Insurance

The CFMA liability Insurance is designed specifically for non-profit clubs.
Please see the Members section of website for current club requirements.
This insurance covers all CFMA member club events: clinics, workshops, competitions, exhibitions, club fundraisers, barbecues, etc. It protects club members, volunteers, coaches, property owners, etc, involved in club activities.

Fees:

Liability insurance fees are $350 yearly for clubs, along with the club membership fees listed on the membership page.
It is recommended that all clubs carry liability insurance.
The coverage provides:

• $ 10,000 on owned Property other than buildings (higher limits available)
• $ 50,000 per animal, $250,000. per occurrence/aggregate if liable for animals of
others in your custody
• $ 1,000,000 on Tenant Legal Liability on responsibility for rented premises
• $ 5,000,000 on Club Commercial General Liability including Injury to
Participants
Crime coverage as follows:
• $ 10,000 Employee Dishonesty
• $ 2,500 Broad Form Money & Securities
• $ 2,500 Money Orders and Counterfeit Paper Currency
• $ 2,500 Depositors Forgery

Accident insurance:

Please Note: all active riding members must also be members of their provincial equine association. All CFMA members are expected to provide their own equine related accident insurance through their provincial equine association (eg. Horse Council of BC, OE of Ontario etc…).

Additional insurance available:

Directors and Officers insurance:

The club’s Commercial General Liability policy responds to law suits which result from a bodily injury or property damage in which it is felt the club bears some responsibility. Your policy covers this and also covers directors and others associated with hosting club activities for these types of claims. However there are other things for which a director or officer may be sued which have nothing to do with a bodily injury or property damage. Typically these law suits are the result of a wrongful act by a director and are filed by another director, club member or a financial institution. Director’s and Officer’s policies are separate policies with specialized wordings to deal with these situations.

The CFMA board of directors is covered by the umbrella insurance, but because the branch clubs have different directors than the parent organization, the branch club directors aren’t covered. This is what “Directors & Officers” insurance is for – and it is separate from the general liability insurance because many clubs feel they don’t need the extra coverage, its just an add-on if they want it. Costs are usually in the range of $100 – $150.

For more information email: degoodwin@mac.com