Example: No Civil Liability Incurred

In the majority of claims, no civil liability is incurred. In fact, it must absolutely be established that the educational institution or association was at fault for parents to be indemnified.

For example, if Johnny is hurt while participating in a summer-camp activity and must be taken to hospital by ambulance, who will pay the transportation expenses?

If the summer camp has no accident insurance, Johnny’s parents will have to foot the bill. The parents cannot sue the camp because there was no negligence. The activity was supervised, and the playing field was in good condition.

However, if the camp counsellor does not know exactly what to do and decides to drive the child to the hospital, in so doing aggravating the injury, the camp would run the risk of being sued for negligence.

With Accigroup or Accigroup Plus, the summer camp can avoid an annoying and very costly situation by informing its counsellors of the camp’s accident-insurance protection.