Federation of Calgary Communities | Lloyd Sadd
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Federation of Calgary Communities

Lloyd Sadd offers a complete commercial insurance policy package to the Federation of Calgary Communities to ensure the unique risks associated with community based organizations continue to be protected at levels far greater than what’s available in the standard market place.

Federation of Calgary Communities

Since 2007, The Federation of Calgary Communities Insurance program, has continually been broadened by Lloyd Sadd Insurance to ensure that the unique risks associated with community based organizations continue to be protected at levels far greater than what’s available in the standard market place. The program offers a complete commercial insurance policy package where all elements of risk have been considered. With a large membership base and prudent risk management activities, we are able to negotiate the best terms and coverages available for all members of the program. Click Program features to find out more about how the Lloyd Sadd Insurance program protects your community association.


Customer Service

Part of the Customer service for the program is offering a convenient way of doing business. Each year we try to add services to this page to allow members of the FCC to manage their insurance. We also hope to include risk management and community safety measures to this page to help communities protect their members.


Lloyd Sadd Team

While we offer many services online, we know that most times it is best to speak with a person. Whether you prefer to do business on-line, over the phone or by email the same team dedicated to the Federation of Calgary Communities program is available to answer any questions you may have and provide an unparalleled level of customer service.



Neil Hogg, B.Comm, FCIP, CRM

Account Executive

Amanda Brooks

Account Manager

Michael Murray

Account Executive

Colleen Rossnagel

Account Manager



Online Service Requests

Click below to request a Certificate of Insurance for an event or for any business or entity requiring proof of Insurance for your community association.

Claims Service

Use the contact email or phone to get in touch, or to get a head start click, submit your claim to get started with the details of your claim.  A member of the service team will contact you within 24hrs during regular business hours.  You may also call our 24 hr claims line at 403.245.1177


Hall Rental Information

Your Commercial General Liability Insurance policy does not extend to cover third parties that are renting your facility for a special event. Learn more and find our where to refer your renters to ensure they have insurance when renting your facility.


Risk Management Resources

As your commercial insurance broker we are here to help manage your risk. We have added a selection of risk management tools to help manage risk for the types of claims that happen for community associations. We are available to help implement techniques to help manage your risk and prevent claims from happening in the first place.  This is only a small selection of items that we have available to our business clients. To request a resource that you do not see please click contact us so we can work on getting what you need to help manage your risk.

Contact Us

Cyber Liability Tool Kit

Businesses both large and small need to be proactive in order to protect against growing cyber threats. As larger companies take steps to secure their systems, smaller, less secure businesses are becoming increasingly attractive targets for cyber criminals. Click to download.


Avoiding Slip and Falls

Slip and Falls happen, but they can be avoided. Click to download our resource on prevention for slip and falls


Ballroom & Dance hall Risk summary

click to download a summary of the types of risks involved for ball rooms and dance halls.


Snow and Ice Removal Checklist

Click to download a checklist for snow and Ice removal

Features of the Program

Unique features and benefits available under the program are outlined here, however policy holders should review their policy documents for complete details.


  • Property of every description including newly acquired Property, property of others and property in transit
  • “All risks / Broad Form” policy subject to minimum exclusions.
  • The breadth of coverage meets or exceeds the City of Calgary requirements
  • Features included (but not limited to):
    • Agreed limits with no co-insurance penalties
    • Definition of location to amended to mean “anywhere in the community”
    • Replacement Cost
    • Building ordinance and bylaws
    • Extra Expense of $50,000
    • Growing plants, tress, shrubs or flower in the open of $10,000
    • Personal property of employees/officers of $2,500 ($25,000 total per occurrence)
    • Miscellaneous off-site property of $100,000
    • A long list of additional benefits as outlined in the coverage summary


Loss of Revenue

  • Available, if purchased, to cover a normal expected loss of income and continuing expenses at your premises as a result of a covered loss (fire, water damage etc.)
  • Actual loss sustained basis, so there is not worry about having enough limit.
  • At an off premises location: As a result of physical loss or damage to their property, your resulting loss of revenue ( up to standard $25,000 coverage)



  • Employee/Volunteer Dishonesty – limit increased to a minimum limit of $50,000
  • Loss of money or securities from a covered cause of loss inside/outside the premises and at banking premises
  • Policy extents to cover $15,000 funds transfer exposure.
  • Cyber liability related exposures such as social engineering, and other transfer, ransom & hacking risks – contact  us to discuss a specific cyber package.


Commercial General Liability

  • This coverage protects your association/society for its financial responsibility under Common Law and Statutory Law for injury or death of one or more people, and for damage to property of others.
  • In addition to insurance protection, the program offers Legal assist services – free contact to telephone legal advice as well as 24-hour Trauma Assist counseling service that  is available to help you, your employees and family members in the event of a “traumatic loss”.
  • Features include (but not limited to):
    • Defense costs (both for legitimate as well non-legitimate accusations made against you)
    • Available at all your premises as well as off premise
    • Breadth of coverage meets or exceeds the City of Calgary Requirements
    • Contagious Disease is included
    • To cover and address all of your organizations operations.
    • Employees & volunteers actions are covered
    • No participants exclusion (those involved in a sporting activity)
    • Liquor liability included
    • Non-owned automobile coverage
    • Tenants Legal Liability for protection to locations not insured / owned by others
    • Protection for claims made against the Association by employees and/or volunteers for injuries arsing out of their duties


Directors and Officers Liability

As a director or officer of a non-profit organization, you may be held personally liable for things such as employee discrimination, wrongful dismissal, breach of fiduciary duties, mismanagement of funds as well as the enforcement of association regulations and bylaws. There are no deductibles applied to any D&O Claims

It has been traditionally believed that the Directors and Officers of non-profit organizations have little liability exposure for their activities or for
the decisions made on behalf of the organization. This is not the case, as evidenced by the increasing numbers of legal actions being brought
against directors and officers of non-profit organizations.

This coverage will pay for those covered losses where one or all of your Directors or Officers become legally obligated to pay as a result of any
error, breach of duty, neglect, omission or other act done or wrongfully attempted by them on behalf of your association.

The current version of the policy has the added benefit of having defense costs in addition to  the limit of protection. This ensures that the level of protection isn’t eroded by the costs associated with defending the suit.


Equipment Breakdown

  • If purchased, adds coverage that is excluded from most property policies for loss arising from the sudden and accidental breakdown of insured equipment
  • “Functional” replacement cost applies
  • Includes spoilage up to $25,000
  • Increased sub-limits for water escape, hazardous substances and ammonia contamination of $500,000 each as a result of an insured claim
  • Extension for Extra expenses for $100,000
  • Business Interruption extension (if the business interruption coverage was purchased as noted above)


Accident and Sickness

  • If purchased personal accident coverage is available to all members of your Association in the event of an accident while participating in sanctioned activities.
  • Coverage under this program is intended to be “top-up” coverage over and above Alberta Health Care or private health care plans (such as an employee benefits plan)
  • Coverage will include travelling directly to or from the approved activity with other insured members as a group (2 or more insured members together).
  • Principal Sum = $15,000.00
  • Coverage, at various limits, are available for items such as (but not limited to):
    • Loss of life
    • Loss or use of hands and/or feet
    • Weekly income (maximum benefit and conditions apply)
    • Medical Expense reimbursement (subject benefit of $15,000)
    • Accidental Dental ($5,000.00 is available for injury to whole and sound teeth  –$2,000.00 maximum for any contact sports)
    • Fracture Benefits to $1,000