Insurance
Are organizers of club-sanctioned events covered?
Organizers of club-sanctioned events and activities are covered under the CGL policy (not the directors and officers policy). Event and activity organizers (who are club members but not directors or officers) are covered under our Commercial General ...
What is Non-Owned Automobile Insurance?
Does your business have potential automobile loss exposures that you aren't aware of? You’ve taken all of the necessary steps to ensure that your own fleet operation is properly covered in the event of an accident but what about the potential loss ...
What is Medical Payments Coverage?
This extension of coverage for medical expenses, is for emergency, or necessary medical treatments which is incurred by a third party who accidentally sustained injuries at your premises and is paid regardless of fault/negligence. It’s more of a good ...
What does Advertisers Liability Insurance mean?
Personal and Advertising Injury, is automatically included in a general liability policy. This coverage provides protection against claims alleging various other offenses, such as libel, slander, copyright infringement, the use of another's ...
What Is Tenant Legal Liability Insurance Coverage?
Tenant's Legal Liability insurance coverage is an extension of Commercial General Liability policy, which protects the insured in the event they are found liable for loss or damage to leased or rented property space subject to terms and conditions of ...
Is car pooling to club-sanctioned events covered by our liability insurance?
Question: Is there any coverage in the Probus Canada policies (CGL or D&O) that could come into play in addition to or in excess of a primary car insurance policy if a claim is made by a passenger member against a driver member in the event of an ...
When are we covered by our liability insurance?
The definitive answer is provided in the actual Policy document, specifically Part II - Who is an Insured. However, our broker (Hub) helped us to condense the answer as follows. Example scenario: A club organizes an event using a travel agency. If an ...
How to start an insurance claims process
Incident at an event or meeting When an incident happens at an event or meeting of a Probus Club it should be reported to Hub International, our insurance broker, as soon as possible after the incident has taken place. In all cases, contact our ...
Special insurance certificates - Venues
How do I add the name of our meeting facility or venue to our insurance policy? If your club requires special certificates of our CGL and Management Insurance then inquire about those directly with our insurance broker: HUB International Ontario ...
The danger of using copyright-protected photos, cartoons, and clipart
Websites Many Probus clubs have their own website to help promote and organize their activities. To make these websites more appealing, web coordinators sometimes download from the Internet and then insert photos, cartoons, and clipart (here ...
Insurance and the Use of 'Waiver Forms' for Probus Club-Sponsored Events
The issue of Waivers and their use at Probus sponsored events is a topic that we field from Probus Members on a fairly regular basis. The question is whether Probus Clubs that are hosting an event for Members and or guests of Members should be using ...
Are guests covered by our liability insurance?
Question: Are guests covered by our liability insurance? Answer: Only club members are covered by the PROBUS Canada 3rd person liability. Question: How do we define club members? Answer: To be considered a member they need to be Registered with the ...