Facility User Solution

Are your clients renting out their facilities for special events? Our Facility User Solution provides Frank Cowan Company policyholders with the knowledge that the person(s) renting or leasing their facilities have liability insurance for events they are hosting.

Policyholders also have peace of mind knowing they have been added as an ‘additional insured’ to that liability insurance. As an ‘additional insured’ their interests are covered should a claim occur as a result of negligence by someone renting or leasing the facilities.

We provide coverage on one master policy

  • The option of insuring all of your rented or leased facilities or only selected facilities.
  • The option of $2 million or $5 million liability limits for all users.
  • Coverage under a commercial general liability form with extensions for Tenants Legal Liability and Medical Expenses.
  • Coverage written on a Reporting Basis – with a deposit premium at inception and premium being adjusted annually.

Activities or Events Insured

Non Sporting Events
Anniversaries, arts, art shows and exhibits, auctions, banquets, bazaars, birthday parties, bridge, chess clubs, crafts, dance parties, dance recitals, dinners, engagement parties (e.g. Jack and Jill events), fashion shows, graduations, music recitals or other family celebrations (e.g. christenings, showers, graduations etc.), photo shoots, picnics, religious services, retirement parties, reunions, seasonal markets, seminars, speakers, talent shows, theatre performances, weddings or other ceremonies, workshops/classroom instruction.

Sporting Events
Badminton, baton twirling, bowling, curling, dance lessons, horseshoes, lawn bowling, public skating, shuffle board, table tennis, tai chi, tennis, ball/roller/floor hockey, baseball, basketball, broomball, cheer leading, cricket, dodge ball, dry land training, field hockey, figure skating, fitness classes, frisbee, handball, non-contact sports, pickle ball, racquet ball, ringette, slo-pitch, soccer, softball, squash, swimming with life guard, synchronized swim, t-ball, track & field, volleyball, yoga.

Excluded Activities
Alpine skiing, bachelorette/stagette parties, bike racing, boxing, climbing walls, contact sports (including hockey, lacrosse, martial arts), cycling, fireworks, gymnastics, horse related, kabaddi, kayaking, kickboxing, motor vehicle activities, rugby, skateboarding, snowboarding, stag/bachelor parties, tackle football, wrestling.

While we do provide coverage under the program for sporting activities, we do not provide coverage for organized sports teams/leagues.

For more information, please contact your Company Representative.