Active and provisional members benefit from a commercial public general liability insurance which is included in their annual fees, a $5 million Comprehensive General Liability and a $500,000 Tenants Legal Liability which extends to locations that are rented on a temporary basis. Coverage includes:
Name Insured: Quebec Music Teachers' Association Inc. and all music teachers enrolled as members of the Association.
Description of Operations : Activities normal to the provision of music instruction.
Type of Coverage: Comprehensive General Liability MAX, as perpolicy wording on file with the Association.
Limit of Liability :
Coverage A – $5,000,000 CAD – each occurrence Bodily Injury and Property Damage Liability
Coverage B – $5,000,000 CAD per person or organization – annual aggregate
Personal Injury and Advertising Injury
Coverage C – $10,000 CAD each person Medical Payments
Coverage D – $500,000 CAD Tenants’ Legal Liability
Commercial General Liability Max Deductible $1,000
$5,000,000 CAN each occurrence Standard Non-owned Automobile Liability Policy
Effective Date : September 1, 2019 to September 1, 2020.
Compagnie d'assurance : Intact Assurance Inc.
No de police : 5A1186953
Courtier d'assurance : Westland Insurance Group Ltd, 200–2121 160th Street, Surrey, BC, V3S 9N6
T 604 543-7788 | 778 545-2147
Westland Insurance provides a Comprehensive General Liability policy for members of the Canadian Music Teachers Association.
Westland Insurance Group, BC’s largest independent insurance brokerage, was established in 1980 to meet the insurance needs of individuals, businesses and non-profit organizations. Today, Westland provides personalized insurance services throughout British Columbia and Alberta in over 70 locations.
Westland’s vision statement is "To be the broker of choice in every community we serve". Behind this statement is Westland’s professional team working to ensure that clients are offered the most comprehensive coverage available.
The coverage is for a limit of $ 5,000,000.00 which also includes $ 500,000.00 Tenants Legal Liability. The main purpose of this coverage is to protect Music Teachers who provide music instruction from their homes against a law suit should a student sustain an injury in the Music Teacher’s home. The insurance provides all legal expenses and damages if awarded to the third party. The cost for this coverage in 2016 is $ 35.00 plus any additional tax applicable to the particular province.
Please note that this coverage is in the name of the Registered Music Teachers’ Association of the Province in which they reside and not in their individual name. However, to be covered the individual must be a fully paid member.
If a teacher has expanded their business and now not only teaches in their home but also teaches in a commercial location, the land lord may require the teacher to provide additional insurance. Westland can provide this as well. The same coverage as above would be provided, only in the teacher’s name with the landlord as an additional insured. The cost for this coverage would be $ 35.00 as well and would run concurrently with the Master policy of the province in which they live.
One of the perks of being a registered music teacher with the CFMTA/FCAPM is the ability to take advantage of a great Liability Insurance package through Westland Insurance. We decided to ask Westland some questions relating to music teaching during the Covid-19 Pandemic.
Q: How is our insurance coverage affected by COVID-19 and private music instruction?
A: The policy remains in place for the $5 Million Professional Liability.
Q: Has the insurance company added any exclusions to the policy that we need to know about?
A: None that would affect strictly liability.
Q: Does adding/switching to online teaching affect coverage?
A: This policy will cover you for any activity related to that of music instruction. Anything beyond that scope is not covered. Online instruction is covered.
Q: Are we protected in the event of "zoom bombing" or other unwanted intrusions, computer viruses, etc. as a result of using digital platforms?
A: This would not be covered within the scope of the CFMTA/FCAPM liability insurance package coverage. Westland Insurance does have a separate cyber coverage product available.
Q: Does the package cover liability surrounding accidental Covid-19 exposure on premises?
A: There is no coverage against pandemic under the policy.
Note: this means that a CFMTA/FCAPM teacher is not protected against a claim or lawsuit brought against them should a student or family claim to have contracted Covid-19 during a face-to-face lesson, even if the physical distancing rules were adhered to and the teacher could prove that disinfecting precautions were taken. Please keep this in mind as you decide whether or not to open your studios for face to face teaching.
Source : Of Note from CFMTA - June 2020