Chapter Programs

Broker: Adriatic Insurance Brokers Ltd. Insurer: Sovereign General Insurance Company.

$1,000,000 at $500 per year (plus provincial tax if applicable)

The chapter and/or members of the chapter could be held legally liable for property damage or bodily injury occurring during meetings or normal activities of the chapter.

This is the same type of coverage that every contractor carries on his own business.

The policy includes the following extensions and sub-limits.

This policy does not cover exposures covered under your personal Home Insurance liability, Own firm's Business liability, Directors and Officers liability and/or Professional liability policies, all of which should be purchased in addition to this policy.

Liability Coverages: Aggregate limit as listed above if purchased Premises and Operations Contractor's Protective Occurrence Property Damage Broad Form Automobile Watercraft up to 8 meters Property Damage Broad Form Property Damage Employees as Additional Insureds Employee Benefit Liability Cross Liability Non-owned Automobile Products Newly Acquired Locations 90 days Intentional Acts Amendment Blanket Contractual Completed Operations Bodily Injury Contingent Employer's Liability Worldwide Coverage Host Liquor Liability Liability Coverages: Special limits as listed below Employer's Liability $1,000,000 Incidental Medical Malpractice $100,000 Personal Injury Libel & Slander $1,000,000 Medical Payments $2,500/person, $10,000/occurrence Tenants Legal Liability $500,000 Failure to Perform $10,000 Advertising Liability $100,000 Limited Pollution Liability $10,000

The insurance policy contains normal terms, limitations, conditions and exclusions which have not been included in this brief summary but are included in the policy wordings.