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MCI Canada

Overview on Event Liability Insurance Coverage for MCI Canada Clients

There are 4 ways to provide Event Liability insurance coverage to clients of MCI Canada:

  • MCI Canada contract specifies that its client will be “added as an additional insured” on to the Commercial General Liability policy maintained by MCI Canada.  This is the most cost-effective and simple approach.
  • MCI Canada contract specifies that its client will be “added as an additional NAMED insured” on to the Commercial General Liability policy maintained by MCI Canada.  This is not the recommended approach because it means that MCI’s client has full rights to the coverage under the Commercial General Liability policy maintained by MCI Canada.
  • MCI Canada contract does not mention anything related to MCI Canada providing coverage for its client under the Commercial General Liability policy maintained by MCI Canada.  However, MCI Canada’s client requests that their name be added to the MCI Canada Commercial General Liability policy as an “additional insured”.  This can be accommodated based upon the rates outlined below.
  • MCI Canada contract indicates that its client will be responsible for maintaining Event Liability insurance covering the client’s exposure related to the event managed by MCI.  This approach provides the greatest protection for MCI Canada.

MCI Canada Rates for Canadian Events Where Clients are Added to the MCI Commercial General Liability Policy

Insured Events:

“No alcohol served” events such as: art festivals, art shows, award presentations, charity benefits (auctions or sales), church meeting, picnics, craft shows, educational conferences, fundraisers, job fairs, picnic grounds without pools or lakes, school funfairs, speaking engagements, tradeshows, walkathons, and other similar events.

“Alcohol served” events at both licensed and unlicensed venues such as: banquets, Monte Carlo nights, boat cruises, conferences, food concessions, golf tournaments. Servers must have “Smart Serve” or other provincial equivalent certifications.

Restrictions:

No coverage for events with the following exposures: concerts, dances and parties, pub nights and pub crawls, wine tours, theatrical stage performances, overnight camps, strenuous exercises (Hiking, skiing etc.), extreme sports or activities (sky diving, rock climbing, etc.) and water sports.

 

Number of Attendees Up to 5 Days
0-25 $74 (minimum premium)
26-250 $221
251-500 $330
500-1000 $515
1000+ attendees Refer to PROLINK

Rates represent $5,000,000 of coverage.

MCI Canada Rates for USA Events Where Clients are Added to the MCI Commercial General Liability Policy

PROLINK can only add clients as an “additional insured” on to the Commercial General Liability policy maintained by MCI Canada for US based events.

Number of Attendees Up to 5 Days
0-25 TBD (Includes Virtual)
26-250 $5,000
251-500 $5,000
500-1000 TBD
1000+ attendees Refer to PROLINK

Rates represent $5,000,000 of coverage.

Eligibility Requirements for MCI Canada’s Clients to be Added to the MCI Commercial General Liability Policy:

  • No live musical, dance, or circus act performances.
  • All food and beverage (including alcoholic) must be provided by a third-party with proof of insurance.
  • No incentive trips organized are to take place outside of Canada.
  • No trampolines, inflatable structures, or climbing walls.
  • No pyrotechnics.
  • No bronco or bull riding.
  • No motorsports or test-drive or automobiles, jet skis, ski-doos, quads, or ATVs.
  • All events held in the United States must be referred to PROLINK a minimum of 10 business days before the start date of the event.

Coverage for the following events cannot be obtained through the MCI Program:

  • Pyrotechnics, concerts, performances, dance parties or parades.
  • Activities involving strenuous physical effort on behalf of the public.
  • “Inflatables” which include inflatable castles, amusement rides, etc.

Please contact PROLINK directly if you need coverage for one of the above-listed events.

Please note that you MUST fill out the form below to have your clients added to the MCI Commercial General Liability Policy for any events that include:

  • A vendor requesting to carry a Commercial General Liability limit greater than $3M CAD;
  • Events taking place outside Canada;
  • Number of attendees exceeds 1,000;
  • Events where alcohol is being served.

Certificates required for events with any of the above activities will require further time to process and an premium may be applied. PROLINK Insurance requires 10 business days of advance notice on all events.

MCI Canada Insurance Certificate Request Form

Have a Question?

To speak to a professional who can guide you to the right coverage from the right insurer at the right price call us at:

1-800-663-6828

or email us at:

Have a Question?

To speak to a professional who can guide you to the right coverage from the right insurer at the right price call us at:

1-800-663-6828

or email us at:


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      Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

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