Facility Rental User Liability Insurance

Facility Rental User Liability Insurance

The Powerade Centre offers a unique facility which can be rented for sport, entertainment, and social events. Our facility can be rented by individuals, groups, non-profit organizations, and for-profit corporations. 

 It is mandatory for rental users groups and individuals to carry liability insurance when renting our facility.

We often find that the process in securing the correct and affordable insurance for the rental users can be difficult and time consuming. Therefore, the Powerade Centre has introduced a Facility Rental User Liability Insurance Program. This Liability Insurance Program is offered to rental users of the Powerade Centre (i.e. ice, fields, rooms, parking lots, and picnic areas) who do not carry their own, or adequate insurance when renting our facility. 

What is the Liability Insurance Program?

The Liability Insurance Program provides individuals and/or groups renting the Powerade Centre facility with a straightforward and affordable avenue to obtain liability insurance protection to mitigate their financial exposure resulting from claims that may result from the rental agreement.

If the facility user does not already carry the required insurance, it can be purchased through this program at the time of booking.Insurance limits range from $2 to $5 million per occurrence (depending on the specific sport, event or activity).

The insurance provides coverage to the facility user to defend and/or settle a legal action claiming negligence that resulted in a Bodily Injury or Property Damage to a Third Party. The liability protection also extends to protect negligent acts falling within the wordings for the following coverage:

  • Tenant’s Legal Liability:

    provides coverage for damage to the rented or permitted premises or the area of the premises that is being rented as a result of a negligent act.

  • Participants to Participants Liability: provides for legal defence and settlements or awards for damages caused by a participant to another participant during the event or activity.  Defence for the participant accused of the negligent act is excluded if  they have been found guilty of a criminal act, however it will not affect coverage for the organization or others under the policy if they were not party to the bodily injury.
  • Non- Owned Automobile Liability:

    provides insurance coverage for non-owned vehicles that are rented for less than 30 day s in the named insured, and also provides protection to the facility user’s participants and volunteers, who may use their private vehicles to conduct business on behalf of the facility users.
  • Liquor Liability Coverage (for Alcohol events only): provides coverage for claims resulting from the serving of alcohol.

Insurance Rates

Insurance rates are based on the type of activity and perceived risk categories associated with the activity. Click the following link to view the Powerade Centre Insurance Rates.

For rates specific to your activity, sport or event, please contact Jessica Pearcey

 

Insurance Requirements

Groups and individuals responsible for a facility rental are required to produce and maintain, throughout the duration of the Rental Agreement, proof of sufficient liability insurance coverage.

 Depending on the type of activity, sport or event, clients will be required to have liability insurance coverage. The program encompasses the rental of facility space, sports fields, and rentable outdoor space and parkland.

The Liability Insurance Program provides the opportunity for individuals or groups renting our facilities to either:

  1. Purchase liability insurance during the booking process; or
  2. Provide proof that they already have obtained liability insurance that meets the Liability Insurance Program requirements.

Insurance limits range from $2 million to $5 million depending on the activity. High risk sports such as ice hockey will require coverage of $5 million. Lower risk events and activities such as baseball, will require coverage of $2 million.

 

What if I have questions on the Coverage?

Commonly asked questions as well as the Powerade Centres insurance broker contact information is available by clicking on the link below.
Facility Rental User Insurance FAQs May 2016

  

How to Purchase Insurance? 

If the facility user does not possess adequate liability insurance coverage it can be purchased through the Liability Insurance Program at the time of the booking. The cost will be added to your Rental Agreement. For information or assistance in purchasing the required insurance based on your specific event or sporting activity, please contact Jessica Pearcey

What if I have the Required Insurance/Insurance Certificate? Insurance Certificates

If the facility user has the required liability insurance, his/her insurance broker must complete a Certificate of Coverage form which can be downloaded by clicking on the appropriate link below. The certificate of insurance is to be completed by your insurance broker and returned at least fourteen (14) days prior to the booking.

Insurance Certificates

Proof of Insurance Form (this form must be completed if not buying insurance through the Powerade Centre program)

Powerade Centre Insurance Certificate