Through SaskCulture’s partnership with Henderson Insurance, member groups can benefit from reduced liability insurance.
The coverage features are robust and competitive compared to insurance that is available to outside of the program. This program is available to eligible provincial cultural organizations only.
Commercial General Liability (CGL)
CGL is designed to defend and indemnify the insured against an allegation from that the insured caused a third-party property damage or a bodily injury to a third party.
The only way to effectively protect the assets of your business is to carry adequate Commercial General Liability (CGL) Insurance coverage. CGL protects your business from damages caused by bodily injury or property damage for which your business is found to be legally liable.
Typical CGL policy provides coverage for claims of bodily injury or other physical injury, personal injury (libel or slander), advertising injury and property damage as a result of your products, premises or operations, and can be offered as a package policy with other coverages such as Property, Crime, etc.
Experience the Benefits
- Competitive pricing
- Superior Service
- $2M or $5M liability limit options available
- Broad liability coverage (includes third party participants coverage)
- First party accident ceverage for participants and volunteers
- $100,000 in difelity bonding (Employee Dishonesty Coverage)
- Cyber Liability included ($250,000)
How Much Coverage Does Your Business Need?
Perceived Risk
Consider the amount of risk associated with your business operations and functions. For instance, if you manufacture heavy machinery, you would generally need more coverage than another organization who manufactures stuffed animals.
Premises and Operations Liability
If you operate in a province or area that has a reputation for rewarding high damages, you may wish to purchase higher limits of liability.
Type of Product Manufactured or Sold
If you manufacture or sell products, you may want to carry higher limits of liability.
Coverage Overview
Premises & Operations
Protects the insured against claims arising out of the liability imposed by law for bodily injury or property damage to a third party arising out of the insured’s premises and operations i.e. unsafe facilities, unqualified or improper supervision.
Contractual Liability
Covers liability expressly assumed under a written contract or agreement. This is not to be taken to include liability under a warranty of the fitness or quality of the named insured product or a warranty that was preformed by or on behalf of the insured will be done in a worker like manner. i.e. you rent a photocopier and by written agreement assume the liability as if you were the owner of the copier.
Products & Completed Operations
Provides liability for bodily injury and property damage arising out of products sold or distributed by or work completed by the insured i.e. Operations of a concession stand resulting in food poisoning.
Personal Injury
Extends the basic coverage to include such injuries as false arrest, detention, or imprisonment, liable, slander and defamation or violation or right of privacy. Contingent Employers – Protects against injury sustained by an employee who is normally subject to workmen’s compensation and where protection is denied under the act.
Additional Coverage
- Establish a high standard for product quality control at your organization.
- Keep all company records up to date and accurate.
- Train your employees thoroughly and properly.
- Ask Henderson Insurance Inc. for safety and compliance information.
Apply/Renew Now
Please contact us today to learn more about our risk management and insurance solutions.