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Registered Student Groups are subject to compliance with the rules and regulations of the Student Success and Experience team and the policies and procedures of the university (e.g. UAPPOL Student Groups Procedure, UAPPOL Alcohol Policy). Individuals within registered student groups are also subject to the Student Conduct Policy.

Whilst the university's insurance programs do provide insurance cover for approved events that are directly tied to the university's core academic mission, and the event is supported by the Faculty Dean, the university’s insurers' deductibles that are applicable to these events are higher than the risk exposure. This results in significant self insured costs for a student group if an insurance claim occurred. The university is not able to obtain lower deductibles. Therefore student groups may be required to purchase insurance for a single-day or multi-day event or a 12-month period. Student groups are ultimately responsible for discussing their liability and insurance needs with an insurance broker licensed to transact insurance business in Alberta.

The university’s insurers will not provide any coverage for any property, equipment or assets owned by a student group or in instances where it is acting in protest against the university or for conducting any intentional or illegal act.

A student group must purchase its own annual insurance if it:

• is an incorporated or limited society/association that is required to file annual documents with the government, regardless if it is for profit or non-profit
• is a fraternity or sorority
• organizes or teaches lessons in physical activity (e.g. dancing, yoga, etc.) on a regular basis
• organizes or provides instruction/mentorship to minors who are not students at the º£½ÇÉçÇø on a regular basis
• enters directly into a contract/agreement with a third party (student groups cannot enter into or sign a contract on behalf of the University)
• owns any personal property and/or equipment

A student group must purchase its own event insurance if it:

• hosts/organizes on and/or off-campus alcohol related events - one day or reoccurring event coverage which must include host liquor liability
• hosts/organizes a major function on campus involving over 150 people - one - day or re-occurring event coverage
• hosts/organizes an event including physical activities, including but not limited to, sport, outdoor recreational activities, and fitness classes where an individual is providing instruction
• hosts/organizes an event for which it enters directly into a contract/agreement with a third party (student groups cannot enter into or sign a contract on behalf of the University)
• hosts/organizes an event where it provides consulting and/or advisory services to third parties, whether under contract or not
• hosts/organizes an event where minors who are not students at the º£½ÇÉçÇø will be in attendance

Student groups hosting any other events or activities are recommended to purchase insurance. See below for more information to help your group assess your risks and understand what insurance products may mitigate these. A student group is ultimately responsible for consulting a broker licensed to transact in Alberta to determine its insurance coverage and limit requirements

Common insurance policies used to mitigate risks

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 º£½ÇÉçÇø and the named insured. Such insurance shall add "The Governors of the º£½ÇÉçÇø" as an additional insured.
   • Mandatory if group is an incorporated or limited society/association and required to file annual documents with the government, regardless if it is for profit or non-profit.
2. All Risks Property Insurance covering the property owned or leased by the student group (if applicable). This policy shall waive all rights of subrogation against "The Governors of the º£½ÇÉçÇø.
   • Optional depending on the group's structure and needs.
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 º£½ÇÉçÇø" as an additional insured.
   • Mandatory for all groups organizing events on and/or off campus where alcohol is served. All alcohol events must be approved by Student Success and Experience in advance of the event.
4. Errors and Omissions/Professional Liability in the amount of not less than $1,000,000 inclusive per claim arising from wrongful acts in the course of providing consulting and/or advisory services.
   • Mandatory for all groups that provide consulting/advisory services to third parties.
5. Any other insurance that may be recommended by your insurance broker.