Overview of OSBIE School Council Program and Commercial General Liability Insurance

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The OSBIE School Council Program for January 2016 covers regular council meetings, fun fair, fundraisers, and more, while excluding sports team organization and high-risk activities. The Commercial General Liability insurance provides coverage for bodily injury, property damage, products liability, and more, with specific limits and exclusions outlined.

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OSBIE School Council Program January 2016 CONFIDENTIAL

What does it cover? 1. Regular Council Meetings 2. End of Year Fun Fair subject to appropriate risk management 3. Babysitting services only as a service provided during meetings; cannot be operating a babysitting business 4. Fundraisers 5. School Dances/Proms 6. Other activities deemed usual for a school council

What is not covered? 1. Organization or management of school sports teams 2. Ski trips the ski activity portion 3. Management of sport facilities 4. High-risk activities deemed unusual to school council operations

Commercial General Liability $ 2,000,000 Bodily Injury/Property Damage Liability per occurrence $ 2,000,000 Products and Completed Operations-annual aggregate $ 2,000,000 Tenants Legal Liability $ 2,000,000 Personal Injury and Advertising liability $ 2,000,000 Non-Owned Automobile $ 10,000 Medical Payments any one person $ 2,000,000 Errors and Omissions/Directors and Officers Wrongful Acts Limits of Liability: $ 500 Property Damage/Bodily Injury/Expense and $ 500 Tenants Legal Liability $ 1,000 Legal Liability for Non-Owned Automobile $ 500 Errors & Omissions/D&O Deductible: Products and Completed Operations Occurrence Basis Property Damage Blanket Contractual Liability Personal Injury Liability Employers Liability/Bodily Injury Extension Non-Owned Automobile including: OEF 94 - Legal Liability for Damage to Non-Owned Automobile Limit: $50,000, Deductible/$1,000 (maximum 30 days) Tenants Legal Liability - All Risks Incidental Medical Malpractice Cross Liability & Severability of Interest Advertising Liability Additional Insured Extension Special Provisions/Sub-Limits included but not limited to:

Commercial General Liability contd Punitive/Exemplary Damages War Terrorism Electronic Date Recognition Abuse Exclusions:

Insurance - FAQ Q. What is General Liability Insurance? A. General Liability insurance is designed to protect a person against any legal responsibility arising out of a negligent act or failure to act as a prudent person would have acted, which results in bodily injury or property damage to another party. Any individual involved in your activity can claim damages as a result of an injury. Even though you may not be negligent in your actions, defense costs alone can be financially devastating. This policy will provide protection for both legal defense costs and any compensatory damages that may be awarded, subject to the limits and conditions of the policy. Transferring your risk to an insurance policy provides you the opportunity to run your activity with peace of mind. Q. How do we apply for coverage? A. Please contact Ontario School Boards Insurance Exchange at info@osbie.on.ca or call Tammy Hicks, Client Services and Business Development Manager at 519-767-2182 to have a council added to the policy.

Insurance FAQ contd. Q. What activities are covered? A. Activities usual to a school council and parent/teacher organizations such as meetings, fundraisers, and non-competitive recreational skates. Coverage is excluded but not limited to all organized sport activities. There is no liquor exclusion however, it is assumed that councils will assume alcohol responsibility and limit these events as much as possible. It is also further assumed that only people of legal drinking age will be consuming alcohol.