Risk Management

Looking to rent one of the Township of Centre Wellington’s many facilities?

• Township staff are available to help you find the appropriate venue for your activity. Please email bookings@centrewellington.ca .
• Anyone renting a Township facility or space must obtain or confirm that they have Liability Insurance to cover their activities.
• If you do not already have your own adequate coverage, the Township will be able to provide this through the Game Day Insurance program.

Insurance coverage is mandatory to rent any municipal spaces, sports fields, or parkland. All facility users have two options:

• Option A - Purchase liability insurance through the Township using the Game Day Insurance program during the booking process; or
• Option B - Provide proof (Certificate of Insurance listing the Township as an additional insured) that they already have obtained liability insurance that meets the Township of Centre Wellington’s liability insurance requirements for facility users.

NB: Insurance limit requirements vary depending on the activity; however, a minimum of $2 Million liability insurance is required.  This amount may change depending on the risk level associated with the activity. High risk sports or activities may require a high coverage.

Under Construction - stay tuned

If you incurred costs for which you believe the Township may be responsible, you must follow the process outlined below to have your claim considered. In some situations you are required to place the Township on notice within 10 days of the incident.

According to the Municipal Act,

1. notification of a claim must be in writing
2. anyone with a claim arising from an incident that occurred on a highway or bridge (including but not limited to a sidewalk, boulevard, or roadway) must submit their claim, detailing the location of the incident and the injury complained of, within 10 days after the injury occurred
3. failure to give notice may be a bar to recovery.

To ensure your claim meets the notice requirement, please forward your claim to the following address within the 10-day period.

Regular mail:

The Corporation of the Township of Centre Wellington

1 MacDonald Square, Elora, ON N0B 1S0

Attention: Purchasing & Risk Management

claims@centrewellington.ca 

Fax: 519-846-2074

Note: Payment for property damage or bodily injury is contingent upon the Township being found legally liable.

We suggest that in all cases of damage you contact your insurance company or broker. If your insurer believes the Township is responsible for your damage, they will seek compensation on your behalf as stipulated in your insurance policy. Depending on the situation you may be eligible for more compensation from your insurer than you can recover from the Township.

To fill out a Claims Form click here.

To obtain a pdf of the Claims Form, click here.

Upon receipt of your claim information by the Purchasing & Risk Management Division you will receive confirmation of your claim. Purchasing & Risk Management will initiate an investigation based on the information provided. The claim may be referred to an independent insurance adjuster in order for the adjuster to conduct the investigation into the facts and circumstances of the incident and to determine whether the Township is legally liable for your claim.

Due to the uniqueness of each claim, the timeline of a decision of a claim will vary.

In the interim, common law requires you to mitigate your damages. If you have any questions about the claims notification process, please email us at claims@centrewellington.ca 

In cases of extreme storm events such as heavy rain, snowstorms or windstorms, a higher volume of claims received by the Township may extend the time it takes to process insurance claims. You should contact your own insurer about your loss. Repairs may be expedited by making a claim through your insurance company.

You may want to confirm jurisdiction over the road you were travelling before submitting a claim. Submitting your claim to the correct road authority first will save you time in getting a response.

For claims involving the County of Wellington, for example, vehicle damage on a regional, please contact the County of Wellington, Purchasing & Risk Management Division, at 519-837-2060.

For claims involving the Ministry of Transportation, for example, vehicle damage on Highway 6 (with the exception of the connecting link) , please contact the MTO Risk Management Department at 416-314-3445.

The Township will not be held responsible for your costs unless you can provide evidence that the Township committed a negligent act or omission which resulted in injury or damage. Like most Canadian municipalities, the Township of Centre Wellington only compensates when it is legally liable for the damage sustained. This approach helps to reduce costs for the taxpaying public, who ultimately bear the cost of these claims.

Whenever damage to Township property is caused by a third party, the Township will seek recovery of the related costs from the responsible party (example – damage to property such as street lights, hydrants, guard rails, etc.)

Looking for more information?  View our Frequently asked Questions document.