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CANADIAN ASSOCIATION PROGRAM (CAP), PROVIDES INSURANCE EXCLUSIVELY FOR REGISTERED CHARITIES AND OTHER NOT-FOR-PROFIT ORGANIZATIONS.             A COMPREHENSIVE PACKAGE OF PROTECTION PROVIDING PROPERTY, CRIME, GENERAL LIABILITY AND DIRECTORS' & OFFICERS' LIABILITY COVERAGE.                                                                         YOU ARE 1 OF 53 CURRENT VISITORS TO THIS WEBSITE.                                    



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Non-Owned Automobile

The activities of non-profit organizations often involve use of vehicles owned by others including employees, directors and volunteers.  The Canadian courts have long established a level of responsibility upon those for which automobiles are operated on their behalf, even if the vehicle is not owned by them.  A volunteer making a delivery or picking up supplies, an employee on the way to the bank or a director attending a convention could cause accidents that give rise to litigation.

Rented Vehicle

While away in the U.S. at their industry's North American convention, the Canadian association's executive director lost control of his rental car and rolled into a deep ditch.  An employee, the association's office manager, had been along for the trip and was badly hurt.

Bank Trip

An employee was driving their personal vehicle on the business (banking) of their employer and was using the time away from the office to chat on a cell phone.  The distraction quickly became obvious when she failed to stop at red light and struck a pedestrian.

Volunteer's Accident

With a directors meeting about to begin, the president asked a volunteer to help out by picking up the 'lunch' for breaktime.  On the way to pick up the food order an accident occured and the organization was 'dragged into' a subsequent liability suit.

Some examples may be generic in nature, applicable to all classes of business - not specifically non-profit organizations.









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