THE CANADIAN KENDO FEDERATION
Insurance Policy

The CKF Liability Insurance

A brief description and instructions for obtaining a Certificate of Insurance.


Preamble

Many facilities require user groups (in our case, Kendo, Iaido and Jodo clubs) to carry liability insurance. Even if insurance is not required by the facility where your group trains, liability insurance is important. Because no matter how careful you are, accidents happen. And you can be sued by anyone who claims injury or damages resulting from your activities. You may not be liable, but you will need to be defended in court. A liability policy will pay for this defence as well as any costs awarded against you. In short, liability insurance gives you peace of mind. It is important to understand that what liability insurance IS NOT. It IS NOT accident insurance. It will not pay you if you trip and break your wrist, or cut yourself with a sword. Moreover, it will not pay you if your partners Jo Bokken or Shinai came too close and hit too hard. It will cover your defence if SOMEONE ELSE claims that they were injured (physically or otherwise) by your action or inaction.

Who is covered?

All members in good standing of the CKF that have their dues paid. Any volunteers or employees while working for a CKF member dojo in a capacity related to the dojo activity.

What you need to do?

Nothing specific. As long as your CKF dues are paid up you are covered by this liability insurance. In many situations, a facility or an event you are hosting will require a proof of your liability insurance coverage (often referred to as a Certificate of Insurance) in which the facility or organization will be named as co-insured. This document can be easily obtained (allow at least 2 weeks for this). Send the particulars of the event (location, duration etc.) and the details of the co-insured (full name and address) to Treasurer John Maisonneuve and a certificate will be forwarded to you.

Make sure that all members of your dojo and all participants in events are covered by checking that their CKF dues are paid for the current year.