Insurance FAQs
The NNAC Master Agreement is secured for the exclusive benefit of all registered NNAC Club through The Cooperators Insurance Company’s ‘Community Guard’ division.
All clubs must carry the same coverage and rates as described, with no variations, no added coverage or lesser coverage from one club to another.
When will the new Cooperators Insurance Handbook be released?
It should be released shortly before Cooperators sends out your invoices, usually by mid-May.
If the NNAC receives it first, we send it out to all Clubs asap to keep you informed.
Why am I getting a NNAC-Cooperators Contact Info Questionnaire first and why is it important to get it sent back quickly? Should I “cc” the NNAC when I reply to Cooperators?
The Cooperators is asking for your very important most updated email Contact information and the number of members you expect to have in the next year.
– Please calculate that as best you can foresee, for proper coverage and fraud prevention.
– Eg. it’s early June but your member renewal process isn’t complete, and you only have 80 renewals confirmed. However, history shows that your club will likely have 120 members by the fall once summer is over, and for the rest of the year. Please enter 120 as the number of members you have, so Cooperators can calculate your rates.
– Delays in obtaining this may mean a delay in insurance invoices being sent out, which could delay your payment getting mailed in by deadline, which may mean your club will miss the first wave of receipts.
– While your policy may be renewed after deadline, Receipts will not be guaranteed by Cooperators for after deadline renewals.
– Please cc the NNAC at nnac.executive@gmail.com when you have communication with Cooperators, as a backup for information, and we may be able to help on our end first.
When will insurance invoices be emailed out to me?
Expect to receive it in the last weeks of May but could be as late as first week in June. (Also see above regarding possible delays.)
- If you haven’t received your invoices by the end of first week in June, then check first on your last NNAC-Cooperators questionnaire which email that Cooperators has on file. Check with whomever may be monitoring that email address. If you feel your club was missed, then please email the NNAC first at nnac.executive@gmail.com
- {Cooperators also cc’s the NNAC on your invoices when they are sent out. If you can’t find it, we may have that copy for you.}
Can I get insurance if I decide not to rejoin the NNAC?
NO. You must be a registered and fully paid member of the NNAC to obtain any of the reduced insurance rates under our NNAC Master Agreement with Cooperators.
(In July the NNAC and Cooperators cross-match our Club membership list to ensure accuracy.)
Can we pick and choose what coverage we want within the Insurance Handbook?
(Example: we don’t want Privacy Protection or Liquor Liability coverage and don’t want to pay for that.)
This is a Master Agreement made specifically for the NNAC clubs across Canada, and a club accepts all the inclusions, or none. (*only exception is separate Directors and Officers coverage)
What is Directors and Officers (D &O) Insurance, and why is it separate?
It is Board Member coverage that is not yet mandated in the Cooperator’s Community Guard coverage but in future it might be, so Clubs should start to plan for that as a possibility.
- Cooperators STRONGLY SUGGESTS that every club add D&O if they have not.
Examples of someone disagreeing with a Board and suing them, or as simple as a “slip and
fall” at a Club event, and the Board is sued for negligence.
- The D&O insurance LOCKS AND SEPARATES your personal liability and assets from the Club. Some people will not serve on any Board without knowing it’s in place.
How much does Directors and Officers (D&O) Insurance cost?
Currently it is $350 per club per year and is the ONLY optional add on to your basic policy costs.
Regardless of the number of members of your club, you can calculate to add on $350 per year (as of 2024) to your policy costs.
Our club is incorporated in our province – doesn’t that protect us from being sued?
The purpose of incorporating an organization is to protect the personal assets of the board. So, if the board is sued, their assets are protected.
Incorporation does not protect your club from lawsuits. Your club does not have to be incorporated to be a member of the NNAC and obtain a basic insurance Policy under our Master Agreement.
PRIVACY Breach coverage – We don’t want this coverage.
This was added to every Corporate/ Commercial policy that Cooperators has and is not optional.
Cooperators has told us of some high losses that non-profits or Not-for-Profits have experienced through fraudulent donation scams. We don’t have that setup within NNAC clubs but nevertheless it’s mandatory.
How do I know how much to pay? How can I get a quote on what it will cost before I receive my invoice? I want to be sure it’s correct.
No club should ever have to ask Cooperators for a quote, as all the information you need is included as reference in their Insurance Handbook. https://nnac.ca/
How to calculate your Quote:
1) Refer to the current NNAC Cooperators Insurance Handbook. {Disclaimer: Quotes of 2024 Premiums only – Cooperators determines final pricing.}
2) COMMERCIAL GENERAL LIABILITY (GL) : (see Page 5 for yearly cost quotes)
MEMBERSHIP in club #
Under 50 members – $92
51-100 members – $117
101-200 members – $142
201-300 members – $167
Over 300 members -$192
Example: Your club has 110 members, so you will pay $142.00 for Basic GL.
3) LIQUOR LIABILITY ENDORSEMENT: Liquor Liability Endorsement – $0.50/member (see page 5)
Example: Your club has 110 members, so you will pay $.50 x 110 members = $55.00
4) BLANKET ACCIDENT INSURANCE – $0.25/member (see page 6)
Example: Your club has 110 members, so you will pay $.25 x 110 members = $27.50
5) PRIVACY BREACH (Now Automatically Included) -Additional $33 per Club {any number of members} (see page 8)
Add up your Quotes from above: (Example of a club with 110 members)
COMMERCIAL GENERAL LIABILITY – $142.00
LIQUOR LIABILITY ENDORSEMENT – $55.00
BLANKET ACCIDENT INSURANCE – $27.50
PRIVACY BREACH – $33.00
‘General Coverage’ TOTAL: $257.50
‘General Coverage’ TOTAL PAY: $258.00 ***Please round UP to the closest dollar as per Cooperators Invoices:
These 4 coverages are all mandatory within the NNAC Master Agreement with Cooperators: no variations.
Your club will receive an Invoice for this insurance as quoted above.
OPTIONAL: Directors & Officers Insurance (D&O) – Add the Rate of $350/club (see page 9.)
It is the only Option your club has on whether to add it or not. From 10 – 600 members, it is a flat rate of $350.00 per year per club.
Your club will also receive a second Invoice for Directors & Officers Insurance, but you will only pay it if you choose to add it, which is highly recommended to do so.
General Coverage’ TOTAL: $257.50
Optional D&O TOTAL: $350.00
GRAND Total: $607.50 (for sample club with 110 members)
When is my Cooperators Insurance payment due?
It is due as per your invoice, which is usually June 30th of the year.
Our new Board decided in September that we would like to buy club insurance after all- is there a discounted rate for only a portion of the year?
There is no discount; it is a yearly rate only whenever you choose to purchase it. For information about deadlines and receipts, see above.
How can I send payment to Cooperators? Will they accept e-transfers or credit card payments or cheques?
Currently, The Cooperators will ONLY accept cheques or credit card payments (over the phone) from a club.
– Cheques in the mail so please get them sent by mid-June to get to them by deadline.
– Credit card payment: must do over the phone to their office. Allow at least a week to try to connect with them over the phone: a cheque mailed may be simpler.
Where do we mail our payment to?
Include a copy each of:
– your basic Policy Invoice
– a copy of your D&O invoice (if you choose to add that option)
– a copy of the updated Contact Questionnaire
– your cheque with full club name on it
Mail to: Stacey Mandigo
The Co-operators
480 Somerset St. W.
Ottawa, ON K1R 5J8
When will we get a receipt from Cooperators?
Cooperators processes all payments and receipts over one or two dedicated days. If your payment was sent in by their deadline then you can expect an emailed receipt by the end of June.
If you don’t see a receipt by then, your payment may have been late, and you may not be able to get one (see below.) If you email the Cooperators asking about it, please cc the NNAC too.
We didn’t pay our invoice by deadline and now we can’t get a receipt from Cooperators.
Cooperators processes all the NNAC clubs at one time after deadline and uses a computer system that send out receipts at one time.
If deadline is missed, Cooperators tells us that your club may not receive a receipt later, as this requires a team member to go in and manually enter, print and email back a receipt, and they may not have the time to dedicate to that if attending to other insurance claims.
- Please ensure payment is sent to Cooperators by their deadline. They prefer not to answer individual emails enquiring if your mailed cheque is received. Your cancelled cheque will be some proof that the funds were received late.
- Additionally, if your payment was late we suggest you send an email to Cooperators after due processing time to state you note that your cheque was cashed for your insurance policy renewal and so you assume that your policy is renewed as directed with payment, though you still request a receipt. If you don’t receive one at least you have a paper trail of your statement to Cooperators.
Our club is renting a space for an event and they require proof that we carry a $2,000.000.00 General Liability (GL) Policy.
Our Master Agreement Basic Policy has $2 million GL coverage, and showing a venue booker a copy of your current policy should suffice. (This is a very good reason to get Insurance renewal payments in on time to show that indeed you have a receipt to show a venue.)
- IF you need a separate email of assuredness from The Cooperators to show the venue, email Cooperators and ask- they will sometimes do that. Allow 2 weeks for the back and forth in communications being answered.
- Email: stacey_mandigo@cooperators.ca and cc Michele Parker @michelle_parker@cooperators.ca
We require proof that we carry a $5,000.000.00 General Liability (GL) Policy for an event we want to host. Can we buy extra insurance (above our $2 million coverage) from The Cooperators for this?
Unfortunately, no. All clubs are under the NNAC Master Agreement and it is one policy and they will not sell individual upgrades to clubs.
However, most venues asking for this much coverage can usually recommend a local insurer they work with to sell your Club that extra coverage for your single event.
We have sent emails with new contact updates but Cooperators is still using the old information.
Thanks for being proactive on this! Information can get lost in email content or in acronyms, so Please follow these steps to make the process easier for Cooperators.
- Fill out the NNAC Questionnaire Form and attach it to your email to Cooperators, stating in your email you’re providing updated info for your club.
- Use your club’s Full Name
- Email the questionnaire to : stacey_mandigo@cooperators.ca and cc Michele Parker @ michelle_parker@cooperators.ca and nnac.executive@gmail.com
CHALLENGES that the brokerage has with our Clubs:
Example 1:
Asking for Quotes when Cooperators doesn’t first have an updated number of your members, which is asked for on the Questionnaire.
A club can always calculate your own quotes easily: see above.
Example 2:
Clubs sending in insufficient payment: e.g. $375 for an invoice that is $375.65 due.
The benefit in staying with the same brokerage that knows us and what we’re about, means they might take the time to go in and manually override the missing 65 cents due on an incomplete payment, and continue one’s coverage. Plus they ask us to round UP to the nearest dollar. Otherwise by us moving to another brokerage office, they might go ‘by the book’ and if you have a claim later, can show that your payment was incomplete and your coverage is null and void for payment not received in Full.
Example 3:
Old email addresses and not updating proper contact information with Cooperators.
The brokerage often tries to send an email to a club and it bounces back: How much time are they to spend on that?
Please send in an updated NNAC Questionnaire Form, not just an email.
Example 4:
Signing your form with acronyms like “Club XYZ.”
The Cooperators doesn’t know our shortcut/usernames. Please fully spell out your Club’s name.