 |
 | | Summary
of Benefits |  | Comprehensive Protection |
| Industry Awareness | | Reliability |
|  | Master
Liability Insurance
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The
liability policy held by the CPGA for its members is "A
Core Benefit".
All members and apprentices (except for non-resident members and
apprentices) regardless of age or category are covered according to the
terms and the limitations of the By-Laws and the master policy.
The policy covers the individual activities, as defined by
the CPGA by-laws, normal or usual to a golf professional and a golf
association. There are a number of important limitations and exclusions
of which each member should be aware. These are described in the
following summary and may be modified from time to time and each member
will be advised accordingly.
Also included with this section is a Liability Certificate.
This certificate (or a photocopy which you make) will serve as evidence
of coverage to any interested party such as: the Board of Directors of
your club, bank manager, cart lienholders or lessors, Provincial or
Municipal authorities, etc.
Liability Insurance
"What is liability insurance?"
Every person (a person can be an individual or a corporation)
is responsible for his or her actions. If they are "negligent" in any
way and their actions cause injury or damage, they are said to be
"liable" to the injured party and must make good the damage or provide
restitution. Restitution usually means paying an amount of money
determined by mutual agreement, or by the courts if agreement cannot be
reached. Since the money can often be for large amounts, it is
necessary to purchase protection from an insurance company. This form
of coverage is called liability insurance.
"What is covered by the CPGA's master
policies?"
The master policies cover any of the activities and
operations normal to a golf professional. The Liability Certificate
details in broad terms the extent of the coverage. So long as your
activities conform to what is normally expected of a golf professional
AND they conform to the CPGA's By-Laws, you are covered.
"I have formed a personal company to handle
my affairs or operate my pro-shop.
Am I still covered?"
Yes. Provided the company you formed (or its employees) don't
engage in any activities which are not normal or usual to those of a
golf professional, the coverage still applies? CPGA Professionals
(and/or their spouses) must be the two-thirds majority owners of this
company.
"What is the limit of coverage?"
The CPGA policy is called Comprehensive General Liability and
covers for a limit of $5,000,000.
"If all my usual operations are covered by
the policy, what are some of
the things which are not covered?"
There are nine main types of operations which are NOT
covered by the master policy. They are:
"I have one or
more
of the above types of operations. What do I do now?"
If you have operations not covered by the CPGA's master
policies, you must arrange and pay for a separate policy. You can
obtain this by contacting your own broker or us, the CPGA's brokers
(Simmlands Insurance Brokers Ltd.) who have experience in dealing with
any special cases.
"I am still confused. How can I get
additional information?"
An excellent text on sports liability in general is Sports
and Recreation Liability and You by Brian W. Robertson and Brenda J.
Robertson. Published by Self Counsel Press, this book is available in
many book and stationery stores in Canada.
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