Ontario 4-H Council Insurance Teleconference Calls. Thursday, April 29, :00 1:00 p.m. Thursday, April 29, :00 9:00 p.m.

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1 learn to do by doing apprendre en travaillant the gift of leadership un don de leadership Ontario 4-H Council Insurance Teleconference Calls Thursday, April 29, :00 1:00 p.m. Thursday, April 29, :00 9:00 p.m. Meeting Minutes Participants: Shonna Ward, President, Ontario 4-H Council Lyndon Stewart, Executive Director, 4-H Ontario Jeremy O Quinn, BFL Canada Risk and Insurance Services Inc. 1.0 Roll call Name and Association 2.0 Welcome Shonna Ward, President, Ontario 4-H Council Shonna Ward welcomed participants to the calls. 3.0 Introduction of Jeremy O Quinn, BFL Canada Lyndon Stewart introduced Jeremy O Quinn of BFL Canada who will discuss insurance from an organizational perspective. BFL Canada is the Canadian 4-H Council insurance broker. 4-H Ontario is a member of 4-H Canada and shares in the insurance purchasing. 4-H Ontario appreciates the insurance support received from BFL Canada. 4.0 Why an organization has insurance? Insurance is a basic risk transfer vehicle. Insurance is purchased to hedge against an uncertain risk. It is purchased for a relatively low premium to help pay for a catastrophic risk. Fundamentally, a catastrophic risk could sink an organization. 5.0 Key types of 4-H Ontario insurance 5.1 Travel Accident Insurance Renamed to Participant Accident Insurance Agenda items 5.1 Travel Accident Insurance and 5.4 Insurance Coverage for Members fall under the same category participant accident insurance. This insurance covers all members, volunteers and employees participating in a 4-H activity. Basically, it provides a low level benefit package in the event of an accident Hwy 6 North, RR5 Guelph, ON N1H 6J2 ph : tf : fx : em : inquiries@4-hontario.ca

2 Ontario 4-H Council Insurance Teleconference Meeting Minutes April 29, 2010 Page 2 For example: Scenario 1: Twisted knee participant requires physiotherapy, new brace, etc. Scenario 2: Dental costs due to a loss of teeth. A participant s personal insurance will cover the initial costs with 4-H insurance assisting after personal limits have been reached. 5.2 Commercial General Liability This is a broad form of insurance. It is the legal liability covering bodily or property damage to someone from outside the organization. For example: Scenario 1: 4-H Office does not shovel a sidewalk and a person slips and falls. Scenario 2: An animal escapes at a fall fair and causes property damage. 4-H insurance covers the defence costs and the actual claims. 5.3 Directors & Officers Liability This insurance protects Directors and Officers against a breach of their duties i.e. wrongful acts. The majority of these insurance claims come from the employees i.e. wrongful dismissal, harassment, etc. 5.4 Insurance Coverage for Members Discussed under agenda item What insurance doesn t cover? Insurance does not cover intentional or criminal acts or punitive damage awarded over and above in a court of law. Automobiles are better insured elsewhere excluded under general liability insurance. Accident damage is not covered under 4-H insurance. 7.0 Who is not protected 4-H insurance covers Members, Volunteers, Employees, Directors and Trustees. They are covered when participating in an expressed or implied activity at the direction of 4-H Ontario. 8.0 Questions and Answers 8.1 When does 4-H insurance start when travelling with an animal to a 4-H sanctioned event from leaving home to the arrival at an event? Animals are not covered by 4-H insurance when travelling to and from an event. The animal is covered by the owner s personal insurance. Once the animal arrives at a

3 Ontario 4-H Council Insurance Teleconference Meeting Minutes April 29, 2010 Page 3 4-H sanctioned activity or event and damage is caused by the animal the damage will be covered by 4-H insurance as long as it is not an intentional act. 8.2 Driving members to a 4-H club event? You have two options: Option 1 Hire a bus to transfer liability to bus company; or Option 2 Carpooling where the driver s personal automobile insurance is responsible. The individual organizing the carpooling is not liable for accidents unless he/she knowingly allows members to get into a vehicle with an individual who may be impaired. It is recommended that volunteers driving 4-H members check their insurance coverage with their own broker. 8.3 Members attending to animals as part of their 4-H club at the owner s farm. 4-H insurance covers the farm owner when members are at their farm to care for their project animal. The farm owner s children are covered under their farm insurance. It is recommended as a home/farm owner you advise your insurance broker that you are using your home for 4-H sanctioned events. If you are uncertain it is recommended that you check with your insurance broker prior to event. 8.4 Reducing Risk at the Club and Association Level Club level communication from the local Association is important. Specifically what kinds of activities are part of 4-H. It is important to be aware, plan and execute. Ask questions before you hold the event, plan ahead to minimize risk and execute the event. Know your environment and where the phone and health & safety forms are located. It is well worth the effort to plan ahead of the event as it shows preparedness. Provide an orientation to members and volunteers to take control of your environment to reduce the amount of risk. Documenting and record keeping are amazing tools when defending yourself in court. 4-H has an incident reporting system that needs to be followed in the event of an accident. Please complete an Incident Report and file it with 4-H Ontario as soon as possible. Form # H Incident Report is included with these minutes. 4-H Ontario reports all incidents to our insurance broker. 8.5 Are 4-H friends covered? Yes, under the 4-H general liability coverage and participant accident insurance.

4 Ontario 4-H Council Insurance Teleconference Meeting Minutes April 29, 2010 Page Does it include siblings and parents who stay during the 4-H meetings? Probably both the 4-H and homeowners coverage will be used. As the homeowner you are allowing them to stay on your property. Local Leaders must establish guidelines around parent and sibling participation. For your protection, define a zone where siblings and parents are allowed to be on your property. Be intentional about it. 8.7 Does it include parents and siblings who are invited to attend? Yes, if the invitation to attend was initiated by the 4-H Association or Club. They are covered under the 4-H general liability coverage. 8.8 Are local Association Directors and Officers covered? Directors & Officers can be sued when in breach of their duties. It is important to contact 4-H Ontario immediately, specifically Jennifer Hall, Manager, Volunteer Services and Development to limit losses. Working together we need to increase awareness and communication on proactive risk management. Our claims history has been phenomenal however we have to stay focused on keeping it this way. Thanks for your combined efforts. 8.9 Activities that are clearly not insured? Any illegal activity is not insured as well as the following activities are not covered by our insurance: skydiving; white water rafting ocean activities rock climbing. If in doubt please obtain confirmation from our insurance broker. It is important to always confirm with the organization hired that they have the right insurance in place to be conducting the activity. Organizations running these activities will ask participants to sign a waiver indicating you understand the inherent dangers of participating in this activity. Waivers don t always stand up in court. It will depend on how well it is written and on how well the activity was run. If a mistake is made did the organization take the right steps to protect participants? 8.10 Certificates of Insurance Certificates of insurance are provided by BFL Canada for all 4-H Associations in Ontario. The following is the request process: a. 4-H Association completes Form #6.26 Proof of Liability Insurance 4-H Request form at the request of a local fair board, school, etc where a 4-H activity or event is taking place. Forms must be submitted at least 10 business days before the date of the activity/event.

5 Ontario 4-H Council Insurance Teleconference Meeting Minutes April 29, 2010 Page 5 b. 4-H Association submits Form #6.26 to 4-H Ontario. c. 4-H Ontario submits the Form #6.26 to our insurance broker, BFL Canada d. BFL Canada completes the Certificate of Insurance and sends it to 4-H Ontario e. 4-H Ontario sends the Certificate of Insurance to the requesting organization as well as the 4-H Association. 9.0 Summary and Next Steps - Lyndon Stewart, Executive Director For all insurance questions and when in doubt, Jennifer Hall, Manager, Volunteer Services and Development is your first point of contact. All 4-H insurance documents can be accessed on the 4-H Ontario website at The following documents are located on the unsecure side of website under Forms: Form # H Ontario Incident Report Form #6.26 Proof of Liability Insurance 4-H Request Form Instructions to secure side of website to access Insurance : 1. Login in to the secure side of the 4-H Ontario website. 2. Once you have logged in you will see this message: You are now able to access the private members area of the website. 3. Select Members/Volunteers Login 4. Select Policies 5. Select Section Select 5.4 Insurance Coverage ACTION: 4-H Ontario to consider a risk management pamphlet for all 4-H volunteers Closing comments On behalf of 4-H Ontario, Lyndon expressed his appreciation to Jeremy O Quinn, BFL Canada and to the Volunteers participating on behalf of their Associations. Attachments: Revised as of June 10, 2010: 1. Form 6.26 Proof of Liability Insurance Request Document 2. Form 6.10 Incident Report 3. Reference Manual Insurance Documents: Document #5.4.1 Participant Accident Insurance Fact Sheet Document #5.4.2 Commercial General Liability / Excess Liability Fact Sheet Document #5.4.3 Directors & Officers Liability Fact Sheet Document #5.4.4 Insurance Terminology Brochure Document #5.4.5 Summary of Insurance Coverage for Members Document #5.4.6 Summary of Insurance Coverage for Volunteers Document #5.4.7 Insurance Questions and Answers

6 5.4.1 Canadian 4-H Participant Accident Insurance Fact Sheet COVERAGES AND LIMITS Classes 1,2 & 4: $10,000 Class 3: $20,000 Accidental Death & Dismemberment Benefit Class 1: $100/week 26 weeks Class 3: $200/week 104 weeks Weekly Accident Indemnity $10,000 Accidental Medical Reimbursement Benefit $1,500 Accidental Dental Reimbursement Benefit $2,000 Tutorial Expense INSURED Class 1: All members of the Alberta 4-H Council and Saskatchewan 4-H Council Class 2: All other members. Class 3: Volunteers, Leaders, Staff, Directors, Officers & Trustees, up to age 80 (up to age 65 for the Weekly Indemnity Benefit). Class 4: Non-registered participants in 4-H activities, approved by and under the supervision of 4-H. What to do in the event of a Claim? Your first step would be to contact the provincial or national office for information on claims reporting procedures. In case of an after hours emergency please contact BFL CANADA Risk and Insurance Services Inc., at or to report the incident immediately. Please Note: The information contained herein is general information and should not be mistaken for the policy. June of 2

7 5.4.1 DESCRIPTION OF HAZARDS The hazards against which insurance is provided and subject to the provisions of the policy for each classification of insured persons are defined as above: Injury sustained by the insured person while attending regular meetings, or club organized, supervised or approved functions, or participating in the Youth Exchanges Canada, including to and from such meetings, functions and programs. Such meeting, functions and programs shall be deemed to have commenced when the insured person leaves his residence or place of regular employment for the purpose of going on such meetings, functions, or programs, whichever last occurs, and continues until such time as he returns to his residence or place of regular employment, whichever first occurs. INSURANCE QUESTIONS AND ANSWERS Q. How much is coverage for? A. In the event of an accident, the Accidental Death & Dismemberment Benefit is for loss of life, complete loss of sight, speech, hearing and limbs including loss of use of same. In the event of partial loss, a portion of the total limit will be available as detailed in the insurance policy. The Accidental Medical Reimbursement Benefit will cover the following expenses if they are not covered under the insured person s Provincial Health Plan: Ambulance, hospital charges (the difference between the public ward allowance and the semi-private accommodation), physiotherapy charges (up to $500), prescribed drugs, expenses for crutches, splints, casts, etc., (up to $750), chiropractor charges (up to $500), etc.. Members are also covered under Accidental Dental Reimbursement Benefit (maximum $1,500). The Weekly Accident Indemnity provides a weekly benefit to insured persons employed full time at the time of the accident if, as a result of an accident, the insured person suffers total disability. Total disability means that the Insured Person (1) is unable to perform the substantial and material duties pertaining the their occupation and (2) requires the regular care and attendance of a physician. The benefits are as described on the cover page. Q. If a spectator was injured at an event, would he be covered under the policy? A. No. Only those described under the Classification of Insured Person are covered. Q. What is the difference between Class 1 and Class 2 Members? A. Class 1 Member provinces purchase additional Weekly Accident Indemnity benefits for their members. Please Note: The information contained herein is general information and should not be mistaken for the policy. June of 2

8 5.4.2 Canadian 4-H Commercial General Liability / Excess Liability Fact Sheet COVERAGES AND LIMITS Bodily Injury and Property Damage Non-Owned Automobiles $5,000, Commercial General Liability Each Occurrence $1,000, Watercraft Liability Each Occurrence & Aggregate Limit Occurrence Form $5,000, Each Occurrence Occurrence Form Limited Abuse Coverage $500, Each Claim / $1,000,000 Aggregate limit. Claims Made Form Retroactive Date January 1, 1998 Excess Liability Follow Form $5,000, Excess Liability Each Occurrence & Aggregate Excess of: $5,000, Commercial General Liability $1,000, Watercraft Liability Occurrence Form Deductible / Self Insured Retention (SIR) Bodily Injury and Property Damage Limited Abuse Form Excess Liability $2, Deductible $2, Deductible $10, Self Insured Retention What to do in the event of a Claim? Your first step would be to contact the provincial or national office for information on claims reporting procedures. In case of an after hours emergency please contact BFL CANADA Risk and Insurance Services Inc., at or to report the incident immediately. Please Note: The information contained herein is general information and should not be mistaken for the policy. June of 4

9 5.4.2 Definitions: Commercial General Liability / Excess Liability: This policy offers protection against liability imposed by law for bodily injury or property damage to a third party. It does not cover your injuries or damage to your property. The idea is to protect you for claims made by others. Watercraft Liability: This endorsement extends the policy coverage to include the use of owned or borrowed watercraft less then 8 meters in length that are not being used to carry persons or property for a charge. Coverage under this endorsement is subject to the following: All persons are required to wear life jackets while in the watercraft; All watercraft must contain a bailer, buoyant throw/tow line and a signaling device; Whitewater and ocean activities are excluded. Insured: The entity itself, a 4-H volunteer, employee or member and their families while acting on behalf of 4-H. A volunteer can be defined as someone who gives freely to work and who is not remunerated for said work. Occurrence Policy: Coverage trigger is the date when the bodily injury or property damage took place. The policy in force at that time applies. Claims Made Policy: Coverage trigger is the date when the claim (as a result of Bodily Injury or property damage whenever it occurred) is made. The policy in place at that time applies. Retroactive Dates: When the policy is claims made, the policy will respond to claims that are brought forward during the policy period if the incident occurred after the retroactive dates. Please Note: The information contained herein is general information and should not be mistaken for the policy. June of 4

10 5.4.2 INSURANCE QUESTIONS AND ANSWERS Q. Do we have to use a waiver form? A. Waiver forms act as a deterrent for a suit but they do not alleviate 4-H from liability. Q. Should we as a club get insurance for our members and leaders, as only third parties are covered by the third party liability insurance? A. The Commercial General Liability Policy provides coverage for an insured if they are brought in a suit involving property damage and bodily injury to a third party however, there is a clause on the policy Cross Liability which allows one insured to sue another insured. For example, if a member is injured and the parents sue 4-H, then 4-H would have coverage to defend the suit subject to all the policy terms, conditions and exclusions. It is highly recommended that each provincial council purchase an Accident insurance policy. An Accident insurance policy responds immediately and is not triggered by a law suit. Q. What happens if one of our members or leaders gets injured or killed? How are we covered? What good is third party liability insurance then? A. The Commercial General Liability Insurance Policy provides coverage for an insured if they are brought into a suit involving property damage and bodily injury to a third party however, there is a clause on the policy Cross Liability which allows one insured to sue another insured. For example, if a member is injured and the parents sue 4-H, then 4-H would have coverage to defend the suit subject to all the policy terms, conditions and exclusions. Q. When are 4-H members covered? A. Coverage is triggered once a member is involved in a suit. Q. Do any 4-H events need to have a Memorandum of Insurance? A. If you are asked to provide proof of insurance, you may issue a memorandum of insurance. The memorandum should not be volunteered and only given upon request. Your provincial organization can prepare it for you. Q. What about when a 4-H member brings a friend to an event or a meeting, is the friend covered? A. If the friend is a volunteer at a sponsored 4-H event, then the Commercial General Liability policy can offer protection. A volunteer can be defined as someone who gives freely to work and who is not remunerated for said work. Q. Is there a suggested amount of liability insurance I should have on my vehicle? i.e. $2,000,000 or $3,000,000 etc. A. The legal amount of liability insurance required varies from province/territory to province/territory. You should carry a minimum of $2,000,000 coverage under your personal automobile policy, however higher limits of liability can be discussed with your broker/agent. Q. If there is an accident at home or school under a member s care and supervision what is the coverage? A. The liability coverage is not location specific. Q. Does our insurance policy cover travel outside of Canada? We are looking at options for going on a backpack trip down the road which may take us outside Canada to the United States. Anything we should know? A. Yes, the insurance does cover travel outside of Canada to the United States. All activities that the club undertakes need to be recorded somewhere in the minutes, on a program plan, letter to parents, members etc. So if you plan a backpack trip outside of Canada, it needs to be recorded somewhere, just as any other activity does. The insurance does not cover health so all participants should carry their own health insurance for travel outside of Canada, just as they would for a non 4-H trip. Please Note: The information contained herein is general information and should not be mistaken for the policy. June of 4

11 5.4.2 INSURANCE QUESTIONS AND ANSWERS Q. I had a call from a 4-H leader who would like to offer the roughstock rodeo project, and would like to train members 16 and older for Bull Riding. He will put together a training plan, but wanted to check that the 4-H insurance would cover any injury/liability claim. A. As long as the project is sanctioned, the coverage would apply however, at present the Insurer has not considered any activities with the injury potential of a Bull Riding project. Before any such clubs or projects are undertaken please contact your provincial office with details to forward to the insurer. Though no exclusions exist in the insurance policy it would be prudent to provide the insurer with advance knowledge of these activities before an accident or injury occurs. Q. When the club goes on a trail ride, are the parents covered when they are riding their own horses? A. 4-H member s parents who participate in an event are not covered unless they work as registered volunteers. Spectators who participate in any event are not covered. Q. This question is in relation to property damage If a 4-H Club uses a 4-H friend s facility what coverage, if any, is available if the project animal (horse, canine, beef, etc) damages the facility in any way. Likewise if a member or leader damages the property through an accidental cause (not malicious)? A. Coverage s in both instances would apply up to the limit of the policy subject to the property damage deductible. Q. The question of helmets with equine projects continues to come up. How does this effect coverage? A. Currently helmets are not required, but strongly recommended. Q. Is there any insurance issues with respect to accidents and injuries/liability associated if we do not have mandatory helmet usage? Again, would there be any insurance issues with respect to an accident and injuries/liability associated if we do not have mandatory compliance with the equine project rules? A. With respect to the Commercial General Liability, it is recommended that helmets be worn however, if a helmet is not worn, it does not affect coverage. With respect to the equine program, the same applies. Q. Is there coverage for accidents involving ATV s or Snowmobiles? What about Watercrafts? A. There is no coverage under the Commercial General Liability policy accidents involving ATV s or Snowmobiles under this policy, the liability for these motorized vehicles would fall under the automobile policy owned by the owner of the vehicles in the same way that an accident involving a car or truck would apply. Generally, accidents involving a watercraft would apply in the same way, however there has been an amendment to this policy which allows for owned (or borrowed) watercraft that are less then 8meters in length. Please review the definition of Watercraft Liability on page 2 of this fact sheet for details. Please Note: The information contained herein is general information and should not be mistaken for the policy. June of 4

12 5.4.3 Canadian 4-H Directors & Officers Liability Fact Sheet COVERAGES AND LIMITS $2,000,000 Each Claim Claims Made $5,000,000 Shared Aggregate Claims Made $0.00 Deductible Directors and Officers Liability: Protect you, your directors, officers and your organization from allegations of negligent acts. You are protected from these threats whether they have merit or not. Claims Made Policy: Coverage trigger is the date when the claim (as result of bodily injury or property damage whenever it occurred) is made. The policy in place at that time applies. Insured: The entity and any individual who was, is or shall be a director, officer, trustee, employee, volunteer or member of any duly constituted committee of the entity. A volunteer can be defined as someone who gives freely to work and who is not remunerated for said work. What to do in the event of a Claim? Your first step would be to contact the provincial or national office for information on claims reporting procedures. In case of an after hours emergency please contact BFL CANADA Risk and Insurance Services Inc., at or to report the incident immediately. Please Note: The information contained herein is general information and should not be mistaken for the policy. June of 2

13 5.4.3 INSURANCE QUESTIONS AND ANSWERS Q. How much is coverage for? A. $2,000,000 per claim however there are exclusions to the insurance policy. It is important that all parties involved understand that the $5,000,000 Aggregate limit is shared by all participating 4-H Councils/Foundations. Q. Is there coverage if 4-H is brought into a suite because a spectator was injured at an event? A. No. Bodily Injury and Property Damage Claims are excluded under this policy as these types of claims are covered by the Commercial General Liability Policy currently in place. Q. Where are the directors and officers covered? A. The policy responds to claims that are first brought forward in Canada.. Please Note: The information contained herein is general information and should not be mistaken for the policy June of 2

14 Insurance Terminology Brochure For further information contact: 4-H Ontario Phone: (519) Fax: (519) Commercial General Liability Purpose To pay on behalf of your agency all sums which your agency shall become obligated to pay by reason of the liability imposed upon you by law or assumed under an insured contract as defined within the policy for compensatory damages arising from your premises, operations or activities. Limits of Liability Bodily Injury and Property Damage Provides coverage for claims for Bodily Injury or Property Damage arising from the ownership or use of premises, or from operations away from such premises for which you shall become legally obligated to pay. Abuse Abuse means sexual, physical, psychological or emotional abuse, molestation or harassment, including corporal punishment. Non-Owned Automobile Covers third party liability exposures of the Ontario 4-H Council/Ontario 4-H Foundation for bodily injury or property damage arising from the use or operation of any automobile not owned or licensed in the name of your organization. Advertising Liability Provides coverage for liability imposed as a result of your advertisement activities in any advertisement, publicity article, broadcast or telecast for invasion of privacy, libel, slander, infringement of copyright, or of title or slogan, piracy, plagiarism or unfair competition. Tenant s Legal Liability Provides coverage for your legal liability for damage to premises rented to or occupied by the Ontario 4-H Council/Ontario 4-H Foundation. Who Is an Insured The entities (Ontario 4-H Council/Ontario 4-H Foundation), local 4-H Associations, volunteers, Trustees, Directors, registered 4-H members, employees and invited guests. 4-H Should Be Requesting a Copy of a Certificate of Insurance If other people/companies are participating in 4-H activities, it is wise to request that they provide you with a certificate of insurance, confirming that they have liability insurance, and adding 4-H as an additional insured to their policy. June of 2

15 Insurance Terminology Brochure $2, Bodily Injury $2, Property Damage Always Report an Incident If an occurrence takes place that may give rise to a claim, it is imperative that you report it to 4-H Ontario immediately at ext In addition, please complete a 4-H Ontario Incident Report (Form 6.10) and fax to (519) Personal Injury Covers liability imposed as a result of false arrest, wrongful detention or imprisonment, malicious prosecution, libel, slander, defamation of character or wrongful eviction, abuse and as more fully defined in the policy. Occurrence Property Damage Broadens property damage liability coverage to include continuous or repeated exposure to conditions neither expected nor intended by you. Blanket Contractual Covers the liability assumed by you under contract as defined in the policy. $2, Tenants Legal Liability $2, Abuse (limited) Certificate of Insurance The purpose of a certificate of insurance is to confirm that you have liability insurance coverage. 4-H Ontario can provide Certificates of Insurance when requested. If you need to provide proof of liability insurance coverage, complete the Proof of Liability Insurance Request (Form 6.26) and forward to the 4-H office. At least 10 working days notice is required to ensure that the certificate is completed and sent to you or the requesting party. Adding an Additional Insured To a Certificate of Insurance If you add an additional insured to a certificate of insurance, basically, you are confirming that if that person/company is listed in a law suit as a result of a 4-H activity, they can piggy-back on your policy. They will look to your insurance policy to respond. Hence, your insurance claims experience may be affected. Coverage Territory Canada and the United States. Other parts of the world if the activities of a person whose home is in Canada or the United States, but is away for a short time on 4-H business. Deductibles June of 2

16 Summary of Insurance Coverage for Members CANADIAN 4-H COUNCIL AND CANADIAN 4-H FOUNDATION SUMMARY OF INSURANCE COVERAGE FOR MEMBERS OF The Ontario 4-H Council Policy No issued by Industrial-Alliance Pacific Life Insurance Company PARTICIPANT TRAVEL ACCIDENT INSURANCE All members of the Canadian 4-H Council and Canadian 4-H Foundation are covered if an injury is sustained as the result of an accident while attending regular meetings, or club-organized, supervised or approved functions, or participating in the Youth Exchanges Canada Program. Coverage begins when you leave your place of residence or place of regular employment for the purpose of going on such meetings, functions or programs, - whichever happens last - and continues until you return home or to your place of employment - whichever happens first. During this time, you are covered against all accidents 24 hours a day. Everyday travel to and from work and bona fide leave of absence or vacations are excluded. Benefits are payable in addition to any other insurance you may have. ACCIDENTAL DEATH, DISMEMBERMENT AND SPECIFIC LOSS INDEMNITY The loss or loss of use must occur within 365 days of the date of the accident. These benefits are payable on a lump sum basis and in addition to any other benefits you may receive. Life...$10, Both Hands or Both Feet or Entire Sight of Both Eyes...$25, One Hand and One Foot or One Hand and Entire Sight of One Eye...$25, One Foot and Entire Sight of One Eye or Speech and Hearing in both Ears...$25, One Arm or One Leg...$18, One Hand or Foot or Entire Sight of One Eye...$16, Speech or Hearing in both Ears...$12, Thumb and Index Finger of Either Hand...$ 6, Four Fingers of Either Hand...$ 3, Hearing in One Ear...$ 8, All Toes of One Foot...$ 4, Quadriplegia (total paralysis of all four limbs) or Paraplegia (total paralysis of the lower limbs)...$25, Hemiplegia (total paralysis of one side of the body)...$25, June of 3

17 Summary of Insurance Coverage for Members Repatriation Benefit ($10,000) If injury results in loss of life, the Company will pay the expense incurred for shipment of the body to the city of residence of the deceased. Family Transportation Benefit ($10,000) If injury results in confinement as an inpatient in a hospital, and such injury results in a loss being payable under the Accidental Death, Dismemberment and Specific Loss Indemnity, and the hospital is located at least 150 km from the insured s residence, the Company will pay the expenses actually incurred by a member of the immediate family for hotel accommodation and transportation by the most direct route to the confined insured. Rehabilitation Benefit ($15,000) If injury requires that the insured undergo special training in order to be qualified to engage in a special occupation in which the insured would not have engaged except for such injury, the Company will pay the reasonable and necessary expense incurred for such training. Provided such injury results in a loss payable under Accidental Death, Dismemberment and Specific Loss Indemnity. Home Alteration and Vehicle Modification Benefit ($15,000) If injury requires the use of a wheelchair to be ambulatory, the Company will pay the cost of alterations to the insured s principal residence and/or the cost of modification to one motor vehicle utilized by the insured. Provided such injury results in a loss payable under the Accidental Death, Dismemberment and Specific Loss Indemnity. Accidental Medical Reimbursement Benefit ($10,000) If injury requires medical treatment within 30 days, the Company will pay for reasonable and customary expenses actually incurred for the following: (a) expenses for the services of a nurse; (b) transportation by a licensed ambulance service or, when recommended by a physician, by any other conveyance licensed to carry passengers for hire to or from the nearest hospital which is equipped to provide the required treatment; (c) hospital charges for the difference between the public ward allowance under the provincial hospital plan and the semi-private accommodation charge (private accommodation charge if recommended by a physician); (d) rental of a wheelchair, iron lung and other durable equipment for therapeutic treatment, not to exceed the purchase price prevailing at the time rental became necessary; (e) fees for the services of a licensed physiotherapist or certified athletic sports therapist, when recommended by a physician, subject to a maximum reimbursement of $ during any one policy year; (f) drugs and medicines which require the written prescription of a physician and are dispensed by a registered pharmacist or physician; (g) miscellaneous expenses for hearing aids, crutches, splints, casts, trusses and braces, but not including replacement thereof; braces do not include dental braces and are subject to a maximum of $1, during any one policy year; (h) fees for the services of a licensed chiropractor, subject to a maximum reimbursement of $ during any one policy year. Accidental Dental Reimbursement Benefit ($1,000) If due to a force or blow external to the mouth results in an injury to whole or sound teeth (capped or crown teeth will be considered whole or sound) and treatment is required within 30 days, the Company will pay the treatment expenses actually incurred. June of 3

18 Summary of Insurance Coverage for Members Tutorial Expense ($2,000) If injury shall, within 30 days from the date of the accident, totally disable and confine the insured to his residence or hospital for a period in excess of 40 consecutive days, the Company will pay the expenses incurred from the first day the actual expense is incurred for such confinement for the tutorial services, at a rate not to exceed $20.00 per hour. When Does This Insurance Not Apply? - in case of suicide or any attempt thereat while sane or insane - intentionally self-inflicted injury - declared or undeclared war or any act thereof - full-time active service in the armed forces of any country - flying in any aircraft owned, operated or leased by - flying as a pilot or crew member of any aircraft the Policyholder - flying in any vehicle or device for aerial navigation except as provided in the policy. Nor does the policy cover expenses incurred: - for the purchase, repair or replacement of eyeglasses - for charges of masseur or contact lenses or prescriptions therefore - for x-rays, repairs or replacement of pre-existing - for sickness or disease, either as a cause or effect dentures, fillings or crowns, except as provided in the - by an Insured Person who is not covered under any Accidental Dental Reimbursement Benefit Federal or Provincial Hospital Plan. The policy is subject to and will not contravene any Federal or Provincial statutory requirement with respect to Hospital and/or Medical plans. Benefits will be reduced under the Accidental Medical Reimbursement Benefit and Accidental Dental Reimbursement Benefit parts of this policy by any amount paid or payable under any other policy providing similar reimbursement expenses. This summary is for information purposes only. For further details, refer to the Master Policy which is on file with the Policyholder. This group Master Policy sets forth in detail the terms and conditions of the Plan and all rights and obligations are determined in accordance with the Master Policy, not this summary. June of 3

19 Garanties D assurance 4-H Aperçu des garanties d assurance pour les members 5.4.5F LE CONSEIL ET LA FONDATION DES 4-H DU CANADA APERÇU DES GARANTIES D ASSURANCE POUR LES MEMBRES DE Le Conseil des 4-H de l'ontario Police n o établies par L Industrielle-Alliance Pacifique Compagnie d Assurance sur la Vie ASSURANCE CONTRE LES ACCIDENTS DE VOYAGE DE PARTICIPANT Tous les membres de Le Conseil et la Fondation des 4-H du Canada sont couverts en cas de blessure par suite d un accident s étant produit en assistant à une réunion normale, ou des fonctions organisées, supervisées ou approuvées par le Titualire de la police, ou en participant au Programme Canadien d'échange pour les membres des 4-H. L assurance prend effet au début de tout voyage dès que vous quittez votre lieu de résidence ou d emploi habituel pour aller assister à ces réunions normales, ces fonctions ou ces programmes selon ce qui se produit en dernier et se poursuit jusqu au retour à votre domicile ou à votre lieu de travail selon ce qui se produit en premier. Au cours de toute durée de voyage ainsi définie, vous êtes assuré en cas d accident, 24 heures sur 24. Les déplacements journaliers à destination et en provenance du lieu de travail ainsi que les congés ou les vacances véritables sont exclus de cette assurance. Les prestations sont exigibles en sus de celles de toute autre assurance dont vous pourriez bénéficier. DÉCÈS OU MUTILATION PAR ACCIDENT ET PERTES FONCTIONNELLES La «perte» ou «perte fonctionnelle» doit se produire dans les 365 jours suivant la date de l accident. Les prestations, versées sous forme de paiement unique, sont exigibles en sus de celles de toute autre assurance dont vous pourriez bénéficier. Pour la perte : de la vie... $10, des deux mains ou des deux pieds ou de la vue complète des deux yeux.... $25, d une main et d un pied ou d une main et de la vue complète d un œil $25, d un pied et de la vue complète d un œil ou de la parole et de l ouïe... $25, d un bras ou d une jambe... $18, d une main ou d un pied ou de la vue complète d un œil... $16, de la parole ou de l ouïe... $12, du pouce et de l index d une main... $ 6, de quatre doigts d une main... $ 3, de l ouïe d une oreille... $ 8, de tous les orteils d un pied... $ 4, Quadriplégie (paralysie complète des membres supérieurs et inférieurs) ou Paraplégie (paralysie complète des deux membres inférieurs)... $25, Hémiplégie (paralysie complète des membres, supérieur et inférieur, d un côté du corps)... $25, June of 3

20 Garanties D assurance 4-H Aperçu des garanties d assurance pour les members 5.4.5F Rapatriement d un défunt ( $) En cas de décès par suite d une blessure, la Compagnie assume les frais engagés pour l expédition de la dépouille à la ville où résidait la personne qui est décédée. Transport d un membre de la famille ( $) Si une personne assurée ayant subi une blessure ouvrant droit à des indemnités en vertu de la garantie Décès ou mutilation par accident et pertes fonctionnelles est hospitalisée à au moins 150 kilomètres de son lieu de résidence, la Compagnie assume les frais effectivement engagés pour l hébergement d un membre de la famille immédiate ainsi que pour son transport par le parcours le plus direct entre son domicile et le lieu d hospitalisation de la personne assurée. Réadaptation ( $) Si une personne assurée subit une blessure l obligeant à obtenir une formation spéciale pour devenir apte à exercer une profession particulière qu elle n aurait pas exercée n eut été cette blessure, la Compagnie assume les frais raisonnables et nécessaires engagés à cet égard, à condition qu il s agisse d une blessure ouvrant droit à des indemnités en vertu de la garantie Décès ou mutilation par accident et pertes fonctionnelles. Adaptation de domicile et de véhicule ( $) Si une personne assurée subit une blessure l obligeant à se déplacer en fauteuil roulant, la Compagnie assume les frais engagés pour des modifications à la résidence principale de l intéressé et/ou des modifications à un seul véhicule utilisé par cette personne, à condition qu il s agisse d une blessure ouvrant droit à des indemnités en vertu de la garantie Décès ou mutilation par accident et pertes fonctionnelles. Frais médicaux par suite d un accident (5 000 $) Si une personne assurée, par suite d une blessure et dans les 30 jours de la date de l accident qui en est la cause, a besoin de soins ou de traitements médicaux, la Compagnie assume les frais raisonnables et ordinaires effectivement engagés pour a) des services infirmiers; b) le transport par service ambulancier autorisé ou, sur recommandation d un médecin, par tout autre service autorisé à transporter des passagers, contre rémunération, à destination ou en provenance de l hôpital le plus près en mesure de fournir le traitement requis; c) la différence entre l indemnité pour hospitalisation en salle commune prévue par l assurance hospitalisation provinciale et le montant exigé pour une hospitalisation en chambre à deux lits (chambre privée, sur recommandation du médecin); d) la location d un fauteuil roulant, d un poumon d acier ou d autre matériel durable aux fins thérapeutiques, mais n excédant pas le prix d achat en vigueur lorsque la location s est avérée nécessaire; e) les services, sur recommandation d un médecin, d un physiothérapeute ou d un thérapeute en sport agréé ou autorisé, sous réserve d un remboursement maximum de 500 $ par année d assurance; f) des médicaments et des produits pharmaceutiques qu on ne peut obtenir que sur prescription par écrit d un médecin et qu auprès d un pharmacien agréé ou d un médecin; g) l obtention de prothèses auditives, béquilles, attelles, appareils plâtrés, bandages herniaires et appareils orthopédiques (à l exclusion des appareillages orthodontiques), leur remplacement n étant toutefois pas compris, sous réserve d un maximum de $ par année d assurance; h) les services d un chiropraticien autorisé, sous réserve d un remboursement maximum de 500 $ par année d assurance. Frais dentaires par suite d un accident (1 000 $ ) Si une personne assurée, par suite de dommages causés par un choc externe à des dents saines et intactes (y compris les dents avec coiffe ou couronne) doit être soignée dans les 30 jours de la date de l accident ayant causé ces dommages, la Compagnie assume les frais effectivement engagés à cet égard. June of 3