Insurance

4-H in Canada Insurance Overview

Please click here for full details.

Fact Sheets about 4-H Insurance Coverage

Effective September 1, 2011, the 4-H Manitoba Participant Accident Insurance has been increased to include “Buddy Insurance” for non-member guests invited to participate in an activity or event approved by and under the supervision of 4-H.

The Participant Personal Accident Insurance, also called Accidental Death & Dismemberment (or ADD) is the policy that “insures the participants of the policyholder, including volunteers working on behalf of the Insured, who are participating in a sanctioned activity approved by and under supervision of proper authority of the club, organization or policyholder and for which coverage has been declared.”

Fact Sheets summarizing the Accident Benefits provided are:

Accidental Death & Dismemberment (ADD) Insurance Fact Sheet
Commercial General Liability (CMP) Insurance Fact Sheet
Directors & Officers (DO) Insurance Fact Sheet.

Highlights of the PARTICIPANT PERSONAL INSURANCE (Accidental Death & Dismemberment): 4-H Manitoba Participant Personal Accident Insurance (“ADD”) covers participants who have an accident, on a no-fault basis, regardless of whether 4-H was negligent. The insurance is in effect if an accident happens and one of the following gets hurt:

  • Members,
  • Leaders/Volunteers/Staff
  • Non-member guests (buddy coverage). A “Buddy” is a non-registered guest, for example a friend or sibling of a registered 4-H member, who is invited to participate along with all the members in a 4-H activity or event approved by and under the supervision of 4-H.

** Note ** safety for all participants is always a priority so, for example, children under 8 should not be handling large animals. When in doubt about the appropriateness of an activity, please contact the Manitoba 4-H Council office.

However, as before, spectators are not covered by the Participant Accident Insurance. A spectator is a friend, family or other who is at an event to watch or cheer. So, if something gets out of control and a spectator is hurt (i.e. a horse gets spooked and runs through a crowd), the spectator can make a claim against 4-H Commercial General Liability policy which covers bodily injury and property damage to third parties.

Any incident involving 4-H should be reported promptly to the Manitoba 4-H Council office (leave a voice message after hours). Generally, the Head Leader ensures this information is recorded, regardless of whether the incident seems minor and perhaps not requiring further follow-up. (Manitoba provincial office will forward forms to the national office as needed).

For incidents with injury to people, complete and return to Manitoba 4-H Council office in Brandon: “Incident Report – CGL” (General liability) (pdf | doc)

For incidents with damage to property, complete and return to Manitoba 4-H Council office in Brandon: “Incident Report – Prop” (Property) (pdf | doc)

Watercraft Insurance

Following negotiations with the 4‑H national insurance provider (BFL) coverage for the use of water craft has been approved based on 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. Watercraft are less than 8 meters in length.
  2. All persons are required to wear life jackets while in the watercraft.
  3. 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.

Council office still requires any group (Club to Club Exchanges), to provide a list of any activities they will be participating in which include watercraft. 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.

4-H Calendar

Events in March 2024

Sunday Monday Tuesday Wednesday Thursday Friday Saturday
February 25, 2024
February 26, 2024
February 27, 2024
February 28, 2024
February 29, 2024
March 1, 2024

N/A: Central Plains Area Communications

N/A
March 2, 2024

Event takes place at St. Claude School in St. Claude.

March 3, 2024
March 4, 2024
March 5, 2024
March 6, 2024
March 7, 2024
March 8, 2024

N/A: Red River Area Communications

N/A
March 9, 2024

Event will be held at Westside Church in Morden.

2:00 pm: North Interlake Area Communications


March 10, 2024

Event will be held at Ashern Central HIgh School in Ashern.

2:00 pm: Pembina Area Communications


March 10, 2024

The event will take place at La Riviere Blair Morrison Hall.

March 11, 2024
March 12, 2024
March 13, 2024
March 14, 2024
March 15, 2024

10:00 am: Eastman Area Communications


March 16, 2024

Event will be held at Ecole Saint Joachim in La Broquerie.

1:00 pm: North Parkland Area Communications


March 16, 2024

The event will take place at Kinsmen Aquatic Centre in Dauphin.

1:00 pm: Southwest Area Communications


March 16, 2024

The event will take place at Brodie Centre at Brandon University in Brandon. Doors open at 12 p.m.

1:00 pm: Valleys North Area Communications


March 16, 2024

Event will be held at Swan Valley Comprehensive High School in Swan River.

N/A: St. Patrick's Day

N/A
March 17, 2024

March 18, 2024
March 19, 2024
March 20, 2024
March 21, 2024

7:00 pm: South Parkland Area Communications


March 22, 2024

The event will be held at Hamiota School in Hamiota.

March 23, 2024
March 24, 2024
March 25, 2024
March 26, 2024
March 27, 2024
March 28, 2024

N/A: Good Friday

N/A
March 29, 2024

March 30, 2024
March 31, 2024

N/A: Easter Monday

N/A
April 1, 2024

April 2, 2024
April 3, 2024
April 4, 2024
April 5, 2024
April 6, 2024

Upcoming Events

No events scheduled
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