Insurance Requirements at the Library

Insurance is mandatory for all rentals that take place in municipally operated or permitted facilities. Insurance is also required for certain program presenters when delivering programs for the library. Insurance provides protection against third-party liability claims resulting from an injury to a third party and/or damage to their property. The City of Peterborough does not provide insurance coverage for your event or program.

There are two ways to provide a Certificate of Insurance to the City of Peterborough:

Insurance Program - Instant Risk Coverage 

Facility renters and program presenters have the opportunity to apply for coverage through Instant Risk, a third-party online insurance portal in which facility users can purchase coverage. If you choose to obtain insurance and your event can be covered through Instant Risk, a copy of your Certificate of Insurance will be automatically emailed to the City when your payment through the Instant Risk portal is complete.

• How to apply: Visit the Instant Risk online portal: peterborough.instantriskcoverage.com/login
• When to apply: Applications through the Instant Risk online portal must include the Facility Agreement number for room rentals or the Service Agreement number for program presenters. You will receive this number after your event is confirmed through receipt of a Facility Agreement or Service Agreement. The number can be found at the top of this agreement. Please do not apply for insurance until the City has confirmed your date.
• Questions: Questions regarding the Instant Risk program must be directed to the IRC staff team. You can reach out by accessing the live chat function within the IRC portal, emailing support@instantriskcoverage.com, or calling 1-800-517-1390. You can also check out the Help Document for frequently asked questions.

Please note that this program may not be able to extend insurance in every circumstance. Misrepresentation of activities may void any insurance provided.

Third-Party Coverage - Insurance company of your choosing 

Facility renters or program presenters can provide a Certificate of Insurance through a company of their own choosing. If you select this option, a copy of the Certificate of Insurance must be provided to the City for review and approval at least 14 days prior to your event date.

Please advise your insurance provider of the following requirements. Failure to include this information on your Certificate of Insurance will result in a request for a revised certificate. This can result in delays in your approval and the possible cancellation of your event or an activity associated with the event:

• Name and address of the insurance broker providing the Certificate of Insurance
• Policy Number
• Term of Policy
• Type of Policy: General Liability Policy
• Limit of Policy: $2 or $5 million per occurrence (to be determined by the City of Peterborough)
• Named Insured (the 'Named Insured' on the certificate must be the same as the organization or the individual that is listed on the Facility Agreement)
• Address of Insured
• The corporation of the City of Peterborough is added as an 'Additional Insured'
• Specific description and location of event, and the specific activity of the named insured for which the certificate is issued (i.e. festival or event and specific operation or activity taking place, such as carnival rides, bouncy castle, fireworks display, animals, etc.)
• Dates and times of Event (include set up and take down dates)
• Signature of insurance provider or broker (certificates are signed)
• 30 days notice of cancellation must be provided on the certificate listing: The Corporation of the City of Peterborough, 500 George Street North, Peterborough, Ontario, K9H 3R9
• A cross-liability or severability of interest clause
• Insurers must be licensed to transact business in Ontario
• If the event includes transportation of participants or equipment, the City will require confirmation of Automobile Insurance with a minimum of $2 million per occurrence. Any other means of transportation used for an event must also provide proof of insurance (i.e. aircraft, watercraft, etc.).