Come grow with us!

Insuring

Here in Calgary, the City requires groups using public land to carry $5 million public liability insurance as part of its leasing agreements. 

Insurance for LOC Land

The City of Calgary prefers community gardens be built on  License of Occupation (LOC) leased sites that are occupied by your community association. This way the liability insurance can be provided by extending the existing coverage held by the community association.

If the garden is on City of Calgary Parks land leased to and managed by a community association, work with the community association board to extend the existing insurance coverage to include the community garden.  Make sure to mention that no heavy machinery will be used at the site after construction is completed. 

If your community association does not have a lease for any public land, a new LOC lease can be arranged.  Alternatively, if the community association has an existing LOC lease and just needs more land to host your community garden, a land lease amendment can likely be obtained by working with the City of Calgary Parks Community Strategist staff and the community association board.

Insurance for Other Public Land

It is much more expensive to obtain stand-alone liability insurance coverage for a community garden on public land where there are no existing programs with liability coverage.  Such fees dramatically change the scale of the garden's annual funding needs so we suggest looking for alternative sites that are more affordable to insure.

Insurance for Public Gardens on Private Land

If you manage to lease private land for your public community garden, one of the land owner's first concerns will likely be about liability.  Some private landowners arrange additional coverage on their existing liability insurance coverage as their contribution to the community garden.  Others require that the garden carries its own liability insurance. This can be challenging if the garden is an informal group instead of a registered society.  Some private land owners may be willing to have all participants sign a "Hold Harmless" clause which will absolve them of  liability and will not provide coverage for the injured.

An example of a "No Harm" clause might read something like:  "I understand that neither the garden group nor owners of the land are responsible for my actions. I therefore agree to hold harmless the garden group and owners of the land for any liability, damage, loss or claim that occurs in connection with the use of the garden by my guests or me."