Insurance for Detachment Boards – Important Update
Over the past several months, the OAPSB has been working diligently to find insurance solutions for OPP Detachment Boards. Our top priority in this endeavor has been to provide insurance options to detachment boards that meets each boards insurance requirements at a preferred price in a timely manner.
We are happy to now advise that Intact Public Entities (IPE) has an insurance product available for OPP Detachment Boards. Unfortunately, we do not have a great deal of information to share with respect to the cost of this program for individual detachment boards. What we do know is that each board will be required to complete a Not-for-Profit Directors’ and Officers’ Liability application. This application and product are available to you through your local broker.
In addition to the IPE option, the OAPSB is currently in the process of negotiating an opportunity for an OAPSB Group Insurance policy. In order for this group policy to be a strong option for all of you, we would require the majority of Detachment Boards to opt in.
The majority of Detachment Boards opting in would allow for preferred pricing, pricing stability and guaranteed access to coverage for all detachment boards.
The OAPSB would complete the application, so no application would be required by individual boards in year one and only a brief 3-5 question survey would be required annually thereafter to avoid lengthy renewal cycles.
Below are some of the highlights of the comprehensive coverage being offered through this program:
$5,000,000 CGL (Commercial General Liability) – Will meet requirements of any facilities you utilize for events/meetings etc. throughout the year
$5,000,000 D&O (Directors & Officers coverage for your individual board and its members – Spousal coverage included)
Non-Owned Auto coverage – $1,000,000 limit
$1,000,000 E&O (Errors & Omissions/Professional Liability) – Coverage for claims surrounding training and policy guidance that are typically excluded from the first two policy types
Contents coverage up to $100,000 per detachment board (fire/flood/theft etc.)
$50,000 Cyber Insurance for each detachment board
$100,000 Abuse Liability for each detachment board covering legal fees and judgements for actual or alleged abuse – Subject to abuse protocols in force which the insurer can provide a template for immediate implementation
Annual premium per board of $3,600 – $5,000/year + Tax (8%)
Dedicated inbox for certificate requests etc. with guaranteed 24-48 hour turnaround
Dedicated local Ontario claims service for all program participants alleviating wait times
We will be in contact with each detachment board in the coming days asking for your board to advise if it would be interested in opting into the group policy.
For interested boards, we will require that each board provide a five-year history of any claims against any of the OPP (Section 10) Police Services Boards that have amalgamated into your Detachment Board.
We recently sent out a survey asking for this information; however, we will require this from all boards opting in. A Nil response is required.
Please note: If you have claims within the last five years during a time you had a municipal police service, please do not include those claims.
If the decision of the majority of boards is to move ahead with a group policy, the OAPSB will work with the insurance company to expedite the process and get your insurance in place.
As with most things, there is strength in numbers. A group policy option will provide stability for all OPP Detachment Boards. Our goal is to streamline the process of acquiring and renewing comprehensive insurance coverage at a preferred price for everyone.
The OAPSB Database has Launched!
The OAPSB is excited to launch our new database! Our new database, Growthzone, will now be the home of our membership renewals, email communications, events, and more.
Every board member is asked to have their own login to the database to ensure that all of our membership receive our communications. The initial launch of Growthzone was done using the contacts and information that was received through the 2024 Membership Renewal process.
If you did not receive an email inviting you to make a login to Growthzone, and you are a current member of a police service board, please contact Jennifer at membership@oapsb.ca with your name and police service board so that we can get you set up in the system.
We will begin to transition to sending our mass email communications through Growthzone in the coming months.
August Drop In Sessions
The OAPSB Training Team is excited to continue the drop in sessions into August.
The August drop in sessions are:
- Municipal/First Nations: August 22, 2024 at 12:00PM – 1:30PM
- OPP Detachments: August 22, 2024 at 6:00PM – 7:30PM
Welcome to the Team Linda!
The OAPSB was excited to announce that Linda Skoyles joined our training team in July. Linda brings a wealth of knowledge and experience that will prove invaluable to our membership. She is excited to get going and has already begun to sink her teeth into developing training curriculum that our membership will find beneficial.
We are excited to have you on the team Linda!