NS Trails is here to help you with the ins and outs of insuring your trail, your organization, and your volunteers! NS Trails members can take advantage of two different insurance policies that we offer – General Liability Insurance and Accident Insurance for volunteers.
GENERAL LIABILITY INSURANCE
General Liability Insurance protects your organization against claims of injury or property damage. There are two categories of GL Insurance, depending on what stage of the trail development process your organization is in.
1 – Organization Insurance
Your group has liability risks even before you start building trail. Groups without land agreements or trail can benefit from Organization Insurance. This covers your group for the other declared activities of your organization, like fundraising at the mall. The fee is $100 per year.
2 – Trail Insurance
If your group is ready to sign landowner agreements, you are required to apply for trail insurance. The annual base fee is $340 plus $10 per kilometre of trail you manage.
ACCIDENT INSURANCE
Our Group Accident Insurance Policy covers 20 unnamed volunteers if they were to become injured while performing duties as a volunteer of a trail organization. This policy is not mandatory. The fee for this coverage depends on the number of groups participating and is approximately $150 per year.
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Insurance Policy Details:
Provider – Northbridge Insurance
Broker – Marsh Canada Ltd
Term – April 30, 2021 – April 30, 2022
Disclaimer: The actual policies, including any endorsements, determine coverage. The policies contain terms, conditions, limitations, exclusions, and other provisions not referenced (or only briefly summarized here).