Generally speaking, student groups/clubs that are registered with the University are covered under the University’s general liability insurance against legal liability claims from third parties while carrying out activities/functions/events approved by the University. This is subject to compliance with the rules and regulations of the Student Group Services, the Code of Student Behaviour and the policies and procedures of the University (e.g. – Alcohol at University Events Policy).
If the student group
a) is an incorporated society/association that is required to file annual documents with the government, regardless if it is for profit or non-profit
b) conducts high risk activities that are not approved by the University,
c) hosts off Campus Alcohol related events, or
d) organizes a major function on campus involving over 400 people where alcohol is served
the group MUST PURCHASE ITS OWN INSURANCE
Insurance Requirement for Student Groups
1. Comprehensive General Liability in the amount of not less than two million dollars ($2,000,000) inclusive per occurrence against third party claims for bodily injury, personal injury and property damage arising out of the ownership, use of all premises and/or business activities/operations of the Student Group. Such insurance shall include, but not be limited to, blanket contractual liability, tenants legal liability, non-owned automobile liability, cross liability and severability of interest as between the U of A and the named insured.
Such insurance shall add the Governors of the University of Alberta, The Students’ Union and the University of Alberta as additional insureds.
2. If applicable, All Risks Property Insurance covering the property owned or leased by the Student Group. This policy shall waive all rights of subrogation against the Governors of the University of Alberta, Students’ Union, the University of Alberta, its directors, officers, employees, and agents.
3. Host Liquor Liability for alcohol related activities in the amount of not less than two million dollars ($2,000,000) inclusive per occurrence against third party claims for bodily injury, personal injury and property damage as a result of providing alcoholic beverages to any person or persons at an event hosted by the Student Group.
Such insurance shall add the Governors of the University of Alberta, the Students’ Union, and the University of Alberta as additional insureds.
Item 1 Mandatory for the group that is incorporated as society/association and required to file annual documents with the government, regardless if it is for profit or non-profit
Item 2 Optional depends on the group’s structure and needs
Item 3 Compulsory for all groups organizing major alcohol related events on/off campus where alcohol is served (e.g. Beer Gardens)