Many years ago the CCA recognized that many of our camps had a variety of insurance policies which mostly did not properly or adequately cover camp situations and only a very few camps had a policy specifically providing camp coverages. To provide a service to our members and correct what could be a disastrous situation, the CCA established the Insurance Committee made up of experienced camp owners with an interest in proper camp insurance coverage.
The committee was tasked with creating a policy written to be specific to the needs of our camps, would ensure that all accredited Canadian camps could participate and that unless there were extenuating circumstances, no accredited camp would lose coverage because of its claims history. The Insurance Committee responded to this task and since the inception of the Program has monitored and worked closely with our brokers to determine the placement of the policy with quality underwriters and at the best rates.
The Insurance Committee would like Canadian camps to be aware of the many benefits that this program has to offer.
Benefits to CCA/ACC Camps currently:
1. Our Broker, Nancy Brown, in association with Firstbrook Cassie and Anderson:
2. David McKeon is the primary adjuster to the CCA program. Dave has been the adjuster who has dealt with almost every claim in the past 15 years or so made by the camps in this program. He is fully knowledgeable about the business of camps and has made the resolution of claims fast, efficient and fair.
3. All claims made under this program have been settled or are currently in the process of being settled.
4. Not one accredited camp has been refused coverage in the program. However some activities not normally accredited can be subject to more aggressive underwriting.
5. This program has allowed us to have a history that gives insurance companies comfort in dealing with us.
6. We have the broadest coverage available to camps and because of our excellent history we have realistic and acceptable rates.
7. We provide coverage for camp properties for periods of the year when they are unoccupied (including snow load) not normally provided under business policies.
8. Our Policies are truly camp specific. They also help owners and operators of camps to review their risk management procedures and limit their exposures.
9. The Insurance Committee has on several occasions employed on behalf of CCA an independent insurance consultant to vet both our liability and property coverages and to offer suggestions or improvements to the policies. The Committee is then a major part of the discussion on how to keep our policies current.
At a recent meeting in Edmonton, the CCA Board moved to financially support Ontario’s initiative to lobby the federal government on current and future Transport Canada Regulations, which are having and will have a serious, negative impact on many Canadian camps. The Ontario Camps Association hired Global Public Affairs Inc. to schedule meetings on April 22, 2013 of three OCA representatives with MP David Tilson; MP Larry Miller, Chair of the House Transport Committee; the Political Staff in the Ministry of Transport and the Chief of Staff to the Minister of Small Business and Tourism.
The federal legislation applies to all camps that use motorized boats over 9.9 HP for any reason but it is particularly demanding for camps that are accessed by water or regularly transport more than 6 passengers.
Current legislation requires the registration of every motorized vessel over 9.9 HP as a Small Commercial Vessel (SCV). The onerous registration paperwork can take up to six months. Registered boats require specific equipment (flares, lifejackets (as opposed to PFDs), communication devices etc).
Small Vessel Operator Proficiency (SVOP) and Small Non-Pleasure Vessel Basic Safety (MED A3) are now required for operators carrying more than six passengers or operators of workboats greater than 8 metres in length. These qualifications require several days to complete at a cost per individual of between $500 and $1000.
By 2014, Small Vessel Marine Insurance is anticipated at a rate of $250,000 liability insurance per seat for each motorized passenger-carrying vessel. This coverage is separate and distinct from other general liability insurance. Nancy Brown, broker for the CCA Insurance Progam, is working with the OCA representatives on this aspect of the anticipated legislation.
There is mounting evidence that government legislation has been and will continue to be a grave concern for camp operators. CCA, recognizing the need and advantages of being proactive, has added lobbying to the top of the agenda for the National Leadership Forum (NLF) this November. At the NLF, the CCA Board, Provincial Presidents and Executive Directors will consider the viability of retaining a lobbyist to keep camp leaders aware of pending legislation that will affect the camping industry. A national committee dedicated to monitoring legislation with input from a professional lobbyist would enable us to be proactive.
Today we are doing our best to react to Transport Canada regulations. Camp owners in Ontario have made individual contributions to add to the financial commitment from OCA and CCA. The initial costs are estimated between forty and sixty thousand dollars. Financial support from any camp across the country directed to the OCA Executive Director, Heather Heagle, would be most welcomed.
This is a national issue. We need to know what camps in what provinces are being affected negatively by the Transport Canada Commercial boating regulations. We would like to hear your stories. How are the regulations affecting you now? What has been your experience with Transport Canada or other enforcement officers? How will the regulations affect you? Please contact Mark Diamond (firstname.lastname@example.org) with your stories.