LIABILITY HIGHLIGHTS

• Professional Liability for Golf Instructors – covers bodily injury or property damage caused by rendering or failing to render professional services as a golf instructor.
• All golf professionals and staff including employees and volunteers are considered additional insureds.
• Liability Coverage Up to $100,000,000.00.
• Directors & Officers Coverage available on request.
• No sub-limit on Liquor Liability.
• Non-Owned Auto Liability included.
• Non Owned Auto Property Damage subject to $500.00 Deductible.
• Personal Injury Coverage Included.
• Intentional Injury to protect persons included.
• Cross Liability Clause included.
• Legal Liability for members & guests property not held for club storage.
• Legal Liability for members & guests property held for club storage.
• Voluntary Compensation Benefits.
• Forest Fire Fighting Expense.
• Limited Pollution.
• $1,000,000 Employers Liability Coverage included with CGL (Ontario).
• $1,000,000 Employee Benefits – aggregate/claims-made

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PROPERTY HIGHLIGHTS

SUMMARY OF COVERAGES	LIMIT OF INSURANCE
Peak Season Increase	25%, up to a maximum limit of $250,000
Exterior Signs (including Street Clocks, Communication Towers,Antennae and Satellite Receivers)	$50,000
Fire Department Service Charges	$50,000
Fire Equipment Recharge	$50,000
Valuable Papers and Records	$50,000
Accounts Receivable	$50,000
Fine Arts	$50,000
Professional Fees	$25,000
Debris Removal	25% of total amount payable
Money and Securities	$5,000
Arson Award	$10,000
Land/Water Pollution Clean-Up	$50,000 (aggregate)
Lock and Key Replacement	$50,000
Exhibition Floater	$50,000
Personal Property of Officers and Employees	$10,000 any one officer or employee to an aggregate limit of $25,000
Temporary Locations	$50,000
Newly Acquired Locations	$1,000,000 for Buildings $250,000 for Equipment and Stock
Parcel Post	$5,000
Other Transit	$25,000
Property in the Care of a Sales Representative	$10,000
Sales Samples	$25,000
Consequential Loss Assumption Clause / Stock Spoilage	$50,000
Inflation Protection	Included
Blanket Glass	Included – $500 deductible
Removal of Contents	Included
Building By-laws	15% max of Building Value
Installation Floater	$10,000
Roadways, Walkways, Parking Lots	$50,000
Growing Plants, Trees, Shrubs or Flowers	Included
Catch All Clause	$25,000
Building damage by theft	$3,000
Rented Golf Carts a/o Greenskeeping Equipment	$100,000/occ s/t 30 consec days
Expediting Expenses	$25,000
Proof of Loss Preparation Costs	$10,000
Off premises power extension to business interruption	$25,000 (24 hr waiting period)
Building Damage caused by Theft a/o Burglary	$10,000
Tool Floater	$1,000/tool s/t $25,000 ag
Waste Removal	$50,000
Brand and Labels	$25,000

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Claims Information

SRIM prides itself on having been recognized as a firm with top quality claims services. We are not afraid to utilize the services of Independent Adjusters. We work directly with the insureds to resolve outstanding claims issues fast.

SRIM maintains “inhouse” claims authority that is sufficient to resolve over 95% of all outstanding claims. The claims authority allows us to issue settlement cheques within 24 hours of resolving the claim.

SRIM allows adjusters to report electronically to “speed” up the claims process and assist in claims resolved “fast”.

We allow the adjusters to negotiate “FAIR” labour rates with Insured when the Insured does clean up and repairs.

We have long standing relationships with Vendors which assists in quick resolution of claims.