Accidental death and dismemberment, and bodily injury insurance

Accidental death and dismemberment, and bodily injury insurance
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On this page

• Who is insured?
• What is accidental death and dismemberment, and bodily injury insurance?
• Who manages the key coverages under ADD/BI?
• What are the key coverages under ADD/BI?
• Policy limit
• Lump sum payments
• Contact

Who is insured

The accidental death and dismemberment, and bodily injury insurance provides financial assistance and support for all volunteers, including members of boards of directors of harbour authorities (HAs), in the event of bodily harm or loss of life as the result of an accident. The policy provided to HAs is separated into 2 classes. Depending on their role, volunteers, directors and officers will be covered by Class 1 or Class 2.

Class 1: All volunteers, under age 75, participating in any volunteer work or activity authorized by the HA.

Class 2: Directors and officers of the HA, under age 80, regardless of when, where or how the injury happened.

This insurance is purchased and administered by the Harbour Authority Corporation (HAC), a federally incorporated body working on behalf of HAs. The Small Craft Harbours program provides a contribution to the HAC to cover a portion of the Class 1 premium. Class 2 insurance is also available and provides additional coverage to directors and officers.

What is accidental death and dismemberment, and bodily injury insurance?

Accidental death and dismemberment, and bodily injury insurance (ADD/BI) provides financial assistance and support for all volunteers, including members of the board of directors, in the event of bodily harm or loss of life as the result of an accident.

Who manages the key coverages under ADD/BI?

The ADD/BI insurance is purchased and administered by the Harbour Authority Corporation (HAC), a federally incorporated body working on behalf of HA members. Small Craft Harbour provides a contribution to the HAC to cover a portion of the premium.

What are the key coverages under ADD/BI?

• Funeral expense
• $5,000
• Dread disease
• $5,000
• Fracture reimbursement
• $1,000
• Severe burn
• $10,000
• In-hospital indemnity
• $1,000 per month
• Home alteration and vehicle modification
• $10,000
• Seat belt
• 10%
• Family transportation
• $10,000
• Rehabilitation
• $10,000
• Repatriation
• $10,000
• Weekly accident indemnity
• employed: 75% of earnings to a weekly maximum of $750, after a 3-day waiting period, for a maximum of 52 weeks
• Weekly accident indemnity 
• not employed: $150 per week, after a 3-day waiting period, for a maximum of 52 weeks
• Accident medical
• $10,000
• Accident dental
• $2,000

Policy limit

Class 1 - $ 50,000 loss of life

Class 2 - $100,000 loss of life

The bodily injury insurance also provides lump sum payment for:

• loss of limb or use
• loss of hearing
• loss of speech
• loss of sight
• fractures
• burns
• paraplegia
• quadriplegia and more

Lump sum payments

• Lump sum payment for volunteers under Class 1 
• $50,000
• Lump sum payment for officers and directors under Class 2
• $100,000

Contact

For more information, email the HAC at duplessis.management@gmail.com or by phone 1 (506) 625-4556.