For clubs with a target shooting activities, club specific insurance is available from the Shooting Federation of Canada. There are a variety of options to meet different needs, both options include your organization’s SFC membership.

D&O coverage includes three areas:

1. Personal Insurance
   Protects Directors and Officers along with members of the various management committees, employees, members and volunteers from claims made against them alleging negligent acts, errors, omissions, misstatements, misleading statements, neglect or breach of duty committed in the discharge of their legal obligations in their capacity as insured persons.It also includes:
   1. Wrongful employment practices coverage:
      Claims made in connection to allegations of wrongful dismissal, breach of an employment contract, employment related discrimination and harassment, failure to hire or promote, wrongful discipline or demotion, negligent evaluation, etc.
   2. Wrongful membership practices coverage:
      Claims made in connection to allegations of wrongful denial of admission or status as member, wrongful termination of status as a member, breach of a membership status contracts, misrepresentation, discrimination or harassment relating to membership status, libel or slander relating to capacity as a member, etc.
2. Fiduciary Insurance
   Protects insured persons and Benefits Programs named on the policy (e.g., employee benefits plans, Government-sponsored benefits plan) for claims made against them in connection to the administration of such benefits program or any allegations of negligent acts, errors, omissions, misstatements, misleading statements, neglect or breach of duty imposed by statute relative to the fiduciary duty of a benefits program.
3. Derivative demand and crisis costs coverage
   Provides investigation costs coverage to insured persons in the event of a derivative action claim against such insured persons, as well as reasonable and necessary crisis costs incurred by the entity in the event of a claim. Crisis costs include services provided by a public relations firm, crisis management firm or law firm to reduce damage to reputation suffered by the organization or the insured persons arising out of information publicly accessible by third parties via the media.

General Liability with Directors & Officers

A Commercial General Liability policy safeguards clubs against third-party claims of injury or damage, covering activities like training and competitions. It includes premises liability, treats each entity separately for coverage, and excludes property insurance.

A Commercial General Liability policy protects against any third-party legal loss or suit brought against you from a third party.
Common losses are property damage and/or body injury to a third party.

This policy includes the liability that arises the insured activities, notably training/teaching of parties for international competitions, recreational shooting, national and local competitions and education of firearms.

All coaches and guests are covered, while acting under the club’s supervision or in a club’s name. For coaches, this is regardless of their training. All club staff are covered, with no limitation.

Note that this policy does not include property insurance (fires, break ins, etc.), and the Shooting Federation of Canada does not offer property insurance.