Municipal-owned facilities are commonly the host of many local community events. As such, municipalities face liability exposure each time their venues are used by third-party renters. Although most events will be held without incident, it only takes one unfortunate claim to generate a loss large enough to test coverage under the municipality’s master liability policy. The preferred way of addressing this type of risk is for the party organizing the event to be insured through an event policy covering the third-party renter as the named insured and the municipality as an additional insured. Municipalities choosing to transfer risk in this way minimize their direct risk of costly bodily injury or property damage claims.

As an industry expert in event liability risk transfer, Marsh Canada Limited (Marsh) administers the User Facility Liability (UFL) Insurance Program to help meet the unique risk coverage needs of municipal-owned facilities across Canada.

Benefits

• Offsets Liability – Transfers the risk to the party in control and protects the main municipal liability policy.
• Offsets Deductible – Lower deductible than all municipal policies and deductible can be transferred to renter through rental agreement.
• Simplified Premium Payment – Options available
  include bi-annual, annual, or no reporting.
• Administrative Costs – Little to no administrative costs to implement program.
• Claims Protection – Claims remain under the UFL Insurance Program and are not related to your municipal liability policy.
• Broad Coverage That Conforms – Ability to help ensure the insurance offered meets the requirements of the municipality and the needs of the renter.
• Affordable – Simple rating matrix provided.

Coverage Highlights

The UFL Insurance Program features a third party liability limit of up to $5,000,000 (with a $1,000 deductible) and provides an extensive range of broad coverages that can be tailored to meet each event’s specific risks and exposures including:

• Vendor Extension – Provides coverage to vendors for products sold in the regular course of business during an event.
• Liquor Liability – Protects you from liability that may arise at an event where alcohol is being served.
• Incidental Medical Malpractice – Includes coverage for Bodily injury out of the rendering or failure to render services medical, surgical, dental, x-ray or nursing services or treatment or the furnishing of food or beverages in connection therewith- who is not engaged in the business or occupation of providing any of the services described.
• Broad Definition of “Named Insured” – Includes the organization and any Director, Executive Officer, Employee, Committee Member, Office Holder, Manager, Coach, or Trainer.
• Professional Liability – Arising from the actions of coaches, instructors, or trainers (paid or unpaid).

Eligibility

Some examples of event categories eligible for insurance include, but are not limited to:

• Anniversaries
• Arts
• Art shows and exhibits
• Auctions
• Banquets
• Bazaars
•  Birthday parties
• Bridge
• Chess clubs
• Crafts
• Dance parties
• Dance recitals
• Concerts
• Dinners
• Engagement parties  (e.g. Jack and Jill events)
• Fashion shows
• Graduations
• Meetings
• Music recitals or other family celebrations (e.g. christenings, showers, graduations etc.)
• Photo shoots
• Picnics
• Religious services
• Retirement parties
• Reunions
• Seasonal markets
• Seminars
• Speakers
• Sporting events
• Talent shows
• Theatre performances
• Weddings or other ceremonies
• Workshops/classroom instruction

Exclusions may apply. Please contact us for details.

Join the many Canadian municipalities already benefiting from the advantages of event risk transfer under the Marsh UFL Insurance Program.

^{Your User Facility Liability insurance coverages will be placed with a program administered by Marsh Canada Limited. Marsh Canada has engaged in a competitive marketing process to offer a competitive product. We have negotiated this Program on a group basis with the insurer but we have not acted as a broker for any individual participant. This Program may be for a term of several years and may not be negotiated annually.}

^{Information on this website represents a synopsis of coverage and is provided as a reference only. The actual policy, including endorsements determines coverage. It contains exclusions, limitations and other provisions not referenced (or only briefly summarized) here and the policy should be consulted for full coverage terms, conditions and requirements. Deductibles may apply. For exact terms, definitions, limitations, and exclusions, please speak with your licensed Marsh Canada Limited insurance broker, or refer to the policy wording.}

^{This web page is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. The information contained herein is based on sources we believe reliable, but we make no representation or warranty as to its accuracy. Marsh shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any modelling, analytics, or projections are subject to inherent uncertainty, and the Marsh Analysis could be materially affected if any underlying assumptions, conditions, information, or factors are inaccurate or incomplete or should change. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage.}