CQA/ACC offers two insurance programs to member guilds. Please see descriptions of the Insurance Programs below.
To enroll, please email our Treasurer (email@example.com) the following:
Name of Guild (Property Insurance):
Guild Email Address:
Address for Main Storage of Property (not a box number):
Name of Guild CQA/ACC Representative:
Email Address of Guild CQA/ACC Representative:
Phone Number of Guild CQA/ACC Representative:
The Treasurer will add your Guild to the list and you will receive an invoice from the CQA/ACC Treasurer (firstname.lastname@example.org). Please make out your cheque to CQA/ACC and mail to:
Brenda Horvath, CQA/ACC
71 Truman Rd
Toronto, ON M2L 2L7
Enrollment or Payment questions – contact the CQA/ACC Treasurer at email@example.com
Policy questions – contact Shannon Henderson, CapriCMW Insurance at 905-841-8200
Liability Insurance for Canadian Quilters’ Association/Association canadienne de la courtepointe
CQA/ACC has arranged for an ‘umbrella’ liability insurance policy (a policy in which individual guilds may enroll) that is available to your guild for an annual fee of $156 plus applicable tax. Briefly, this plan will cover your guild for meetings, shows, retreats, workshops, etc…even if these are held in different locations. Unfortunately, due to provincial laws, this plan cannot be used in Quebec.
For the purpose of handling insurance news as well as the monthly CQA/ACC e-newsletter and the biannual guild e-newsletter, it will be very helpful if your guild would appoint one member who is willing to act as your Guild CQA/ACC Representative. This member would receive all correspondence from CQA/ACC related to insurance as well as the monthly CQA/ACC member e-newsletter and other CQA/ACC correspondence for your guild.
Description of the Liability Insurance Program
The CQA/ACC has teamed up with Intercity Insurance Services Inc. (http://www.intercityinsurance.com/group-associations.php) who has found a managing general agent – Encon (http://www.encon.ca/English/pages/default.aspx ) for coverage.
The association has enrolled in this plan and CQA/ACC member groups may sign up with the association for coverage. A certificate of insurance will be sent upon enrollment. The annual premium for each guild will be $156 plus applicable tax.
NOTE: A guild may join at any time during the year, but will pay the premium of $156 plus tax. The renewal date subsequent to joining will be November 1st every year. Enrolled guilds will receive an invoice in August of each year to enroll for the following year.
The basic liability insurance has two main sections, with additional coverage available to guilds as well as individuals. These are listed below.
This Insurance Program offers:
A. $2 Million Commercial General Liability Insurance (covering workshops, meetings, sales,
fund raising events, participation in events/shows – these do not have to be in one location) Coverage Limits:
- Aggregate limit for all INSUREDS – $2,000,000
- Each occurrence limit per member – $2,000,000
- Bodily injury/Property Damage – $2,000,000
- Personal Injury/Advertising Injury- $2,000,000
- Medical Payments:
- Per person- $5,000
- Per accident – $25,000
- Tenant’s Legal Liability (any one premises – $500,000
- NOTE: Property Damage deductible – $1,000 per occurrence
B. $1 Million – Management Liability Insurance for Directors and Officers (a guild that has been involved in a lawsuit in the past 10 years would have to report this to Intercity Insurance Services when signing up) (deductible $0 for each occurrence).
- Protects Directors and their personal assets from lawsuits
- To cover legal liability that can be imposed related to ‘wrongful acts’ (management of funds, employment practices, defence costs).
- Limits of Liability:
- $1,000,000 per member per claim
- $5,000,000 per policy period for all insureds
Property Insurance for Canadian Quilters’ Association/Association canadienne de la courtepointe
The CQA/ACC has teamed up with Intercity Insurance Services Inc. (http://www.intercityinsurance.com/group-associations.php ) to offer ‘umbrella’ property insurance (separate from the liability insurance launched in the fall of 2014)
The association has enrolled in this plan and CQA/ACC member groups may sign up with the association for coverage. A certificate of insurance will be sent upon enrollment. The annual premium for each guild will be $85 plus applicable tax. Unfortunately, due to provincial laws, this plan cannot be used in Quebec.
This plan will cover your guild property… even if your belongings are held in different locations. The basic property insurance covers your property up to a value of $10 000 with a deductible of $500. This is an ALL RISK policy. In case of a loss, a local insurance adjustor will be assigned. Here are some other details:
- $10,000. Contents owned- providing coverage at your premises. Coverage includes property owned by others that at the time of loss were in the care, custody, control.
- $10,000. Exhibition form – provides coverage in transit to the exhibition site, while at the exhibition site and in transit back to the point of origin.
- Covered Operations: Premises; Trade Shows; Property of others is included (i.e. members personal quilts); Quilt Classes
- Perils Insured: All risks subject to the policy exclusions
- Deductible: $500.00 each and every loss except $2500.00 applies to Sewer Backup
- Valuation: Replacement Cost except Selling Price for quilts
Losses will paid on an Actual Cash Value (ACV) basis. (NOTE: A guild needing to insure more than $10,000 will enroll in the basic insurance and then email firstname.lastname@example.org who will send you the application form for additional coverage. There is a ration to calculate the amount of the extra premium, but the minimum premium will be $250.00 plus the applicable tax – payable directly to the insurance company.)
NOTE: A guild may join at any time through the year, but will pay the premium of $85.00 plus tax. The renewal date, subsequent to joining, will be November 1st every year. Enrolled guilds will receive an invoice in August of each year to enroll for the following year.