Description of Service / Summary
Users of City facilities may generate varying levels of liability risk. While groups should consider purchasing liability insurance, activities with minimal risk may be exempt. This guideline helps determine which groups must provide evidence of a $2 million liability insurance policy prior to using a City facility. The cost of insurance varies based on group size and event duration.
Activities Requiring or Not Requiring Insurance
Activities that require insurance:
- Any Contact Sport, Baseball, Basketball, Broomball, Camping, Cricket, Commercial Activities (e.g., Filming), Curling, Fitness, Football, Golf, Gymnastics, Hockey (Ice/Ball/Field/Roller), Lacrosse, Martial Arts, Ringette, Rugby, Skating, Skiing, Soccer, Social/Dance (with Alcohol), Squash, Swim/Diving/Scuba, Target Practice (Archery/Rifle), Track and Field, Volleyball, Waterpolo, All Liquor Licensed Events, Special Events, Amusement Devices
Activities not requiring insurance:
- Arts and Crafts, Badminton, Band Instruction, Bocce/Shuffle Board, Card/Board Games, Ceremonies, Concerts, Dance Instruction, Filming/Photography (Non Commercial), General Interest, Meetings, Non-Profit Bingo, Piano/Keyboard/Guitar, Social Gatherings (Non Alcohol), Spiritual and Cultural, Tai Chi, Tennis, Table Tennis
Low-risk activities:
- Badminton, Bowling, Curling, Dance Lessons, Horseshoes, Tennis
Medium-risk activities:
Baseball, Basketball, Field Hockey, Floor Hockey, Handball, Racquetball, Soccer, Softball, Squash, Swimming with Lifeguard, Non-Contact Touch/Flag Football, Track & Field, Volleybal
(Refer to Marsh for all other sports)
Excluded activities:
Alpine Skiing, Boxing, Climbing Walls, Contact Hockey, Contact Martial Arts, Cycling, Fireworks (unless under the direction of a fireworks supervisor), Gymnastics, Horse Related, Kickboxing, Lacrosse, Minor Hockey (18 & under), Rugby, Skateboarding/Skateboard Parks, Snowboarding, Tackle Football
All non-Canadian User Groups must be referred to Marsh.
Liability Insurance for Permit Holders and Community Groups
PR facilities provide liability insurance for eligible permit holders and community group users through coverage for activities that require insurance.
Community Group Categories:
- Sports Governing Body – Insurance is covered under the governing body for that activity.
- User Group Programme – Volunteer-based, non-profit groups; coverage provided under the PR liability insurance policy.
- Other Groups – If not classified as a Sports Governing Body or User Group Programme, groups must purchase and provide documentation of insurance coverage.
The price of insurance varies based on group size and duration of the event.
