INSURANCE
GENERAL
1. St. John Ambulance provides a comprehensive national insurance policy for all
St. John volunteers.
SUMMARY OF COVERAGE
2. The national insurance policy includes both a Commercial General Liability
Policy and a Blanket Accident Insurance Policy. This insurance covers all St. John
Ambulance patient care providers, community care service providers, instructors, juniors,
cadets, crusaders, other volunteers, as well as employees of St. John Ambulance.
3. The national insurance policy provides liability insurance for all volunteers of
St. John Ambulance while on official St. John duties. This insurance covers
volunteers for liability, court representation and loss of hours of work, if injured while
on duty (up to $400 per week). An official St. John duty is any duty or event approved by
St. John Ambulance.
patient care services
4. The national insurance policy covers patient care providers and instructors in
any instance in which first aid assistance is provided. Brigade members performing patient
care duties, with only Standard Level First Aid certification, are permitted to perform
only supervised public duties. However, in the event of an emergency or if BTS-trained
supervision is unavailable, an individual performing independent, unsupervised public
services is still covered by the national insurance policy, regardless of their level of
qualification.
professional medical personnel
5. The national insurance policy covers professional medical personnel (i.e.
doctors, nurses and emergency medical personnel) while they are volunteering for
St. John Ambulance. However, the national insurance policy does not include any
Professional Malpractice protection. This means that no matter what other qualifications a
person may have, they must rely on their professional or personal liability insurance if
they choose to exceed the mandate of St. John Ambulance community services while
volunteering as a member of St. John Ambulance.
therapy dog program
