After going with an online hunter education course last year at a price point that the long standing cadre of hunter instructors cant compete with, OFAH drove another nail in the coffin tonight by telling the instructors they have to find their own liability insurance effective immediately.
Instructor liability insurance had been covered by the OFAH through the membership program, which requires that all Hunter Education Instructors must carry liability insurance of (2) million dollars for bodily injury; property damage; and professional liability. Instructors are required to provide proof of their insurance coverage to the Ontario Hunter Education Program (OHEP) via the Hunter Education Program Manager, on an annual basis.
In the email sent out this afternoon, previous insurance coverage has been dropped as a result of the OFAH obtaining a new insurance carrier, and in their words: "is partially due to changes within the insurance industry, but also because of the way the hunter education program has evolved;primarily how teaching for many instructors has become a commercial venture". Note that OFAH retains all of the revenue from the online Hunter Education Course......
"If you are an instructor who is operating independently or operating as a registered business, (meaning you are charging a fee for your services rendered and are profiting from it), you will need to secure additional insurance coverage. This is deemed a commercial venture under the insurance program and requires specific commercial general liability insurance coverage to ensure adequate coverage."
So instead of sourcing a carrier, they set all of the instructors adrift to independently find their own insurance carriers. Recently I posted on here for someone looking for commercial insurance for guiding to be wary of the OFAH coverage. Now the words have bitten me.
So if anyone out there knows where we can find a reasonable group rate for commercial insurance as instructors, I would appreciate it.
Instructor liability insurance had been covered by the OFAH through the membership program, which requires that all Hunter Education Instructors must carry liability insurance of (2) million dollars for bodily injury; property damage; and professional liability. Instructors are required to provide proof of their insurance coverage to the Ontario Hunter Education Program (OHEP) via the Hunter Education Program Manager, on an annual basis.
In the email sent out this afternoon, previous insurance coverage has been dropped as a result of the OFAH obtaining a new insurance carrier, and in their words: "is partially due to changes within the insurance industry, but also because of the way the hunter education program has evolved;primarily how teaching for many instructors has become a commercial venture". Note that OFAH retains all of the revenue from the online Hunter Education Course......
"If you are an instructor who is operating independently or operating as a registered business, (meaning you are charging a fee for your services rendered and are profiting from it), you will need to secure additional insurance coverage. This is deemed a commercial venture under the insurance program and requires specific commercial general liability insurance coverage to ensure adequate coverage."
So instead of sourcing a carrier, they set all of the instructors adrift to independently find their own insurance carriers. Recently I posted on here for someone looking for commercial insurance for guiding to be wary of the OFAH coverage. Now the words have bitten me.
So if anyone out there knows where we can find a reasonable group rate for commercial insurance as instructors, I would appreciate it.
