Consolidated Insurance Program

Coverage under the NPF CIP includes all Non-Public Property (NPP), business or economic undertakings of CANEX, messes, Base/Wing/Station Funds, PMQ councils, and the CFCF. 
 
Unit, Squadron and Branch Funds are covered if they are accounted for in the Base/Wing/Station NPF accounting records and their funds are deposited in the Base/Wing/ Station bank account. Trading activities operated by these funds will be covered if they make central fund contributions. Additionally, all museums operated by units of the Regular Force are covered, and accredited museums of the Reserve Force under CFAO 27-5 may also be covered.

Payment of Premiums 
All premiums for the NPF CIP are paid by the CFCF and the cost is borne by the CFCF as part of the assistance programs to units. Arrangements for payment of these premiums are the responsibility of the Chief Financial Officer. 

Deductibles on Claims 
Bases/wings, CANEX, CFSU(O) - $5,000 
Ships and small units - $500

• Property. Property of every description, such as, buildings, equipment, furniture and effects and inventory are covered. This includes property for which NPP may be any way responsible, during construction or while in transit or situated anywhere in the world. Items on loan or consignment may also be covered. Property includes money and PMQ/ Community Council property.
• Comprehensive General Liability. NPP operations and activities are covered for legal liability for death/injuries or damage/loss to property of third parties. 
• Motor Vehicle Liability. Coverage includes legal liability for the operation of NPP-owned vehicles and non-owned vehicles (lease), in respect to bodily injury/death or damage/loss to property of others arising out of the ownership/use of such vehicles subject to standard automobile policy. This coverage includes coverage supplement limits imposed by Insurance coverage of European policies on NATEX vehicles.
• Environmental Damage Liability. Provides coverage for bodily injury/ property damage/clean-up cost on or off premises due to tank release.
• Group Accident. 24 hour business travel, provides Life, Paralysis, and Dismemberment coverage.
• Directors' and Officers' Liability Insurance. Provides coverage for defence, penal coverage and initial litigation expenses.

All occurrences where legal liability is involved, including NPF vehicle accidents, and property losses which are estimated to be in excess of $5,000, shall be reported to the Senior Analyst Consolidated Insurance Program by the most expeditious means.

• Furniture and equipment is insured at its current replacement cost less depreciation
• Merchandise is insured at its cost price
• NPF owned vehicles are insured for their actual cash value (or fair market value) as at the date of loss or damage
• Buildings are insured on the basis of replacement cost on the date of loss without deduction for depreciation.  If a building is lost by fire, etc, but is not replaced, settlement of the claim will be on the basis of the actual cash value (ACV). ACV is the current replacement value less depreciation.