FAQ

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Additional insured for civil liability:

When you lease or borrow or use a room or premises that do not belong to you and your lease or rental agreement requires that you add the owner of the building as an additional insured.
You must provide the owner's full address because in the event of the cancellation of your insurance, we must notify the additional insured (the owner) by registered mail.

Hypothecary creditor:

When financing the purchase of a new building, the bank asks to be added as a hypothecary creditor.
You must provide the creditor's full address, because in the event of the cancellation of your insurance, we must notify the creditor by registered mail.

Beneficiary:

When you lease, borrow or finance property, the owner of the property will usually ask you for proof of insurance and will want to be mentiioned as a beneficiary, i.e. that in the event that the property concerned is damaged due to an insured peril, the owner wants its name to appear on the benefit cheque because it still has an insurable interest in the property (e.g. photocopier lease contract).

You must provide the creditor's full address, because in the event of the cancellation of your insurance, we must notify the creditor by registered mail.

Please contact us if you have any questions at osbl@bflcanada.ca or by telephone at 514-843-3632 or toll free at 1-800-465-2842 and ask for the NFPO insurance program.

CC mail information

Please provide or update the information contained in the boxes "Describe the mission of your organization" and "Describe your activities"

Add additional contact persons

Address of the premises where the organization's property is located.

For property insurance only, please indicate the address of the buildings that belong to the organization as well as the addresses of premises that are leased on an annual basis and that usually contain the organization's property.  Some clarifications: Please indicate the addresses of your places of business only, because the places where your activities take place in Canada (e.g. park, community centre, etc.) are automatically covered by your civil liability insurance policy.

Please indicate how many volunteers work for your organization.  
Ex:  if 0 select 0-10, if 15 select 11-20, ect

 

Please indicate the total amount of grants, donations and other amounts you receive annually before expenses.

This policy covers specialized equipment which is usually excluded under the
Property policy. It aims to protect against fnancial loss—damage to physical
property, business interruption, loss of perishables—arising from an “accident”
involving pressurized, mechanical or electrical equipment (“objects” under the
policy).

Covered “objects” would include, amongst others, steam or hot water boilers,
fred or unfred pressure vessels, refrigeration and air conditioning systems,
electrical and mechanical equipment, transformers and motors, compressors,
pumps and computers and other electronic equipment. If your NFPO is
exposed to risks of this type, you may want to consider obtaining this optional
coverage.

Policy conditions and exclusions apply.

The table below shows the cost of adding this optional coverage:

Available limit	Deductible	Annual minimum premium (for NFPOs joining before June)	Semi-annual minimum premium (for NFPOs joining as of June)
$5,000 to $50,000	$500	$20	$10
$50,001 to $200,000	$500	$40	$20
$200,001 to $500 000	$500	$75	$37.50
$500,000 to $5,000,000	$500	$150	$75

• The Insurer requires an annual minimum premium for NFPOs joining between November 30 and May 31 and a semi-annual minimum premium for NFPOs joining between June 1 and November 29.
• Premiums are identical for all NFPOs, whether associated with a UMQ member or not.

The full document is available under the tab "Policy wordings" Equipment breakdown coverage.

Do you have to travel abroad (e.g. United States, Europe, Etc.) in the course of your duties with the organization? If so, please contact us at osbl@bflcanada.ca or by telephone at 514-843-3632 or toll free at 1-800-465-2842 and ask for the NFPO insurance program.

Claim information

Technical information about building

Creditor information

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The Insured is required to give advance notice to BFL CANADA Risk and Insurance Inc. of any high risk event or activity which includes one or more of the following items and has not been declared as part of the application form completed by the organization, such as:

• Crowd of 10,000 people or more;
• Fireworks;
• Sleigh rides;
• Hunting and shooting games;
• Karts;
• All activities/sports defned as “extreme”*;
• Skateboarding/BMX;
• Tower or climbing wall;
• Use of fire;
• Inflatable games;
• Horses, ponies and others;
• Activities with animals;
• Activities outside of Canada;
• Marinas, boats and other watercraft All activities relating to motorized sports, races or endurance events;
• Skiing or sliding sports;
• Canoe or kayak;
• Activities involving firearms;
• Watercourse dam management;
• Paid professional services, such as consulting services;

IMPORTANT NOTES:
The Insurer requires that fireworks, inflatable games, activities with horses and ponies and other such activities be carried out by professional pyrotechnists and/or specialized contractors who must provide, prior to the event, a certifcate of insurance for a minimum amount of $2,000,000. (Please contact BFL CANADA for the complete list of high risk activities.)

Skateboard and/or BMX activities must be organized by specialized contractors. You must obtain a certifcate of liability insurance for a minimum amount of $2,000,000 from the contractor prior to the event and provide it to BFL CANADA. If the activity takes place at facilities owned by the municipality, a liability insurance program for skateboard and BMX parks must be purchased. (See UMQ website; section “Services Corporatifs”, Assurances de dommages”.)

All hazardous or risky activities must be declared to BFL CANADA for underwriting purposes and may be subject to additional premiums. The Insurer also reserves the right to deny any coverage for these activities.

*Extreme sports or adventure sports are recreational activites perceived as involving a high degree of risk. These activities often involve speed, height, a high level of physical exertion, and highly specialized gear.

Additional activity Information

Other additional activity