exclusive Liability Insurance for members OF adr INSTITUTE

July 1, 2011 to July 1, 2012

We are pleased to announce that Marsh Canada Limited continues to be your appointed broker for the ADR Liability Insurance Program. The ADR Institute of Canada and Marsh have been working closely together to develop what can only be described as a new and improved insurance product for ADR members. As such, the insurance provider, effective July 1, 2011 continues to be Market Form, an underwriter at Lloyd’s of London.

PROFESSIONAL LIABILITY

Professional Liability insurance covers liability for damages arising from the rendering of or failure to render Alternative Dispute Resolution services.

To see the Marsh, ADR Canada 2011 Insurance Brochure, click here.

OPTION 1	OPTION 2	OPTION 3
$1,000,000 per claim limit	$2,000,000 per claim limit	$3,000,000 per claim limit
$2,000,000 aggregate limit	$4,000,000 aggregate limit	$6,000,000 aggregate limit
$1,000 deductible	$1,000 deductible	$1,000 deductible
$136 annual cost	$190 annual cost	$244 annual cost
or	or	or
$1,000,000 per claim limit	$2,000,000 per claim limit	$3,000,000 per claim limit
$2,000,000 aggregate limit	$4,000,000 aggregate limit	$6,000,000 aggregate limit
$500 deductible	$500 deductible	$500 deductible
$146 annual cost	$200 annual cost	$259 annual cost

Also included in any of the options listed above are the following extensions of coverage:

COVERAGE	DEFINITION	SUB-LIMITS
Legal Expense Reimbursement	Offers reimbursement of legal expenses if a complaint is made against you and you are required to defend yourself in front of a disciplinary committee.	$25,000 per claim
Criminal Reimbursement	Provides reimbursement for legal expenses incurred if you are brought into a suit for a criminal offense and were found not guilty.	Actual Cost Incurred

COMMERCIAL GENERAL LIABILITY

If you wish to complement your Professional Liability Insurance Policy with Commercial General Liability please see below. This covers liability for property damage and/or bodily injury arising out of your business operations.

Option 1

Option 2

Option 3

Option 4

Option 5

Limits:

$1,000,000 per claim

$1,000,000 per aggregate

$500,000 Tenants Legal Liability

$1,000,000 Standard Non-Owned Auto

Deductible -$500

$178.00 Annual Cost

Limits:

$2,000,000 per claim

$2,000,000 per aggregate

$500,000 Tenants Legal Liability

$1,000,000 Standard Non-Owned Auto

Deductible -$500

$223.00 Annual Cost

Limits:

$3,000,000 per claim

$3,000,000 per aggregate

$500,000 Tenants Legal Liability

$1,000,000 Standard Non-Owned Auto

Deductible -$500

$267.00 Annual Cost

Limits:

$2,000,000 per claim

$2,000,000 per aggregate

$1,000,000 Tenants Legal Liability

$2,000,000 Standard Non-Owned Auto

Deductible -$500

$267.00 Annual Cost

Limits:

$3,000,000 per claim

$3,000,000 per aggregate

$1,000,000 Tenants Legal Liability

$2,000,000 Standard Non-Owned Auto

Deductible -$500

$321.00 Annual Cost

Download an application for coverage

EXEMPTION FROM INSURANCE
As part of the requirements for the chartering designations, chartered members are required annually to provide proof of insurance in the amount of $1,000,000 per claim.
Please note that you are NOT required to provide proof of insurance if you are:

(a) conducting mediations or arbitrations for an organization that is your employer, or

(b) retired and not conducting any mediations or arbitrations.
To claim an exemption, please click here, complete the form and fax to the ADR Institute of Canada at 416-487-4429 or scan and email to admin@adrcanada.ca.
(c) If you are a member of a Law Society

Most Law Societies have indicated that the member should ask the Law Society to forward proof of coverage to the Institute and the Law Society will do so at no charge. For information about your provincial requirements please see the table below which we understand reflects the present status and forward the appropriate documentation to us.

		Proof Required
Province	Covers ADR?	Certificate of Insurance	Other
Alberta	Yes	Yes
British Columbia	Yes	Yes
Manitoba	Yes	Yes
New Brunswick	Yes	Yes
Newfoundland/Labrador	Yes		Proof of being “practicing insured member”
Nova Scotia	Yes	Yes
Ontario	Yes		Declaration Page
PEI	Yes	Yes
Québec	Yes	Yes
Saskatchewan	Yes	Yes

(d) Professional Association Insurance Coverage
If you are a member of a professional organization you cannot assume that the insurance the organization has covers you as an ADR practitioner. In these situations we would ask that you provide us with the specific clause indicating that you are so covered. Your insurer can assist you in locating the appropriate wording in your insurance coverage.

For further information, contact:

Janet Lobo, Assistant Vice President Email: Janet.lobo@marsh.com

Tammy Kimmell, Insurance Assistant Email: tammy.kimmell@marsh.com

Marsh Canada Ltd.
70 University Avenue
Toronto, ON M5J 2M4
Tel: 416-349-3596 | 1-888-711-9010 | Fax: 416.349.4788

Tail Coverage

In the first year following retirement, your premium will be 75% of your last premium paid. Any following year, it is 50%.

This insurance covers you for claims made against you after you have stopped practising. For more information please click here.