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The underwriter (certain underwriters at Lloyd's of London) and the coverage premiums are the same for USA and Canadian customers.

The Master Policy Wording for US and Canada is essentially similar in meaning and scope but specifically prepared for each Country.
The Master Policy is issued to the Westminster Group. ICF Members are automatically members of Westminster Group, so as an ICF member you automatically qualify.
All members of the Westminster Group may take advantage of this insurance. How active you are in the Westminster Group is down to you.

This coverage is claims made and that means the underwriter will deal with a valid claim they are advised of during the policy period that relates to an incident that occurred on or after the retroactive date (your existing retroactive date will be maintained if renewed within 30 days of the expiry date of your expiring coverage)

Example premiums based on coverage of: $1Million per claim /$1Million in aggregate of all claims

  Class 1 Class 2 Class 3
YEAR 1 140 165 340
YEAR 2 155 195 380
YEAR 3 170 215 503

For the first 3 years of cover (that is from the retroactive date) the premium rises each year. There is no premium rise after year 3. Fees and tax (where applicable) will be added.

The premiums shown above are based on business gross revenue up to $100,000 per year (incomes up to $1,000,000 a year can be covered at an additional premium)

The premiums shown above are based on $1Million per claim /$1Million in aggregate of all claims. For an additional charge the following coverage options are available:

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