New insurance policy clears up ‘difficulties and frustrations’ for RDCK staff

·2 min read

Difficulties and frustrations have arisen for regional district staff in the last year when user groups acquire insurance from outside providers for non-contact sports.

A report from Tia Wayling, regional programming supervisor in Community Development for the Regional District of Central Kootenay (RDCK), to the board of directors said other insurance providers view non-contact sports as medium risk and “therefore are not issuing the correct risk level of insurance that the RDCK policy indicates,” because of the intended non-contact activity.

“This creates confusion and extra administrative time which ultimately ends in a negative customer service experience,” noted Wayling in her report.

As a result, medium risk user groups of regional district facilities will be paying less for insurance this year, after the board approved a new policy. All high risk activities would have to use an external provider.

The Municipal Insurance Agency of BC (MIABC) is the RDCK’s liability insurance provider and is partnered with Shephard Ashmore Insurance (SAIS) to provide local government facilities insurance options for their user groups and individuals that book recreation spaces, to purchase general liability insurance online for low and medium risk activities, Wayling explained.

Last year the regional district began using the SAIS Event Policy Portal. The use of the portal is at no additional cost to the RDCK.

Even though medium and high risk insurance amounts are both for $5 million, the user will pay less for insurance for a medium risk versus a high risk sport, said Wayling.

The amount of insurance coverage will not change for re-classified non-contact options, but it will reduce the user cost as well as give them a faster and more convenient way of purchasing insurance through the portal.

The adopted change does not affect the rating for high risk sports (ie. contact sports), said Wayling.

“User groups will have to source their insurance from an outside provider and pay the required amounts,” she said.

Associated risk

A decision was made during the development process to classify all sports that can be played as both contact and non-contact as high risk (ie. hockey and soccer), even though MIABC’s listings indicate non-contact sports as medium risk.

“Recreation facilities make an effort to provide low-barrier recreational opportunities for groups to rent facilities within the RDCK while mitigating appropriate risk,” said Wayling.

Source: RDCK August agenda

Timothy Schafer, Local Journalism Initiative Reporter, The Nelson Daily