Frank Cowan Company Limited 75 Main Street North, Princeton, ON N0J 1V0 Phone: 519-458-4331 Fax: 519-458-4366 Toll Free: 1-800-265-4000 www.frankcowan.com SPECIALTY PROGRAMS AND ASSOCIATION GENERAL APPLICATION GENERAL INFORMATION Legal Name of Applicant Mailing Address Postal Code Phone Fax Email Website Brokerage Name Brokerage Address Postal Code Phone Email APPLICANT’S OPERATIONS (Give full description including: activities, programs, events, U.S. or international exposures) OPERATIONS INFORMATION How long has the Applicant been in operation? This Applicant is classified as For Profit Not-For-Profit This Applicant is Sole Proprietor Partnership Corporation Unincorporated (Other) Date of incorporation INSURANCE HISTORY Current Insurer Expiring Premium Expiry Date Target Premium Is the current insurer offering renewal terms? YES NO Are there any coverage restrictions being imposed by the present insurer? LOSS/CLAIMS INFORMATION Please describe any allegations; claims; or losses (including those relating to Abuse or Professional Negligence) in the past 5 years including those without payment Year Type of Claim Amount Paid Are you currently aware of any circumstances which may reasonably be expected to give rise to a claim that would be covered under any section of our policy? Reserve for Unpaid Claim YES NO Note that failure to provide information about any such circumstance may void coverage. If "Yes", provide details. FCCL – SPA – CLA – 06/15 1 Name of the Regulatory body or legislation which oversees the Applicant’s Operation List all Associations the entity belongs to Does the Insured have any subsidiary or affiliated entities? YES NO If "Yes", please provide details LIABILITY COVERAGES (OCCURRENCE FORM) Liability Limit Requested $ Tenant’s Legal Liability Limit Requested $ Non-Owned Auto Limit Requested $ Deductible Requested $ LIABILITY INFORMATION Number of employees: Full Time Part Time Number of volunteers If An Association - Number of members Annual Payroll (Including Benefits) Is Insured covered under Provincial Workman's Compensation Plan? Annual Revenue YES NO Identify and provide numbers of Professional Employees by category, and indicate whether they are full-time or part-time (ie: Nurses, Social Workers, Counsellors, Child and Youth Workers etc.) Category # of Full-Time # of Part-Time Describe all Fundraising events and show applicable receipts including liquor receipts where Insured holds Liquor License Are any of the facilities rented to third parties? If "Yes", do you get proof of Insurance? Do Any Non-Medical Staff Administer Medication? If "Yes", please describe YES YES YES NO NO NO ABUSE Is Abuse Liability Required? Current Abuse coverage is Occurrence YES NO YES NO Claims Made If Claims Made, what is the retroactive date required? Abuse Liability Limit Requested $ Are police records checked on all prospective employees and volunteers at least once every 3 years? Please Note: Receipt and approval of an acceptable Abuse Protocol is required prior to binding. FCCL – SPA – CLA – 06/15 2 Frank Cowan Company ERRORS & OMISSIONS LIABILITY – Claims Made Form Is Errors & Omissions coverage required? Limit Requested $ YES NO Retro-active Date: DIRECTORS' & OFFICERS' Is coverage required? YES NO # of Board Members Annual Budget $ FINANCIAL INFORMATION This financial information must be furnished with respect to each Entity and each Benefit Program to be named in Item 1 of the policy DECLARATIONS. For the most recent fiscal year-end provide the following consolidated financial information: a) Total Assets: $ b) Total Liabilities: $ c) Total Revenues: $ d) Net Income: $ For the current fiscal year, please indicate: i) Estimated Revenue ii) Estimated surplus/deficit Binding subject to completed Not for Profit Directors' & Officers' Liability Application CRIME COVERAGES Is this coverage required? YES Employee Dishonesty Form A, Commercial Blanket Bond Limit $ Number of employees that handle Money-Securities etc. (Class A): Computer & Transfer Fraud Limit: $ Credit Card Forgery Limit: $ NO Broad Form Money & Securities – Loss Inside/Outside Premises Limit: All Other employees: $ Limits Over $ 100,000. Require Completion of Crime Supplement LEGAL EXPENSE COVERAGE Legal Defence Costs Limit Required $ Additional Information: Provide full details of any lawsuits in the past five (5) years with respect to any Board Member, Director, Officer, Employee, Volunteer or Manager. CYBER RISK INSURANCE Is this coverage required? YES NO YES NO If "Yes", complete Cyber Risk Insurance Short Form Application ENVIRONMENTAL LIABILITY Is coverage required? Please fully describe exposure Additional Supplements may be required. BOARD MEMBER ACCIDENT Is coverage required? YES NO Limit Requested $ Number of Board Members FCCL – SPA – CLA – 06/15 3 Frank Cowan Company PROPERTY COVERAGES Note: Provide FULL REPLACEMENT COST VALUES ON A PER LOCATION BASIS as our program does not have co-insurance clauses or stated amount clauses Note: A SITE PLAN including distances, is required for all buildings or locations situated within 150 feet of each other Please complete Additional Property Supplemental Forms for Additional Locations – Available on our Website Location address Building Construction – Please indicate percentage for each type of construction Fire Resistive (Concrete Walls; Roof; Floors) % Masonry Non-Combustible (Masonry walls; steel deck roof; concrete floors) % Non-combustible (steel on steel) % Masonry (Masonry walls; wood floors; wood roof) % All other (including Brick Veneer and Frame) % Occupancy by Insured Occupied by Others as Year Built Year Updated: Plumbing Heating Number of stories Total area of building (including basement) Wiring Roof Is the building 100% sprinklered and centrally monitored? YES NO Is the building 100% alarmed and centrally monitored? YES NO YES NO What type of alarm? Smoke Heat Intrusion Distance to Fire Hydrant Heating System Distance to Fire Hall Forced Air Hot Water Steam Gas Electric Oil Fuel Type Wood Describe secondary heating system (if applicable) Asbestos: The following questions are applicable to all buildings built prior to 1980 Do any of the buildings that you own contain asbestos or asbestos products? If "Yes"- Please provide full details as to whether or not buildings have been surveyed for both friable and non-friable asbestos materials indicating the building, location, date surveyed and completed findings. If "No"- has this been confirmed by a building survey? Deductible requested NO $ Building Limit Building is YES $ Owned If more than one building, provide PER building Leased If leased, a copy of the lease agreement is required Tenants Improvements Limit $ Outdoor Equipment (including playground, fencing and signs) Limit $ Contents (including equipment and furniture) Limit $ Extra Expense Limit $ Additional coverages required (e.g. Flood, Earthquake, Fine Arts, etc.) Are there additional buildings or locations? YES NO YES NO Have you included all location and values that are owned, leased, rented or under the control of the Insured? If "No", please explain FCCL – SPA – CLA – 06/15 4 Frank Cowan Company DATA PROCESSING INSURANCE (Per Location) Equipment/Hardware Limit $ Laptops $ Media Limit $ Extra Expense $ BUSINESS INTERRUPTION COVERAGES Form Requested Limit Requested $ WORKPLACE DISRUPTION COVERAGE requested? Limit Requested YES NO YES NO YES NO $ Number of Locations owned and/or occupied by the Insured: If "Yes", has any location ever been closed for infectious disease, contagion, food poisoning or vermin infestation in the past 5 years? If "Yes", please provide details CRISIS MANAGEMENT COVERAGE requested? Limit Requested $ Please confirm in the past year the Named Insured (or any of their directors or officers) in relation to the Named Insured’s operations has not: Defaulted on any debt obligation; Filed for bankruptcy reorganization under the bankruptcy and Insolvency Act of Canada; Been criminally charged under the Criminal Code of Canada; Had allegations with respect to bodily injury or death to or sexually abused any person in the performance of his or her duties; Experienced a withdrawal or demand for return of any grant, contribution or bequest in excess of one hundred thousand dollars ($100,000); Had commencement of or threat of litigation or other proceedings by any governmental or regulatory agency; If "Yes", please explain EQUIPMENT BREAKDOWN INSURANCE Is cover required? Please confirm Replacement Value of all Electronic Equipment YES NO $ If any single piece of equipment over $ 100,000., please describe. Contact Name and Phone Number if different from page 1 Name Phone Number Any additional comments or coverages required The Applicant acknowledges that the information contained herein and in any supplemental applications or forms required is true, accurate and complete, and that no material facts have been supressed or misstated. The Applicant acknowledges a continuing obligation to report to the Insurer as soon as practicable any material changes in all such information, after signing the application and acknowledges that the Insurer shall have the right to withdraw or modify any outstanding quotations and/or agreement to bind the insurance based upon such changes. If a policy is issued, the insurer will have relied upon, as representations, this application, any supplemental applications, and any other statements furnished to the Insurer in conjunction with the risk to be insured. The undersigned, on behalf of the insured organization, acknowledges that any personal information provided in connection with this application (including but not limited to the information contained in this form) has been collected in accordance with applicable privacy legislation and this information shall only be used or shared by the Company to assess, underwrite and price insurance products and related services, administer and service insurance policies, evaluate and investigate claims, detect and prevent fraud, analyze and audit business results and/or comply with regulatory or legal requirements. Date Title/Position Signature FCCL – SPA – CLA – 06/15 5 Frank Cowan Company COMMUNITY LIVING SUPPLEMENTAL FORM List all Associations the Applicant belongs to and criteria for membership. Has membership or registration ever been suspended, withdrawn, amended, declined or had conditions attached? If yes, please explain. YES NO Has the Applicant ever been declined, non-renewed or cancelled by any insurer? YES NO If yes, please explain. Current Liability coverage is: Occurrence Current Liability Insurer: Expiry Date: Current Professional/Malpractice coverage is: Current Professional/Malpractice Insurer: Expiry Date: If Claims-Made indicate Retro Active Date Required: Claims-Made Expiring Premium: $ Occurrence Expiring Premium: Claims-Made $ Number of Residents in Group Homes Number of Supported Independent Living Residents Are all professionals licensed/certified to practice in the province? YES NO Do all qualified medical staff, including any interns, residents and fellows have CMPA coverage? YES NO If yes, do you obtain proof of CMPA coverage? YES NO Do any professional staff have liability/professional insurance coverage elsewhere? If yes, please explain. YES NO Does the applicant comply with all provincial guidelines with respect to: Needle stick injuries Safe handling, collection & disposal of dressings, waste, blood/blood products and sharps Patient lifting/moving Infectious disease prevention & control If no, please explain. YES NO Is Associate Family Homes cover required? If yes, please describe fully and attach copy of Agreement. YES NO If no, please explain How are qualifications of professional staff checked? If no, please describe alternative insurance arrangements and for whom those arrangements apply. FCCL – SPA – CLA – 06/15 6 Frank Cowan Company