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Abuse Liability Program

Introduction
Elliott's is pleased to announce our new program for Abuse Liability Coverage. This facility will serve to complement our primary CGL and Sports, Leisure and Recreation (SLR) programs. The coverage will be underwritten by Elliott's through the current subscriber's of our Canadian Liability Insurers (CLI) program, and it is available to Insured's for whom we currently write the CGL.

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Coverage Features
  • Coverage is intended to respond to any act or threat involving molestation, harassment, corporal punishment or any other form of physical, sexual or mental abuse

  • Employees & volunteers are insured

  • Separate Claims-made policy wording

  • Costs Inclusive

  • 1 year ERP available at an additional premium

  • Canada only

  • Limits available up to $1,000,000 with the possibility of higher limits

  • Cannot be written without an accompanying Elliott's CGL policy

  • Sorry, but we can't write boarding schools, churches / religious institutions or Indian bands.


Contact Us
For more information on our Abuse Liability Program, including new inquiries, renewal and changes to in force business, please contact:

  •  Jeff Somerville in our Toronto office jsomerville@elliottsr.com
  •  J.D. Farquhar in our Toronto office jdfarquhar@elliottsr.com
  •  Richard Champagne in our Montreal office rchampagne@elliottsr.com
  •  Anna Tucci in our Montreal office atucci@elliottsr.com
  •  André Hébert in our Montreal office ahebert@elliottsr.com
  •  
    Our Abuse Liability program is available through the local insurance broker of your choice. We can suggest a few suitable local insurance brokers if required.

    The information in this web site is intended to be general in nature and should not be construed as specific recommendations, nor as a substitute for the advice of a professional insurance broker who is familiar with a clients particular exposures or circumstances.

    The coverage summary should not to be construed as an insurance policy or the interpretation of an insurance policy.

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    Market Security - Abuse Liability Program Program
     
    Carrier Interest
     
    Scottish and York Insurance Company Ltd 35%
    Rated A+/Stable by Standard & Poor's Rating Services.

    A member of the Aviva Canada Group of Companies, one of the leading property and casualty insurance groups in Canada, with annual written premiums of more than $3.0 billion.

    More information on this carrier is available at www.avivacanada.com.
     
    Syndicate 3000 at Lloyd's 25%
    Rated A- (Excellent) by A.M.Best

    A (Strong) by Standard & Poor's

    As a Lloyd's Syndicate, Markel Syndicate 3000 also attracts the ratings of the Lloyd's market as a whole and its policyholders benefit from the additional security of the Lloyd's central fund.

    The ratings applicable to the Lloyd's market were as follows:

    A.M. Best: A (Excellent)
    Standard & Poor's: A (Strong)

    More information on this carrier is available at www.markelintl.com.

    More information on Lloyd's of London is available at www.lloyds.com.
     
    Sovereign General Insurance Company 20%
    Sovereign General is rated B++ (Very good) by A.M.Best.

    By virtue of an arrangement between Elliott Special Risks LP, The Sovereign General Insurance Company and its parent insurer, Co-operators General Insurance Company, any business written with Sovereign General through our offices enjoys a guarantee by Co-operators, the object of which is to offer our clients the financial security of Co-operators' AM Best rating of A - (Excellent). For more information on the terms and conditions of this arrangement please contact us at msousa@elliottsr.com.

    The Co-operators group of companies is the largest Canadian owned, multi-product insurer and a financially secure organization with over $7 billion in assets.

    More information on Sovereign General is available at www.sovereigngeneral.com.

    More information on Co-operators is available at www.cooperators.ca
     
    Continental Casualty Company 10%
    Rated A (excellent) by A.M.Best

    A subsidiary of CNA Financial Corporation, the 7th largest US commercial lines insurer with combined statutory surplus of US$7 billion.

    More information on this carrier is available at www.cna.com.
     
    Economical Mutual Insurance Company 10%
    Rated B+ (Very good) by A.M.Best

    The Economical Insurance Group is one of the largest property and casualty insurance companies in Canada with nearly $2.9 billion in assets.

    More information on this carrier is available at www.economicalinsurance.com
     
    Total100%
     
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    To Report A Loss To This Program

    Claims or incidents of any nature should be reported directly to the nearest office of the SCM Adjusters Canada Ltd.


    The reporting condition of the policy requires that you report to the insurer any incidents which might give rise to a claim, even though no such claim has yet been received.

    Liability claims for this class of business may often follow months or years after the event itself. Failure to report an incident promptly may jeopardize the insurers investigation and defence of a subsequent legal action. To avoid the risk that individual losses may be denied as a result of late reporting, we would encourage you to report all such incidents promptly.

    Please note that if your policy is written on a claims-made form, the policy contains certain restrictions that limit the reporting of losses after the policy has expired.

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    Abuse Liability Program

    Introduction
    Coverage Features
    Contact Us
    Market Security
    Report a Loss
    Download
      Applications