1.     Do RCA's insurance policies apply in Québec
in light of the Civil Code in that province?
 Yes.

 2.     Parents or friends of rowers who are not RCA
members may volunteer to help in running a regatta in ways such as driving
motorboats, doing chores on-site or being stake boat holders. Are such
volunteers covered by RCA's insurance policies even if not registered with
RCA?

 All employees and volunteers are covered under the General Liability Policy
within the scope of their assigned duties provided that the event is sanctioned
by RCA (including events sanctioned by a Provincial Rowing Association on behalf
of RCA). They do not have to be registered with RCA. However, they are not
covered by the Accident Policy.

 3.     Does this mean that a registered volunteer is
not covered if they sustain an injury? 

Yes. A volunteer is not covered under the accident policy, only the liability
policy.

4.     If cash or equipment was stolen from a club
would that be covered by RCA's insurance?

 No.

 5.     What if a visiting club's equipment was
stolen during a regatta?

 This would have to be covered by the visiting club's own insurance. However,
if the host club was sued for damages for failing to provide adequate security
for the visiting club's equipment it does have insurance against such a possible
liability.

 6.     Does coverage include the cost of legal
fees?

Yes. The insurance company will pay for all expenses they incur for any claim
they defend on your behalf.  This includes legal fees.  Any payments the
insurance company has to make for defense costs will not affect your insurance
policy limit.

7.     Does Directors and Officers Liability
Insurance cover things like Human Rights complaints or
mediations/arbitrations?

 No.  It is important that PSO's and Clubs are aware that coverage is limited
to civil actions  (statement of claim) where compensatory damages are being
sought and does not extend to  other  types of circumstances  such as tribunals,
mediation or arbitration sessions .  RCA is currently looking at an option that
interested clubs and PSO's may be able to purchase as additional insurance if so
desired. 

8.     What are the policy limits?

 General liability - $10 million. Directors and Officers insurance - $5
million. In both cases there is a deductible of $500.

 Accident - varying amounts depending on the extent of the injury. The maximum
is $20,000 for the most serious injuries.

 9.     Does a coach have to be registered with RCA
to be covered?

Ideally, a coach should be registered with RCA however, if they are
inadvertently left off the Clubs Membership roster they would still be covered
by Insurance, in the same manner as a volunteer. 

10.  What does it mean when the insurance
information on the web site says: "It should be noted that employees, casual
employees and volunteers are not covered with respect to bodily or personal
injury to a co-employee or volunteer"?

 Volunteers and employees are covered with respect to claims that they caused
harm or injury to others. There is a restriction in their coverage in that they
are not covered for harm caused to fellow employees or volunteers. We have tried
to get this restriction removed in the past without success.

 11.   Are members who participate in adaptive rowing
programs covered?

 Yes. There are additional safety issues that any club that has an adaptive
rowing program needs to address. In addition to the Safety Guideline on the RCA
web site the Adaptive Rowing Committee has produced a manual that is also
available on the web site that contains information on safety issues for
adaptive rowers.

 12.  Am I covered when I am rowing up at my
cottage?

 No. Coverage only applies to sanctioned or approved activities at sites of
events, training camps and club premises.

13.  Are members covered when they row in an
unsanctioned regatta?

 No. RCA's coverage only applies in the case of regattas sanctioned by RCA or
by a Provincial Rowing Association in accordance with the RCA constitution.

 14.  What about members competing at the Head of the
Charles in the USA- are they covered?

 Yes. Rowers competing in the USA at a regatta that is registered with the
USRA are covered. However, those attending unregistered regattas in the USA or
regattas in other countries must obtain sanction from the RCA Executive Director
if they wish their attendance to be sanctioned so that the liability insurance
applies.

 15.  Does RCA's accident policy provide coverage for
an employee injured on the job?

 No, the Accident Policy provides coverage for injury sustained in competition
or in training for competition or being transported in a group of three or more
to or from the place of training or competition. It applies to members who are
rowers, coaches, managers and officials. It does not provide compensation to an
employee who is injured on the job or who develops a disability that prevents
him or her from working. Employers should address this need as part of a
benefits package for employees.

 16.  What about people who come to the club just to
try out rowing, are they covered?

 Participants for the day (e.g. try out sessions for people interested in
trying out rowing or a person entering a boat as part of a promotional or media
event) do not have to be registered with RCA and would not be covered by RCA's
insurance policy. The club, its directors and members would be covered. This
means that a try out participant who caused harm to someone and was sued as a
result would have to look to his or her own coverage, such as might be provided
under a homeowner policy. A club can require a participant to be registered with
RCA in order to obtain insurance coverage if it wishes or it can make it
optional. If the participant declines the insurance coverage obtained through
membership of RCA it might be prudent to have the participant sign a separate
form as follows:

"I acknowledge that I am participating in a try-out session and have declined
registration as a member of Rowing Canada Aviron and therefore not covered by
the Rowing Canada Aviron's liability insurance policy."

17.  If a club held a one week rowing camp for youth
that included rowing, swimming and beach games would RCA's insurance
apply?

RCA's policies would not apply with respect to non-rowing activities such as
swimming and beach games as these are not approved activities. For that part of
the programme neither the participants nor the directors, members or club would
be covered.

18.  We are planning to have a winter training camp
in Florida during the winter. Do we have to notify RCA to obtain liability
insurance coverage?

 No, such training camps are a sanctioned activity and are therefore covered
by our liability insurance. Remember, however, the need to arrange for Outside
Canada Emergency Medical coverage.

 19.  Are competitors at a Canadian regatta from
other countries covered by RCA's insurance policies?

No. They are not members of RCA.

 20.  If a Canadian umpire officiates at a regatta
outside Canada are they covered by RCA's liability insurance?

 Yes, if it is a FISA sanctioned regatta or a regatta in the USA registered
with the US Rowing Association. In other cases officials should apply to the RCA
Executive Director if they wish their attendance to be sanctioned so that the
liability insurance applies.

 21.  If umpires from the USA officiate at an RCA
sanctioned regatta are they covered by RCA's liability insurance?

Although U.S. Officials are not members of Rowing Canada Aviron they would be
covered under RCA's liability policy as volunteers when officiating at a RCA
sanctioned event.

 22.  If a Canadian Licensed umpire is not a member
of a club and not registered with RCA is he or she covered by the RCA liability
policy?

Under RCA's constitution a Canadian umpire has to be a member of RCA to
officiate at a sanctioned event.