Docstoc

NPP Consolidated Insurance Program CIP Canadian Forces

Document Sample
NPP Consolidated Insurance Program CIP Canadian Forces Powered By Docstoc
					NPP Consolidated Insurance Program (CIP)

  Furniture & Effects   General Liability




      Buildings          Automobiles
   CIP integral to NPP Risk Management

• Objective – To provide an overview of the
  CIP Insurance Coverage
   CIP - General
Purpose
   – provide adequate, cost effective, insurance coverage to
     all NPF activities
   – combination of self insurance and purchases
     commercial insurance policies providing national
     coverage for property losses and liability claims

Activities covered
   – all NPF property, business or economic undertakings of
     CANEX, Messes, Clubs, Base/Wing/Station activities,
     programs and funds, PMQ councils, the CFCF and all
     other NPF activities and programs accounted for in the
     NPF book of accounts.
   NPP Insurance Coverage Structure
• Property
• Comprehensive General Liability
• Umbrella Liability
• Motor Vehicle Liability
• Environmental Damage Liability
• Group Travel Accident
• Director’s & Officer’s Liability
    Property Coverage
• buildings, equipment, furniture and effects and
  inventories

• includes property under construction or in
  transit or located anywhere in the world.

• Items on loan or consignment

• PMQ/ Community Council

• money
   Comprehensive General Liability:

• Provides coverage for legal liability for
  damage/destruction/loss of or loss of use to
  property of third parties

• bodily injury, personal injuries, sickness, disease,
  disability, mental suffering, including death

• $10,000,000 per incident
   Comprehensive General Liability (cont’d):

• NPF owned aircraft, including gliders, are not
  covered

• Licensed vehicles are insured under a separate
  Vehicle Liability Insurance Policy

• Injuries to NPF paid employees occurring in the
  course of their NPF employment are not covered,
  this is covered by GECA

• Volunteers are covered under this section
  Comprehensive General Liability (cont’d):

• Provides for the payment of all sums which
  NPF may become obligated to pay by reason of
  the liability imposed by law for damages arising
  out of NPF operations
    Umbrella Liability
• Increases liability limits for policies covering third
  party liability

• $10M Coverage
   Motor Vehicle Liability

• Includes legal liability for the operation of
  NPF-owned vehicles and non-owned vehicles
  (lease)

• bodily injury/death or damage/loss to property of
  others

• $1,000,000 per incident plus Statutory Medical
  Benefits.
    Environmental Damage
• Provides coverage for bodily injury/ property
  damage/clean up cost on or off premises due to
  tank release.

• Defense cost (250K Aggregate Limit)

• 8 Locations
   Group Accident Travel

• Twenty-four hour business travel, provides Life,
  Paralysis, and Dismemberment coverage

• $200K

• Limit of Liability: $2M Per Incident
   Directors’ & Officers’ Liability

• Defense, penal coverage and initial litigation
  expenses

• Most covered by Treasury Board of Canada
  Secretariat’s “Policy on the indemnification of
  and Legal Assistance for Crown Servants”
   Units’ Shares of Deductibles

• Bases/Wings/CANEX/CFSU(O) $5,000

• Ships & Small Units $500
   CFCF Consolidated Insurance Program (CIP)

Claims Processing
• CANEX Reports incident through VP Ops

• All other report through the Base/Unit PSP
  Manager

• Must report immediately: by phone or FAX and a
  Preliminary Loss Report should be forwarded to
  CFO/BRM ASAP
                                                                                             RELEASE OF LIABILITY

                                                WAIVER OF CLAIMS, ASSUMPTION OF RISKS AND INDEMNIFICATION AGREEMENT

I, ......................................................., of ................................................, realizing and acknowledging the inherent risks and dangers of playing golf on a
golf course, on behalf of myself, my heirs, devisees, successors, assigns, executors and administrators, in consideration of being permitted to play
golf at the Hylands Golf Course, do hereby:

a.             waive all claims of any nature or kind whether in contract, tort, negligence or otherwise, against Her Majesty the Queen in right of
Canada, Her officers, servants, agents, employees and members of Her Canadian Forces, and against those members' Non-Public Property, and
against the Canadian Forces Personnel Support Agency, its officers, servants, agents and employees, all in their employment and private capacities,
in any manner arising out of, based upon, occasioned by or attributable to the activities of them, including negligence on their part, or any action
taken or things done or maintained by virtue thereof;

b.              having determined and acknowledged that the activity is inherently hazardous and may result in physical harm and wishing in any
event to carry out the activity, voluntarily assume any risks that may be associated with the activity;

c.             at all times indemnify and save harmless Her Majesty the Queen in right of Canada, Her officers, servants, agents, employees and
members of Her Canadian Forces, and those members' Non-Public Property, and the Canadian Forces Personnel Support Agency, its officers,
servants, agents and employees, from and against all claims and demands, loss, costs, damages, actions, causes of action, suits or other
proceedings by whomsoever made, brought, or prosecuted in a manner, related to any loss, property damage, personal injury or death, resulting
from, occasioned by or attributable in any way to my presence on or at the Hylands Golf Course;

d.             covenant that I will not commence or maintain against any person, any action or proceeding which will give rise to a claim against
Her Majesty the Queen in right of Canada, Her officers, servants, agents, employees and members of Her Canadian Forces, or against those
members' Non-Public Property, or against the Canadian Forces Personnel Support Agency, its officers, servants, agents and employees, for
contribution or indemnity; and

e.            acknowledge having read this Release of Liability, Waiver of Claims, Assumption of Risks and Indemnification Agreement and
understanding the Agreement is intended to be broad and all inclusive so as to preclude any claims, indicate my acceptance of this document by my
signature.


DATED at ............................................, this .............. day of ............................., 20.......


WITNESS ..........................................      SIGNATURE ......................................................."
    Insurance Cost Clubs
• CIP represents excellent value compared to
  arranging insurance coverage at the local level

• Examples ….typical large base
Insurance Cost Clubs (cont’d)
Archery        $2,500
Auto Club      $2,500
Badminton      $1,000
Ball Hockey    $1,000
Baseball       $1,000
Basketball     $1,000
Broomball      $1,000
Canoe/Kayak    $5,000
Ceramics       $1,000
Climbing       $5,000
Computer       $1,000
Curling        $3,000
Cycling        $2,500
Insurance Cost Clubs (cont’d)
Dance                     $2,500
Dragon Boat               $1,000
Gardening                 $1,000
Golf Club                 $5,000
Gun/Shooting Club         $5,000
Gymnastics                $2,500
Hockey                    $2,500
Horseback Riding/Saddle   $5,000
Hunting/Fishing Club      $1,000
Indoor Soccer             $1,000
Internet                  $1,000
Martial Arts              $5,000
Medieval                  $1,000
Insurance Cost Clubs (cont’d)
Moms & Tots    $2,500
Motor Cycle    $2,500
Paintball      $5,000
Pottery        $1,000
Radio          $1,000
Ringette       $2,500
Running        $1,000
Scuba Diving   $5,000
Sewing         $1,000
Skateboard     $2,500
Skating        $1,000
Ski            $2,500
Snow Mobile    $2,500
Insurance Cost Clubs (cont’d)
Soccer                 $1,000
Squash                 $1,000
Stained Glass          $1,000
Strategic Gaming       $1,000
Swimming               $3,000
Theatre                $1,000
Triathlon              $2,500
Weightlifting          $2,500
Wood Working           $1,500
Wrestling              $2,500
Yatch/Sailing/Marina   $5,000
Youth                  $2,500
Youth Bowling          $1,000
Insurance Cost Clubs
Auto Club              $2,500
Canoe/Kayak            $5,000
Cycling                $2,500
Gardening              $1,000
Golf Club              $5,000
Gun/Shooting Club      $5,000
Gymnastics             $2,500
Hunting/Fishing Club   $1,000
Internet               $1,000
Martial Arts           $5,000
Medieval               $1,000
Moms & Tots            $2,500
Motor Cycle            $2,500
Radio                  $1,000
Scuba Diving           $5,000
Squash                 $1,000
Triathlon              $2,500
Yatch Club Marina      $5,000
  Insurance Cost Clubs – Impact for Typical Unit

• Total cost of locally arranged insurance

   – $51,000

• Total cost of CIP

   – $11,602
    NPP Incident Profile & Trend Third Party Liability

• Fell backward on a chair (Back injury) O/S
• Customer hit by a ladder (neck injury) 5K
• Slip and fall wet floor (Back injury) 3K
• Fell off ladder (Death) O/S
• Slip and fall dance floor (Broken ankle) O/S
• Trip over metal display (Broken arm) O/S
• Alcohol related car accident (4 Death) 875K
• Alcohol related car accident (1 Death) O/S
• Customer spill hot coffee (3rd degree burn) 8K
NPP Incident Profile & Trend Third Party Liability (cont’d)

• Slip in eggs on the floor (Back injury) 15.5K

• Slip on steps (Mess) (Broken ankle) 60K

• Slip and fall golf course (Broken ankle) 32K

• Slip and fall golf course Fractured hips) 21K

• Slip and fall parking lot (Broken forearm) O/S

• Slip and fall parking lot (Neck injury) O/S

• Skier hit by a skidoo (Broken nose, Jaws, Collarbone,
  concussion & Facial injury) 53K
  CFCF Consolidated Insurance Program (CIP)
• Contact: Jean E. Delisle
• Budget/Risk Manager
• TEL: (613) 996-8676
• FAX: (613) 992-9683
• EMAIL: delisle.jean@cfpsa.com
• CIP Website
  www.cfpsa.com/en/services/finance/cip/

				
DOCUMENT INFO
Categories:
Tags:
Stats:
views:7
posted:6/25/2012
language:
pages:26
jolinmilioncherie jolinmilioncherie http://
About