Instructor Liabilty Policy - Coverage territory

Let's clear up any confusion about the coverage territory that applies to the Sail Canada Instructor Liability policy.

This policy protects instructors and coaches against claims for property damage or injury involving third parties.  To be eligible for this coverage you must be registered with Sail Canada.    The coverage territory is Canada, The United States, their territories and possessions.  This meets the needs of the  majority of  Sail Canada's  instructors and coaches. 

There are a few instructors who teach outside the coverage territory and for these  individuals the policy provides limited worldwide coverage.     This covers insured individuals while they re teaching outside  the coverage territory but only for lawsuits that are initiated in Canada or the US.   An instructor in the BVI's who is sued in the BVI's would not have any coverage under this policy.

There are a few conditions that apply to the limited worldwide coverage that are very important:

1. The instructor/ coach must have their home in the coverage territory
2. They must only be away from the country for a short period
3. The claim or action must be brought in Canada or the United States

Instructors teaching students outside Canada should consider purchasing their own liability insurance with full worldwide coverage.   This would protect them against lawsuits brought anywhere in the world. 

For more information about the Instructor liability policy visit our website www.skippersplan.com/Instructor_Liability.html