Insurance

Insurance Q&A

Technician, Instructor or Instructor-Trainer certification with CPSAC includes three years of insurance coverage. Below are some common questions regarding insurance coverage. As with any policy, coverage is determined by the specifics of the situation. Always document your seat checks.

If you charge for your time or services you are not eligible for our volunteer coverage, but you are eligible for affordable corporate coverage. Details here.

Are technicians, instructors, and instructor trainers who are certified members in good standing with CPSAC insured if they charge for installations, regardless of whether or not they operate a business?

No. Their own business insurance would provide coverage for them.  Those interested in purchasing a separate policy should contact our broker at chrisf@lms.ca for information about an affordable, accessible policy available to CPSAC members.

Are technicians, instructors, and instructor trainers who are certified members in good standing with CPSAC insured if they are employed by a company and the company pays them to install people’s car seats?

No. The company they work for needs to have their own business insurance that would provide coverage for them.

Are technicians, instructors, and instructor trainers who are certified members in good standing with CPSAC insured if they are installing car seats with people who are not trained by CPSAC?

Yes, but only the people from CPSAC are covered. Be careful about co-signing any document that is contrary to CPSAC’s policies.

Are technicians, instructors, and instructor trainers who are certified members in good standing with CPSAC insured if they are volunteering for another organization, such as SEATS for Kids or IWK?

Yes, as long as the seat check form and liability waiver is comprehensive. If you are using your own seat check form please provide a copy in advance to CPSAC for confirmation. Please allow ample time for feedback.

Is there liability for us to work at the same event with other organizations who were not trained to the same standard?

No, but only the people from CPSAC are covered. The other organizations would need to rely on their own insurance. Be careful about co-signing any document that is contrary to CPSAC’s policies.

Will our insurance cover the member “screwing up” (misinformation/incorrect info/etc) and causing an injury later?

Yes. Coverage includes defense of CPSAC and the member, and compensation for a third party victim.

Will our insurance cover the member causing an injury at the time of a check?

Yes, under Comprehensive General Liability.

Will our insurance cover the member damaging the vehicle in some way?

Yes

Will our insurance cover a child or parent somehow becoming injured at a check or clinic?

Yes

Will an event need to be labelled or advertised in any particular way in order to be covered by this insurance?

No, all events approved and endorsed/sanctioned by CPSAC are covered by insurance, and they do not need to be labelled or advertised in any particular way. Private checks, public or private clinics, education sessions for both public and private audiences are pre-approved CPSAC endorsed and sanctioned events. If you are providing some other service that is not on the pre-approved list, please contact info@cpsac.org for Board approval, two weeks (or more) before your event. Please also consider submitting your events to the publicly available events calendar.

Will there be a charge for certificates provided to locations we are using for our event?

If your location has asked for proof of insurance, we can provide a certificate, free of charge. Email info@cpsac.org with location, business name and date and we can get you this certificate. Please allow two weeks (or more) before your event to receive a certificate.

Will our insurance cover liability at public clinics for the organizer and the location owner?

Yes

Will our insurance cover an outside force (3rd party, such as lightning, other vehicle, violent criminal etc) injuring someone or damaging a vehicle at a check or clinic?

No, but this would not be an issue unless a member is proven to have been negligent. Do not do seat checks in lightning storms and use common sense to keep everyone safe.

What about checks where no comprehensive forms are filled out for some reason?

It is always preferable to use a comprehensive check form. Where it is not practical, such as roadside stops, use a shorter, quicker form. If this is not possible, document in some way showing CPSAC’s standards were followed even if the interaction was brief. Keep notes. If you participate in roadside stops and require coverage by CPSAC’s insurance (i.e. you are not otherwise insured by an agency or group you are working with) please provide a copy of the documentation form you intend to use.

Will our insurance cover a member becoming injured at a check or clinic?

Not covered, members should ensure they are covered under their provincial health plan and/or third party provider.

Can I see a copy of CPSAC's insurance policy?

Our insurance company has provided this document for member information.

It is critical to note that seat checks or installations must be documented at all times in a legible and clear manner. Certified CPSAC members are encouraged to use a comprehensive form available for download here, or may use a comprehensive seat check app in development here.