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Watercraft Insurance

Posted: Friday, May 15th, 2009 by Manitoba 4-H Council

Following negotiations with the 4‑H national  Insurance Provider (BFL) coverage for the use of water craft has been approved coverage based on specific the following..
 
Liability limit has been established (with an equal annual aggregate limit) of $6,000,000 for owned and non-owned watercraft under 8m in length, subject to;

1) All persons are required to wear life jackets while in the watercraft.

2) All watercraft must contain;

  • a bailer
  • a buoyant throw / tow line
  • a signalling device (i.e. whistle & flashlight).

Please note that Whitewater and Ocean Exposure are excluded.

As per last year, Council office still requires any group (YEC), to provide a list of any activities they will be participating in that include water craft. For those activities managed by third parties, the group leader will be required to solicit Certificates of Insurance from the company as well as proof of “Protection and Indemnity”. Liability Limits should not be less than 2,000,000 ($5,000,000 or more if possible), and “Protection and Indemnity” should not be less than $350,000 per person.