The City welcomes permit holders to use their own broker for coverage. Please submit your Certificate of Insurance to certificates@reddeer.ca. The Certificate of Insurance must include:
Commercial General Liability
This insurance coverage protects the individual/group against claims for bodily or personal injuries, advertising liability, as well as property damage to third parties arising from operations or products or occurring on the premises. This coverage would cover legal costs to defend the claim against the renter in court, as well as indemnity costs to cover damages to compensate third parties.
Additional Clauses/Coverages Required
Participant Liability
This coverage will typically include coverage for individual’s participating in a sanctioned or authorized event, including related training activities. This may be phrased as “bodily injury to participants including participant to participant injury” or “participant exclusion does not apply.”
Cross Liability
This clause allows parties named under a policy to sue each other (under normal insurance rules, an insured cannot sue themselves or another insured on the same policy).
Severability of Interest
A policy provision that clarifies the insurance that applies to each insured as if a separate policy were issued to each (this does apply to limits, all insureds will still follow one limit of insurance)
Additional Insured
Certificates of Insurance must include the City as an additional insured and reference the mailing address for City Hall (Box 5008, Red Deer, AB, T4N 3T4). This provides the City with coverage from the renter’s policy.