Insurance Renewal Liability Insurance and Home-Based Business Insurance PLEASE RESPOND BY APRIL 1 st, 2018

Transcription

1 Saint-Hubert, February 20 th, 2018 Subject: Insurance Renewal Liability Insurance and Home-Based Business Insurance PLEASE RESPOND BY APRIL 1 st, 2018 Dear Customer, The time has come to renew your insurance policy offered by Assurances Andrée Bernier & Filles Inc. and invoiced by Regroupement de la Montérégie. *One premium is applicable for 1 to 9 children Renewal or registration in 3 easy steps: 1) FORM: Please complete, sign and submit the attached form and send it to us: By mail : 1861, Rue Prince, Saint-Hubert, QC J4T 0A5 or, By fax or, By assurancesrsg@rcpem.com. 2) PAYMENT: Make your cheque or money order payable to: RCPEM and post it with your form OR Make your payment on our Website: in «Assurances RSG» section. OR Complete and sign the Visa or MasterCard section at the bottom of the form. We do not accept payment by phone. 3) CERTIFICATE: THE CERTIFICATE WILL BE SENT TO YOU WHEN WE WILL RECEIVE THE FULL PAYMENT OF THE PREMIUM. You must send a copy of your certificate to your coordinating office and your home insurer. For any question concerning your coverage option, please contact a broker at Assurances Andrée Bernier & Filles for more information. We wish to inform you that administration fees of $17 are charged and included on your enclosed invoice. Those fees are charged to finance the time related to the mandate. In case of a non-renewal (sick leave, maternity leave, etc.), it is mandatory that you complete the attached form for the non-renewal, in section - I do not wish to renew. Finally, please sign and return us the attached form by mail, or fax. We hope everything will be to your entire satisfaction. Best Regards Regroupement des CPE de la Montérégie. 1861, Rue Prince, Saint-Hubert (Québec) J4T 0A5 Téléphone : poste 250 Télécopieur :

2 RENEWAL FORM OR REGISTRATION Liability insurance and home-based business insurance First name Last name Address City Postal Code Phone address * Name of your coordinating office *Only if you want to receive information from RCPEM by Apartment These insurances options of «Assurances Andrée Bernier et Filles inc.» are invoiced by Regroupement des CPE de la Montérégie for the period of April 1 st, 2018 to April 1 st, Option 1 Option 2 Compulsory as per article n 51.9 Home-based business protection Commercial General Liability limit $ Commercial General Liability limit $ Property Coverage Contents: property related to the operations home childcare provider limit $ *Possibility to increase up to $ Business Interruption Insurance Actual Loss Sustained Profits Form Comprehensive Dishonesty, Disappearance and Destruction Policy Employee Dishonesty (Form A) limite $ Premium = $79.50 fees and tax included Premium = $ fees and tax included OPTION 1 OPTION 2 : yes no answer required yes no answer required *One premium is applicable for 1 to 9 children I do not wish to renew : Please note that if you do not renew your contract now, you should contact Closing Maternity the RCPEM to rejoin the insurance at the reopening of your daycare. Indicate no at option 1 and option 2. Disease Other DO YOU HAVE AN OPEN AND PENDING CLAIM? YES NO Please note, if you have an open claim, we recommend to renew your insurance even if your daycare is closed. Please contact Assurances Andrée Bernier & Filles Inc. for more information. Do the insurance coverages have been explained to you by a Damage Insurance Broker of Assurances Andrée Bernier & Filles Inc.? Yes NO answer required SIGNATURE DATE Please send this form by post with your payment (cheque or money order payable RCPEM) at the following address: # VISA Regroupement des Centres de la Petite Enfance de la Montérégie 1861, Rue Prince, Saint-Hubert (Québec) J4T 0A5 Téléphone : poste 250 Télécopieur : Courriel : assurancesrsg@rcpem.com Site web : Online payment is now available on our Website : In section: Assurance RSG # MASTERCARD Expiration date Expiration date / / Name on card Name on card AUTHORIZATION TO DEBIT THE AMOUNT INDICATED IN OPTION 1 OR 2 AT YOUR CHOICE (SIGNATURE) ***IF WE DO NOT RECEIVE YOUR PAYMENT BEFORE APRIL 1 ST, 2018 WE WILL CONSIDER THAT YOU DO NOT WISH TO RENEW YOUR CONTRACT***

3 Coverage summary Childcare Services Program Policy - OPTION 1 (MANDATORY) Global Deductible clause of 250 $ on property damage if not specifically mentioned otherwise 780.2e Difference in coverages COMMERCIAL GENERAL LIABILITY: CIVICA SUPERIOR 091.0e, 094.9e, 098.9e & 890.6e FORMS Each occurrence limit Coverage A : Bodily injury, Mental injury and Property damage / Limit of insurance $ Products-completed operations aggregate limit $ Coverage B : Personal and Advertising Injury liability $ Coverage C : Medical Payments $ per pers Coverage D : Tenants Legal Liability Employees and «volunteer workers» and unit owners of condominiums as additional insureds $ Additionnal insured global guarantee Abuse Coverage $ Contingent error and omission Criminel defence cost reimbursement (must be acquitted or charges withdrawn) $ DIRECTORS AND OFFICERS LIABILITY- NON-PROFIT ORGANIZATION LIABILITY: 350.2e FORM Retention 500$ Directors and Officers coverage - amendatory endorsement : 375.8e form Profit-organization according to general endorsement 890.6e: Amendment : Prior loss Loss of business income resulting from the interruption due to the criminal charges against you (must be acquitted or charges withdrawn) $ $ Policy - OPTION 2 (optional) Deductible clause of 300$ if not specifically mentioned otherwise PROPERTY COVERAGE MY BUSINESS AND ME + SUMMARY OF COVERAGES 034.0e, 035.9e & 890.6e FORMS Replacement cost Sewer backing up coverage $ Deductible 159.2e (Valid only if equipped with a backflow valve) Extension of coverage : 035.9e and childcare services program - amendments 890.6e in policy limit Consequential loss Temperature change In addition to policy limit Property away from the premises $ BUSINESS INTERRUPTION INSURANCE - ACTUAL LOSS SUSTAINED - PROFITS FORM: 238.0e & 238.9e FORMS Indemnity period 18 months My business and me - coverage extension - business interruption insurance actual loss sustained form Coverage Extension 238.0e Prohibited access to the describe premises Actual loss sustained Actual loss sustained 4 weeks EQUIPMENT BREAKDOWN COVERAGE - BUSINESS INTERRUPTION INCLUDED 168.1e COMPREHENSIVE DISHONESTY, DISAPPEARANCE AND DESTRUCTION POLICY - EMPLOYEE DISHONESTY (FORM A) 110.1e FORM The information stated above is only a summary of the applicable Limits of Insurance in the Policy and will not be interpreted as increasing, modifying or varying any other terms or Limits of Insurance specified in the Coverage Schedule. In the event of any inconsistency between the information set in this summary and the Coverage Schedule, the Coverage Schedule will govern. Version 02/14/2017

4 COMMUNIQUÉ QUESTIONS AND ANSWERS PLEASE NOTE THAT THIS DOCUMENT COMPARES THE POLICY OFFERED BY B YOUR PERSONAL INSURER WITH THE REGROUPEMENT EGROUPEMENT S ONE. Below is a list of questions you should ask your personal Insurer regarding insurance coverage for a home childcare provider: It is really important that your insurer answers yes to all the following questions because ASSURANCES ANDRÉE BERNIER ET FILLES INC. insures you except for the Home-based business which is optional. 1. Am I insured for my daycare? What is the Civil Liability insurance limit and what is the coverage of my insurance policy? $, if you are insured with Assurances Andrée Bernier et Filles Inc. Only one premium is applicable for 1 to 9 children. See all the coverage included on the attached insurance schedule. The premium is $55 per year plus tax and fees. 2. Who insures the professional properties of my home childcare services and my loss of income in case of damage? It can be added to your policy with the regroupement at a cost of $80 per year (home-based business). 3. Are educational outgoings insured?(most of the insurers cover only on premises) 4. Are the employee(s), the assistant(s) and the emergency and occasional substitute(s) insured? 5. Are volunteers insured? 6. Am I covered if I have a child with allergies or a disabled one at my home childcare service? 7. Am I covered if I give medication or first aid assistance? 8. Am I covered in case of food poisoning? 9. Am I covered for legal costs and loss of income in case of accusation for abuses (act of violence or sexual abuse)? 10. What should I do if an accident occurs at the home childcare service? Complete the accident reports supplied and forward it to us by fax. 11. Who am I insured with in case of a car accident with the children? Bodily injuries are insured by the S.A.A.Q. Material damages are insured by your own automobile insurance contract. 12. Where do I file my claims? At our office (see our phone number and address below) 13. Can I have a pet? Yes, you can with Assurances Andrée Bernier et Filles Inc. See attached insurer s communiqué which reminds you to be extremely cautious. 5600, boul. des Galeries, bur. 350, Québec (Qc) G2K 2H6 Tél. (418) Téléc.: (418)

5 INCIDENT REPORT INCIDENT DATE: / / POLICY NO: CUSTOMER NUMBER: 166- BC/CPE/DAYCARE/REGROUPEMENT: NAME OF HOME CHILD CARE PROVIDER: ADDRESS: TEL: ( ) CITY: POSTAL CODE: DIRECTOR/COORDINATOR: INJURED: DATE OF BIRTH: / / PARENT: ADDRESS: TEL: ( ) CITY: CODE POSTAL: REPORTED TO: DATE: / / TIME: SCENE OF THE INCIDENT: CENTER ROOM: PLAYGROUND: OTHER: BRIEFLY DESCRIBE THE INCIDENT : DESCRIBE AND INDICATE THE INJURY (IES): NAME OF THE PROVIDER IN CHARGE AT THE TIME OF THE INCIDENT: IMMEDIATE MEASURES (FIRST AID): TRANSPORTATION TO HEALTH SERVICES: HOSPITALISED: YES NO NAME OF HOSPITAL: ROOM NO: ADDRESS: EXAMINED AT EMERGENCY: WITNESS 1. NAME: TEL: ( WITNESS 2. NAME: TEL: ( ) ) I (PARENT/GUARDIAN) ACKNOWLEDGE HAVING BEEN INFORMED OF THE INCIDENT AS DESCRIBE IN THIS DOCUMENT. SIGNATURE DATE : / / PARENT/GUARDIAN SIGNATURE DATE : / / DIRECTOR/COORDINATOR/PROVIDER PLEASE SEND THE FILLED REPORT BY TO INFO@ABERNIER.CA OR BY FAX AT /18/2016 AABF

6 From DREAM to REALITY Contest With the group home and auto insurance program, YOU COULD WIN 0 0 0, 5 $ ASH IN C Click here to participate! M e (01-18) The contest begins January 1, 2018 and closes December 31, The draw will be held on January 18, The prize consists of one (1) cheque for CAN$5,000. Certain conditions, limitations and exclusions apply. This contest is open only to Quebec residents who are members of an eligible group. The winner will be required to correctly answer a mathematical skill-testing question. For full contest rules, write to: Intact Insurance Company, 2450 Girouard Street West, Saint-Hyacinthe QC J2S 3B , Intact Insurance Company. All rights reserved.