro Conference is a two-day event organized by RMA Insurance annually to offer risk management and insurance education to members of the Genesis program. This is to help you better prepare to navigate the sometimes-complex insurance world by addressing emerging and pertinent risk trends and offer tools to navigate them.
While it is not mandatory, we strongly recommend that all Genesis members attend the conference. It is meant to help you and your organization run more efficiently and improve the insurance, risk management, and claims process that you already have in place. You will also be rewarded with RiskPro Credits. If you are not able to attend the event in person, please reach out to the Risk Team to see if you can still qualify for RiskPro Credits.
RiskPro credits are awarded to members who attend RiskPro events in person or watch the recording of the event on our portal and complete the associated assignments. These credits amount to 2% of the total premiums for the member. These credits can be used towards any expense that helps the member mitigate risk.
The members are responsible for developing their own internal policy on the use of their vehicle. However, it is recommended that you consider the risk exposure when allowing your vehicle fleet to be used for personal use by your employees. Also keep in mind the scope and exclusions of your auto policy. This also applies to employees using their personal vehicles for work purposes.
As per the Traffic Safety Act Part 3 Motor Vehicle Administration (54) Insurance required, all vehicles operating in Alberta must carry valid insurance. As such, the employee should carry an Owner’s Automobile Policy on the vehicle. Additionally, the employer should obtain a Non-Owned Automobile Liability insurance which is included in your RMA automobile policy. This coverage is designed to cover the employer in the event an incident occurs while the employee or volunteer is operating a personal vehicle for work purposes.
The Property Policy covers small projects valued up to a maximum of $250,000. This coverage does not extend to contractors. Before entering a contract with a contractor, please contact our office so coverage can be determined prior to commencement.
For all projects that will cost more than $250,000, it is recommended that you purchase an Owner Controlled Insurance program or rely on the contractor’s course of construction & wrap up liability policies.
Kindly note that all building or renovation projects valued over $250,000 must be reported to RMA within 60 days.
Section 2 Administrative Errors and Omissions of the general liability policy provides liability coverage for Errors and Omissions (E&O) which extends to Directors and Officers subject to exclusions and terms. Please note that you must be acting in good faith and within the scope of your duties with the organization.
Yes. It is important to notify us of changes and provide us with updated contact information. This is to ensure that we can successfully share important information with you regarding your policy.
If you cary a councillor accident policy, you may also wish to update the information on your policy.
For any questions or for more information, please contact our Claims Team.
As an ANI, your first point of insurance contact is the Municipality. Direct all your questions to them and if they are unable to provide a response, they will contact us.
Yes. It is required that you complete the forms when provided to you by the County. Ensure that any changes in operations are reported on the form. Once completed, send the forms back to your county representative.
Yes. The ANI shares the same limits as the main member and is also bound by the same parameters of the policies. It is important to note that the actions of the ANI directly impact the main member and as such, ANI claims will also have an impact on the policy and premiums.
Yes. However, for liquor liability to be extended the following MUST be met for the coverage to apply:
This coverage will not apply to the liquor that will be served by a third party. The third party should obtain their own liquor liability policy.
Section 2 Administrative Errors and Omissions of the general liability policy provides liability coverage for Errors and Omissions (E&O) and Directors and Officers (D&O) and has a $5,000,000 limit subject to exclusions and limits. When added as an ANI, this coverage held by the Municipality will extend to the ANI.
The general liability policy does not cover injuries (including death) or property damage that happen to anyone while they are practicing for, taking part in, or officiating at any sporting events, competitions, or exhibitions that are known to be hazardous, whether these events are officially approved or not. Examples of such events may include:
However, it does cover:
The general liability policy provides coverage for events hosted by the ANI that falls withing the scope of their operations. Please advise the Member Service Representative in advance of the events the ANI will be hosting to be certain of coverage.
Yes. If the ANI is renting out a facility listed in the main member policy to a third party, the renter must purchase their own liability policy and name the ANI and Municipality as additional insured.
RMA offers a program in partnership with Instant Risk Coverage (IRC) where the renter can purchase Special Events Insurance for their event. For more information about the IRC, contact your Member Service Representative or click here. Local Brokers can also assist in sourcing coverage. Other online options are available at DUUO and PAL.
This request must come from the Municipality. Please contact the RMA Risk Team for further discussions.
There will be coverage for physical damage to the wagon if owned by the County and scheduled under the policy. If the wagon is owned by a third party, the owner will need to obtain their own insurance to cover their property. Subject to policy terms there may be coverage for injury or damage caused by the horses pulling the wagons. If you are planning any such event, contact your Member Service Representative to discuss.
The general liability policy will cover injuries caused to spectators and volunteers. There is no coverage for the animals and participants while participating. Animal owners will need to obtain their own liability policy for the animals. If you are planning any such event, please contact your Member Service Representative to discuss.
There is liability coverage in place for bouncy castles. However, the following guidelines must be followed:
