Frequently Asked Questions & Answers

• Why am I receiving this Insurance?
• Am I going to be charged anything for this Insurance coverage?
• What is covered under the Commercial General Liability Policy?
• Does this policy cover damage done by my Foster Child or Client?
• Will this policy pay for injuries I receive during my course of employment with the Ministry?
• Who is covered by this policy?
• Does this policy cover damage to buildings or contents owned, rented, used or occupied by the Service Provider?
• How do I report a claim or potential claim?
• In the event of a claim shall I hire my own legal defence?
• Can my $2,000,000.00 limit of liability be increased?
• Is coverage provided for activities not related to my contract with the ministry?
• If an agreed operation is partially funded from an outside source ie: United Way, own fundraising activities etc. will this insurance still apply?

The Province of British Columbia on behalf of the selected Ministries of the Provincial Crown has agreed to arrange Liability coverage for your operations related to the delivery of the agreed upon services.

All costs pertaining to this coverage have been paid by the Ministries.

This policy provides the contractor with Third Party liability coverage only for claims that may arise during the contractor's operation (eg. A client or third party is injured or sustains property damage caused by the negligent act of the contractor subject to exclusions).

No, it does not insure the actions of a foster child unless those actions relate to your legal liability as a foster parent and it does not insure any damage to buildings or contents that you own, rent or occupy.

The Foster Parent would normally have their own homeowners or tenants insurance covering personal property. Should the homeowner's or tenant's policy not respond, there is the Foster Parent Insurance Program that provides coverage against loss or damage to your personal belonging that may occur due to the malicious or wilful acts of a child placed in your care. This coverage will only address those claims that are denied by your Primary Insurer due to malicious or wilful acts of a child in your care.

No, this policy does not provide any worker's compensation type coverage.

The Named Insured as stated on the Cerlificate of Insurance and also includes the following Additional Insureds:

• Any present or former partner, officer, director, employee, volunteer or shareholder with respect to acts performed on behalf of the Named Insured in that capacity.
• Subcontractors approved by the Province.

No, this policy only provides Third Party Legal Liability.

Before reporting a claim, please review the Insurance and FAQ section on this website to help determine if you have a valid insurance claim "Insurance & FAQ link"

The assigned adjuster will investigate the claim to determine if this insurance applies to your claim circumstances.

If you’ve received a notice of claim, or you think you might receive notice, please contact the Master Insurance Program managing broker Aon Reed Stenhouse as soon as possible:

Claims Process

1. Call Aon representatives to discuss possible claim
2. Complete the attached claim form and supply supporting documents. Aon can help with this.
3. An adjuster will contact you to discuss the claim.

Claims contact information:

Supporting claims documents

• Copy of the Civil Claim made against you or your company (if you are being sued)
• Any statement from an individual that they will sue you, as related to the MIP services provided.
• Copy of your MIP certificate
• Copy of incident report(s)
• Police Report (if available)
• Photos of the accident scene (if available)
• Employee and witness statements (if available)

No, the claim should first be reported to Aon Reed Stenhouse.

No, this is a blanket limit and can not be increased on an individual basis.

No, you would need to purchase your own insurance for activities not related to your contract.

Yes it will, that operation would be considered fully covered by this policy.