Federation of Calgary Communities
Since 2007, The Federation of Calgary Communities Insurance program, has continually been broadened by Toole Peet Insurance to ensure that the unique risks associated with community based organizations continue to be protected at levels far greater than what’s available in the standard market place. The program offers a complete commercial insurance policy package where all elements of risk have been considered. With a large membership base and prudent risk management activities, we are able to negotiate the best terms and coverages available for all members of the program. Click Program features to find out more about how the Toole Peet Insurance program protects your community association.
Part of the Customer service for the program is offering a convenient way of doing business. Each year we try to add services to this page to allow members of the FCC to manage their insurance. We also hope to include risk management and community safety measures to this page to help communities protect their members.
Toole Peet Team
While we offer many services online, we know that most times it is best to speak with a person. Whether you prefer to do business on-line, over the phone or by email the same team dedicated to the Federation of Calgary Communities program is available to answer any questions you may have and provide an unparalleled level of customer service.
Online Service Requests
Certificates of Insurance
The City of Calgary is added as an Additional Insurance to all of the program policies. We issue a generic certificate of insurance for the city each year, but if you require one for a special event you may request it here.
Use the Email Contact or Phone above, orto get a head start click, submit your claim to get started with the details of your claim. A member of the service team will contact you within 24hrs during regular business hours. You may also call our 24 hr claims line at 403.245.1177
Hall Rental Information
Event Liability Application
Toole Peet Insurance has partnered up with an Insurer to obtain great rates on event Liability. Complete one of the applications below to get Started. If your group is renting a Lawn Bowling Facility use the specific application below.
Risk Management Resources
As your commercial insurance broker we are here to help manage your risk. We have added a selection of risk management tools to help manage risk for the types of claims that happen for community associations. We are available to help implement techniques to help manage your risk and prevent claims from happening in the first place. This is only a small selection of items that we have available to our business clients. To request a resource that you do not see please click contact us so we can work on getting what you need to help manage your risk.
Features of the Program
Unique features and benefits available under the program are outlined here, however policy holders should review their policy documents for complete details.
Property of every description including newly acquired Property, property of others and property in transit
“All risks / Broad Form” policy subject to minimum exclusions.
Standard $1,000 deductible
Features included (but not limited to):
Agreed limits with no co-insurance penalties
Definition of location to amended to mean “anywhere in the community”
Building ordinance and bylaws
Extra Expense of $50,000
Growing plants, tress, shrubs or flower in the open of $10,000
Personal property of employees/officers of $2,500 ($25,000 total per occurrence)
Miscellaneous off-site property of $100,000
A long list of additional benefits as outlined in the coverage summary
Loss of Revenue
Available, if purchased, to cover a normal expected loss of income and continuing expenses at your premises as a result of a covered loss (fire, water damage etc.)
At an off premises location: As a result of physical loss or damage to their property, your resulting loss of revenue ( up to standard $25,000 coverage)
Employee/Volunteer Dishonesty – limit recently increased to a minimum limit of $50,000
Loss of money or securities from a covered cause of loss inside/outside the premises and at banking premises
Commercial General Liability
This coverage protects your association/society for its financial responsibility under Common Law and Statutory Law for injury or death of one or more
people, and for damage to property of others.
Features include (but not limited to):
Defense costs (both for legitimate as well non-legitimate accusations made against you)
Available at all your premises as well as off premise
All operations or your organization
Employees & volunteers actions are covered
No participants exclusion (those involved in a sporting activity)
Liquor liability included
Non-owned automobile coverage
Tenants Legal Liability for protection to locations not insured / owned by others
Protection for claims made against the Association by employees and/or volunteers for injuries arsing out of their duties
Directors and Officers Liability
As a director or officer of a non-profit organization, you may be held personally liable for things such as employee discrimination, wrongful dismissal, breach of fiduciary duties, mismanagement of funds as well as the enforcement of association regulations and bylaws.
It has been traditionally believed that the Directors and Officers of non-profit organizations have little liability exposure for their activities or for
the decisions made on behalf of the organization. This is not the case, as evidenced by the increasing numbers of legal actions being brought
against directors and officers of non-profit organizations.
This coverage will pay for those covered losses where one or all of your Directors or Officers become legally obligated to pay as a result of any
error, breach of duty, neglect, omission or other act done or wrongfully attempted by them on behalf of your association.
The current version of the policy has the added benefit of having defense costs in addition to the limit of protection. This ensures that the level of protection isn’t eroded by the costs associated with defending the suit.
If purchased, adds coverage that is excluded from most property policies for loss arising from the sudden and accidental breakdown of insured equipment
“Functional” replacement cost applies
Includes spoilage up to $25,000
Increased sub-limits for water escape, hazardous substances and ammonia contamination of $500,000 each as a result of an insured claim
Extension for Extra expenses for $100,000
Business Interruption extension (if the business interruption coverage was purchased as noted above)
Subject to a deductible of $1000
Accident and Sickness
If purchased personal accident coverage is available to all members of your Association in the event of an accident while participating in sanctioned activities.
Coverage under this program is intended to be “top-up” coverage over and above Alberta Health Care or private health care plans (such as an employee benefits plan)
Coverage will include travelling directly to or from the approved activity with other insured members as a group (2 or more insured members together).
Principal Sum = $15,000.00
Coverage, at various limits, are available for items such as (but not limited to):
Loss of life
Loss or use of hands and/or feet
Weekly income (maximum benefit and conditions apply)
Medical Expense reimbursement (subject benefit of $15,000)
Accidental Dental ($5,000.00 is available for injury to whole and sound teeth –$2,000.00 maximum for any contact sports)
Fracture Benefits to $1,000