Intercity Insurance has changed its name. Say hello to CapriCMW.
We’ve been a part of the CapriCMW family for over 20 years and the time has come to deliver a single, national risk management and insurance brand for the equine community.
While our name might be changing, we remain the same locally owned team of insurance specialists trusted by Canadians from coast to coast.
CapriCMW Insurance l Aurora, Ontario
Insurance for equine breed or discipline clubs and associations
Two types of insurance we offer specifically for clubs and associations are:
Commercial General Liability Insurance
Commercial General Liability Insurance protects the organization, board members, volunteers, employees and others acting in an official capacity for bodily injury and/or property damage claims arising from activities as filed with Underwriters. Coverage limit $5,000,000 per occurrence and includes claims arising from injury to "participants" Extensions included (see attached).
Management Liability (Formerly Director's and Officer's Liability)
Management Liability is a special coverage available separately to Clubs who require insurance to protect the officers and directors of the organization for "wrongful acts" arising from their official duties. Coverage limits available $1,000,000 - $5,000,000. Coverage may be extended to the actual ownership of land/buildings, and the operation or maintenance of equine facilities where you Own, Rent or Maintain Land/Building(s) for more than 15 consecutive days.
- $ 2,000 on owned money
- $ 10,000 on owned property other than buildings (higher limits available)
- $ 10,000 per horse ($100,000 per catastrophe) on horses of others
- $ 1,000,000 on tenant legal liability on responsibility for rented premises
- $ 5,000,000 liability for approved activities including injury to participants
Frequently Asked Questions for Equine Clubs
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Even though the basic rules of the road still apply when you’re driving in a parking lot, it may be a little more difficult to figure out who is at fault for an accident.
Can I let someone else drive my car?
It's not uncommon to want to lend your vehicle to another driver from time to time. But what happens if the person you lend your vehicle to gets into a collision?
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When you're shopping for home insurance, you'll probably come across a lot of helpful (and, let's face it, not so helpful) information — but how much of it is actually true?