Midwives Association of British Columbia

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1 Midwifery Practice Insurance Program Midwives Association of British Columbia Prepared by: Lee Fulsher, BA, CAIB Account Manager Direct Line: November 13, 2015

2 HOW DOES THE PROGRAM WORK? The program is intended to cover the Physical Property and Commercial General Liability of MABC members operating, or working out of, a Midwifery Practice. To apply for coverage on the program MABC members will be required to complete a 1-page insurance application and submit it to Shaw Sabey & Associates Ltd. for approval and binding. A Midwifery Practice Insurance Policy will be issued to the MABC member(s) as evidence of coverage for participating within the program. Premiums are paid directly to Shaw Sabey & Associates Ltd. by participating members. The Program will be based on a Master Policy with specific coverages and rates. Members will be able to choose to tailor their Practices coverage based on their own circumstances and coverage requirements over and above the base coverages set. 2

3 WHO IS INSURED ON THE MIDWIFERY PRACTICE PROGRAM If the Midwife or Midwives are designated on the Policy Declarations as: 1) Individual(s), the midwife (hereafter referred to as you ) and their spouse are Insureds, but only with respect to the conduct of business as a midwifery practice. 2) A partnership, limited liability partnership or joint venture, you are an Insured. Your members, your partners, and their spouses are also Insureds, but only with respect to the conduct of business as a midwifery practice. 3) A limited liability company, you are an Insured. Your members are also Insureds, but only with respect to the conduct of business as a midwifery practice. Your managers are Insureds, but only with respect to their duties as your managers. 4) An organization other than a partnership, limited liability partnership, joint venture or limited liability company, you are an Insured. Your "executive officers" and directors are Insureds, but only with respect to their duties as your officers or directors. Your shareholders are also Insureds, but only with respect to their liability as shareholders. 5) A trust, you are an Insured. Your trustees are also Insureds, but only with respect to their duties as trustees. Each of the following is also an Insured: 6) Your "volunteer workers" only while performing duties related to the conduct of the midwifery practice, or your "employees" but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. 3

4 WHAT IS THE COVERAGE PROVIDED BY THE MIDWIFERY PRACTICE PROGRAM? COMMERCIAL GENERAL LIABILITY COVERAGE(S): Commercial General Liability (Occurrence Form) including: Premises, Property and Operations Owners & Contractors Protective Liability Products & Completed Operations Blanket Contractual Liability Employees as Additional Insured s Broad Form Property Damage Broad Form Completed Operations Personal Injury Advertising Injury Liability Medical Payments Contingent Employers Liability Cross Liability/Severability of Interests Intentional Injury to Protect Persons or Property Non Owned Automobile Blanket Contractual Liability - SEF 96 Cyber Risk Management Services LIMIT(S): $ 2,000,000. Inclusive Bodily Injury/Property Damage $ 2,000,000. Products & Completed Operations Aggregate $ 2,000,000. Personal Injury& Advertising Injury Liability $ 2,000,000. Non Owned Automobile Liability $ 50,000. SEF 94 Legal Liability for Damage to Hired Autos $ 500,000. Tenants Legal Liability $ 10,000. Medical Payments per Person DEDUCTIBLE(S): $ 1,000. SUBJECT TO: INSURERS: POLICY FORMS AND/OR WORDINGS: COVERAGE TERRITORY: Terrorism Exclusion Fungi or Fungal Derivatives Exclusion Data Exclusion Asbestos Exclusion War Exclusion Nuclear Energy Exclusion Gore Mutual Insurance Insurer s standard forms and wordings Canada HIGHER LIABITY LIMITS AVAILABLE AS PER APPLICATION 4

5 PROPERTY AND BUSINESS INTERRUPTION INSURANCE PERIL(S) INSURED: All Risk of Direct Physical Loss or Damage including Flood, Earthquake and Sewer Back Up; Subject to Standard Policy Exclusions LOCATION(S): Per Midwifery Practice to be Insured BASE LIMIT(S): $50,000 on Business Contents $ 7,500 on Midwifery Equipment Floater Actual Loss Sustained on Business Interruption Profits Form Property Extensions SUB-LIMIT(S): As per Policy Extensions on the following page DEDUCTIBLE(S): $ 1,000. All Losses EXCEPT $ 2,500. Sewer Back Up $ 10,000. Flood 10% in respect of Earthquake SUBJECT TO: BASIS OF LOSS SETTLEMENT: Terrorism Exclusion Fungi or Fungal Derivatives Exclusion Data Exclusion Asbestos Exclusion Replacement Cost Value except Actual Cash Value with respect to Stock CO-INSURANCE: 90% INSURERS: Gore Mutual Insurance POLICY FORMS AND/OR WORDINGS: Insurance Company s standard forms and wordings HIGHER PROPERTY LIMITS AVAILABLE AS PER APPLICATION 5

6 POLICY COVERAGE EXTENSION 1. Consequential Loss Assumption Clause Included. 2. Building By-laws Included (same site or adjacent site, same site needs to be removed if required). 3. Inflation Protection Already included in our Commercial Building, Equipment and Stock Broad Form wording 4. Signs Floater $10,000 for any one loss. 5. Peak Season Increase 25% up to the maximum limit of $150, Fire Department Charges $25,000 for any one loss. 7. Automatic Fire Suppression System Recharge Expense $25,000 for any one loss. Included 8. Blanket Glass $500 deductible applies to each and every loss. 9. Valuable Papers and Records $50,000 for any one loss. 10. Accounts Receivable $25,000 for any one loss. 11. Fine Arts $25,000 for any one loss. 12. Extra Expense $25,000 for any one loss. 13. Professional Fees $10,000 for any one loss. 14. Removal $50,000 for debris removal. 15. Money and Securities Use form G10008 Money & Securities to add Crime coverage with $2,000 limit included 16. Brands and Labels Included. 17. Arson Award $10, Land and Water Pollution Clean Up Maximum aggregate $10,000 (Reported within 180 days of the spill, excess over any other valid and collectible insurance). 19. Master Key Limit of insurance of $5, Exhibition Floater $25,000 at any one exhibition. 21. Personal Property of Officers and Employees $1,000 in respect of any one officer or employee subject to an aggregate limit of $25,000 in any one occurrence. 22. Property Temporarily Away from Premises $25,000 for any one loss. 23. Newly Acquired Locations: Building, Equipment and Stock 24. Courier & Parcel Post $5,000 for any one loss. 25. In Transit $10,000 for any one loss. 26. Sales Representative $5,000 for any one loss. $1,000,000 for Building and $250,000 for Equipment and Stock (30 days or to the date of endorsement of this Policy adding such location whichever first occurs). 6

7 FREQUENTLY ASKED QUESTIONS WHAT ABOUT COVERAGE FOR MIDWIVES WHO DO NOT OPERATE OR WORK OUT OF A SINGLE PRACTICE? Midwives that work out of their own homes or do not have a fixed location will be eligible to purchase coverage on the Midwifery Practice Program subject to review of a completed application and underwriting. WHAT ABOUT COVERAGE FOR OUT-OF PROVINCE OR OTHER LOCUM MIDWIVES WHOM DO NOT HAVE THEIR OWN INSURANCE WHILE OPERATING IN BC? Locums can be added to a Practice Policy as an Insured for the duration of their locum placement. Practice owners should ensure that all locums are reported to Shaw Sabey. Additional premium may apply depending on duration of locum placement. ARE STUDENTS COVERED? Yes, students are automatically covered while training at an insured practice. WHERE AM I COVERED? Anywhere you are operating in Canada, including hospitals, ambulances, client s homes, short term locum placements at other practices etc. IS MY EQUIPMENT COVERED WHILE IN MY CAR? Yes, up to a limit of $7,500 and only if the car is locked while unattended. 7

8 OPTIONAL COVERAGE - Legal Expense Coverage Option 1 $50,000 on Legal Expense - $35 Additional Premium Legal expense insurance which gives you up $50,000 worth of a lawyer s time and services per claim with an annual aggregate of $250,000. You also get unlimited access to a legal advice helpline. Covered legal expense claims include: Defense of Fines, Criminal Charges, WorkSafe BC Investigations Defense of a claim alleging failure to comply with privacy legislation Tax Protection Defence in responding to a tax audit or while appealing a CRA decision with respect to their business tax returns Unlimited Legal Advice and Tax Advice Option 2 $200,000 on Legal Expense - $140 Additional Premium Broadened Coverage highlighted Legal expense insurance which gives you up $200,000 worth of a lawyer s time and services per claim with an annual aggregate of $1,000,000. You also get unlimited access to a legal advice helpline. Covered legal expense claims include: Employment Disputes Defense of Fines, Criminal Charges, WorkSafe BC Investigations Statutory License Protection Defense of a claim alleging failure to comply with privacy legislation Contract Disputes & Debt Recovery Property Protection Bodily Injury Tax Protection Defence in responding to a tax audit or while appealing a CRA decision with respect to their business tax returns Unlimited Legal Advice and Tax Advice *Please note there is a 90 day waiting period on Legal Expense claims from the time we initiate coverage. (ie. They will not accept a claim within the first 90 days. Once the waiting period is done, claims will be reviewed for as long as you maintain coverage). The waiting period does not apply to the legal/tax advice helpline which you can use immediately on binding. DAS Legal Website: 8

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