1. Community Guard Your non-profit organization makes a difference and we can help you protect it May, 2010

2. What is Community Guard… ► A package policy designed precisely for organizations such as the Canadian Association for Photographic Art ► Permits the streamlining of insurance needs for non-profits, limiting the number of policies in force

3. What’s covered? Commercial General Liability (CGL): Provides protection to your organization for claims that arise as a result of your negligence. Claims can be brought by volunteers, clients or the general public. The claims may be made as a result of Bodily Injury (BI) or Property Damage (PD)

4. Coverages (cont’d.) ►Commercial Property – to insure the property that your organization owns, leases or rents against damage. Depending on the type of policy, damage can either be caused by a specific list of perils (Named Perils form) or against All Risk (All Risk Form).

5. Coverages (cont’d.) ►Insurance Against Crime – can provide coverage for loss of money due to robbery on and off premises and break and enter, and/or coverage against fraudulent or dishonest acts of employees or signing officers ►Blanket Accident – limited coverage for accidental injury by a client or a volunteer where there is no negligence. A goodwill coverage

6. Coverages (cont’d.) ►Liability for Non-Owned Automobiles – coverage for policyholders to ensure that they are covered when they use their own vehicles to carry out duties for the organization, as a volunteer.

7. Coverages (cont’d.) ►Directors & Officers Liability – protects the directors and officers of the organization against claims made by others for a wrongful financial loss. This can be an employee claiming for financial loss due to wrongful dismissal, or a financial loss of another brought on by the advice or actions of the directors and officers.

8. Protecting you Organization Directors & Officers ►Insures intentional acts ►“Wrongful acts” causing financial loss ►Excludes Bodily Injury & Property Damage Commercial General Liability ►Insures unintended, unexpected events ►Includes Bodily Injury & Property Damage ►Excludes intentional acts