exclusive Liability Insurance for adr members

July 1, 2009 to July 1, 2010

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, 2009 is Market Form, an underwriter at Lloyds 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 2009 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
$138 annual cost	$183 annual cost	$228 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
$0 deductible	$0 deductible	$0 deductible
$147 annual cost	$192 annual cost	$241 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

$1,000,000 per occurrence

$1,000,000 aggregate limit

$500 deductible

$2,000,000 per occurrence

$4,000,000 aggregate limit

$500 deductible

$3,000,000 per occurrence

$3,000,000 aggregate limit

$500 deductible

$138 annual cost

$183 annual cost

$228 annual cost

Download an application for coverage

For further information call:

Adèle E. Laurin, RIBO | Insurance Assistant
Marsh Canada Ltd.
600-1565 Carling Avenue
Ottawa, ON K1Z 8R1
Tel: 613.725.5135 | 1-888-725-5137 | Fax: 613.725.1108
adele.e.laurin@marsh.com

EXEMPTION FROM INSURANCE

As part of the requirements for the chartering designations, chartered members are required 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.

(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.

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.