THE MINIMUM DEDUCTIBLE IS $ 500.00

or the deductible named on your policy, which­ever is the greatest.

QUALIFICATIONS FOR AUTOMATIC COVERAGE

* You must have your own homeowner/tenant insurance in place.  

Extended Property Damage

Provides coverage against loss or damage to your personal belong­ings that may occur due to the
malicious or wilful acts of a child placed in your care by a director who is designated
under the Child, Family & Community Services Act, section 91. *** This coverage will only
address those claims that are denied by your PRIMARY insurer due to malicious or willful acts
of a child in your care. (Child must be able to form intent)

The coverage on the Rider mirrors the coverage on your own policy ***. The Rider can and
only cover you to the same limit and extent as your existing policy.

** i.e. not insured for glass/rider will not cover.

*** This does not include children placed by a judge or a probation officer alone.
The child must be placed by a Director.

Contact:

AON Reed Stenhouse
6^th floor –1803 Douglas Street
Victoria BC, V8T 5C3
250-388-7577

The same Property Damage Rider may be purchased by those providing in-home care for
community agencies authorized by the Ministry for Children and Family Development, and
Aboriginal bands; for an annual, non-refundable premium of $115.00.

• have your own homeowner/tenant insurance

• current Membership in the BCFFPA or the Federation of Aboriginal Foster Parents

If you have children placed under Ministry Agreements and through a Society or Band, the Rider
should be purchased to insure against loss/damage caused by the children placed through the
Society or Band.

The claim procedure for Society/Band homes is the same as for Ministry Caregivers.

Complete the enclosed application form and mail with the appropriate fees to the Federation office.
The policy coverage begins on the first day of the month in which you enroll and is valid for twelve
months. Your membership, however, is for a calendar year - January to December. It is possible
that your membership will expire during the insurance year and leave you with­out coverage.

Please keep your membership current as the Rider is not in force without a valid membership
in the Federation.

---------------------------------

APPLICATION FOR INSURANCE RIDER FOR
HOMES CONTRACTING WITH A SOCIETY
OR ABORIGINAL BAND

1. Members of the BC Federation of Foster Parent Associations or,

2. Members of the Federation of Aboriginal Foster Parents

If you are applying for coverage under the Rider and are not currently a member, please add
sufficient funds to purchase a membership with BCFFPA, or include your Federation of Aboriginal
Foster Parents membership.

• Copy of the letter of denial from your insurer

• A copy of the ‘face sheet’ of your insurance policy showing your coverage dates and 

• a copy of your Agreement or contract, and

• a written statement of circumstances (who did what, when)

   

  3. The Federation will forward the information to our Insurance Company who will assign an adjustor.

The adjuster will contact you and negotiate directly with you

Submit all claims as they occur. Claims must be made within one year of the incident date.

If you believe there may be a forthcoming action against you or if you are served with a writ of summons:

1. Immediately call AON Reed Stenhouse at 250-388-7577 with a verbal description of the circumstances

that occurred.

2. A report will be filed on your behalf with the Insurance Company.

3. You will be contacted shortly with instructions and procedures to follow in order to obtain legal counsel.

Note: This policy does not cover accusations of a criminal nature.

IF YOU FEEL THAT THIS INSURANCE RIDER IS NOT APPLICABLE TO YOU, PLEASE CONTACT THE BCFFPA FOR MORE INFORMATION.

==> DO NOT ACCUMULATE CLAIMS <==