1. Risk Management -Insurance and ProtectionPerspective Rotary District 9820 2016 Seminar District Insurance Officer - Frank Spiteri District 9820 acknowledges the substantial support received from PDG Peter Kaye over many years. Rotary District 9820

2. Session in two Parts  Summary of the Insurance Covers  Risk Management Rotary District 9820

3. Summary of Covers

4. Rotary District 9820 Public Liability  Public/Products Liability$50,000,000  Molestation$ 2,000,000  Statutory Liability (Fines & Penalties) $ 150,000 Deductibles:  Public/Products $ 1,000 (Nil for individuals)  Molestation $25,000  Statutory Liability $ 5,000 ($1,000 for individuals)

5. Rotary District 9820 Common Activities excluded Public Liability Program   Trains or railways other than model railways used for amusement rides   Animal Rides  Claims arising from participation in any sport, game, match, race, practice, training course, trial, contest or competition other than as the organisers

6. Personal Accident Insurance Who is Covered - Who is Covered - Members of Rotary, other Rotary Bodies and Volunteers, whilst participating in a formal Rotary activity. Members of Rotary, other Rotary Bodies and Volunteers, whilst participating in a formal Rotary activity.

7. Rotary District 9820 Travel Insurance Who is Covered - Who is Covered - Members of Rotary, other Rotary Bodies and Volunteers, whilst participating in a formal Rotary activity and including up to 60 days personal travel. Members of Rotary, other Rotary Bodies and Volunteers, whilst participating in a formal Rotary activity and including up to 60 days personal travel.

8. Rotary District 9820 Property Insurance Automatic cover for : Automatic cover for :  Static Rotary property/assets up to $50,000 $ 1,500 excess $ 1,500 excess  Members personal property up to $5000 $5000 $ 500 excess $ 500 excess

9. Miscellaneous  Trailer/Caravan/Bbq. Automatic cover for up to $10,000 (CMV) Automatic cover for up to $10,000 (CMV) per unit. per unit. $500 excess $500 excess  Association Liability

10. Risk Management

11. Risk Management Important ?  Our insurers base their premiums and covers on the information provided, with an on the information provided, with an expectation that clubs will provide members expectation that clubs will provide members with the appropriate training and tools in order with the appropriate training and tools in order to mitigate the risks as per the information to mitigate the risks as per the information supplied to the Insurer. supplied to the Insurer.  Surety of cover  Paper Trail/Defence Rotary District 9820

12. Risk Management Club Level  Clubs practice appropriate Risk Management protocols protocols  Clubs should always complete Site Risk Management forms for off-site exposures Management forms for off-site exposures  Clubs practice the protocols as declared in the Rotary Australian Youth Abuse and Harassment Rotary Australian Youth Abuse and Harassment Prevention Policy. Refer to District Website Prevention Policy. Refer to District Website Contd.... Contd.... Rotary District 9820

13. contd…………. contd………….  Ensure Form 3 Volunteer Decs/ Working with Children Checks are registered, up to date and Children Checks are registered, up to date and appropriately recorded appropriately recorded  All incidents must be reported to The District Secretary or DIO within 3 days Secretary or DIO within 3 days Rotary District 9820

14. Rotary Project ?? A Rotary Project must meet the following criteria A Rotary Project must meet the following criteria  The project must be a worthy community activity  It must be 100% Rotary “owned”  The organising committee should be made up mainly of Rotarians, practising Rotary Risk Management.  All monies raised must go to a specific Rotary account.  The event to be publicised as a Rotary activity.

15. Markets Markets All outside vendors participating in a Rotary Market,(or other Rotary event), must show evidence of Public and Products Liability Insurance to an amount of $10,000,000. All outside vendors participating in a Rotary Market,(or other Rotary event), must show evidence of Public and Products Liability Insurance to an amount of $10,000,000. If this cannot be supplied, the vendor(s) must pay a $6 fee to the Rotary Club for forwarding to the insurer. If this cannot be supplied, the vendor(s) must pay a $6 fee to the Rotary Club for forwarding to the insurer. Refusal to provide evidence, or participate in the Rotary Insurance scheme means –No Entry !! Refusal to provide evidence, or participate in the Rotary Insurance scheme means –No Entry !!.

16. Markets Markets Stallholder’s Public & Products Liability Insurance. Limit of Indemnity $10,000,000 Deductible $500 NOTE: This policy is seperate and stand alone and does not part of the alone and does not part of the annual Rotary Insurance Program annual Rotary Insurance Program

17. Markets Markets Note: The below products are not covered by the policy. The stallholder must be made aware of this if they The stallholder must be made aware of this if they participate in the Stallholders Public Liability scheme participate in the Stallholders Public Liability scheme  Second hand mechanical/electrical goods and toys (new mechanical/electrical goods and toys will be covered);  Medicines, potions, oils, fragrances, soaps and beauty products (but oils, fragrances, soaps and beauty products will be covered if predominantly consisting of natural ingredients);  Massage, manipulation, chiropractics or similar;  Hazardous, flammable or dangerous goods.  There is no cover for massage therapies or treatments provided by stallholders.

18. Markets Arranging the cover is simple. All you need do is complete the Market Liability Insurance Declaration form immediately after the market and forward it, along with payment, ($6.00 per stall holder, per market) to The insurer at the following address:- All you need do is complete the Market Liability Insurance Declaration form immediately after the market and forward it, along with payment, ($6.00 per stall holder, per market) to The insurer at the following address:- Bozena Wolkowska Bozena Wolkowska One Underwriting Level 51, 201 Kent Street SYDNEY NSW 2000 Tel: (02) 9253 7455 Fax: (02) 9253 7448 Email: bozena.wolkowska@oneunderwriting.com.au bozena.wolkowska@oneunderwriting.com.au

19. Things to Remember Things to Remember  Any planned major event should be discussed with the DIO or DG with the DIO or DG  Rotary Clubs cannot run, or jointly run, another organisation’s project so that it can be another organisation’s project so that it can be covered under Rotary’s Liability policy covered under Rotary’s Liability policy Discuss with the DIO. Strict conditions apply Discuss with the DIO. Strict conditions apply  All sub-contractors and stallholders must provide evidence of their own Liability Insurance cover to evidence of their own Liability Insurance cover to an amount of $10mil. an amount of $10mil. Rotary District 9820

20. Youth Programs Youth Programs The RI Statement of Conduct for Working with Youth applies to all Youth activities and includes, but is not limited to, the following Rotary Programs conducted in D9820. RYPEN Rotary District 9820

21. RI Statement of Conduct for Working with Youth with Youth “Rotary International strives to create and maintain a safe environment for all youth who participate in Rotary activities. To the best of their ability, Rotarians, Rotarian’s spouses and partners, and other volunteers must safeguard the children and young people they come into contact with, and protect them from physical, sexual and emotional abuse”. Rotary District 9820

22. What is Certification? What is Certification? Certification is a mandatory RI risk management strategy developed for the safety of students. Upon compliance RI will grant a District “certification status”. In turn the District will grant “certification status” to compliant clubs on an annual basis. Non-compliant Districts or clubs are not permitted by RI to host or sponsor YEP students or be involved in any other youth program. Rotary District 9820

23. Club Protection Officer The duties of the CPO The duties of the CPO  Assist Volunteers with WWC and Form 3 Volunteer Declaration Declaration  Co-ordinate the screening of volunteers  Maintain records and ensure appropriate filing of.  Send a copy of The Form 3 Volunteer Dec. To District  Forward to the DIO a record of screened volunteers  Ensure allegations of abuse are appropriately handled  Ensure that all of the club’s duties in relation to hosting and or sponsoring student activities are carried out and or sponsoring student activities are carried out  Organise 1 Club Meeting per year for info and training Note: CPO should be a Rotarian who is not involved in the club’s Youth Exchange Program. club’s Youth Exchange Program. Rotary District 9820

24. Who Requires a WWC/ Volunteer Declaration Any person aged over 18 yrs (adult), who is involved with a Rotary Youth Program activity and has direct interaction or access to youth/students, during which time harm or abuse of youth can take place Referred to as a Volunteer Rotary District 9820

25. Volunteer Declaration (Form 3) Why is a Form 3 Volunteer Declaration necessary? “The WWC does not assess a person’s suitability to work with or care for children in a particular role. It is the responsibility of organisations to do t hat.” “The WWC does not assess a person’s suitability to work with or care for children in a particular role. It is the responsibility of organisations to do t hat.” Extract from WWC legislation Extract from WWC legislation

26. Volunteer The term includes all District Youth Exchange Committee members, all club counsellors and their partners and all host family members over 18 years of age and are staying in the family home while the student is living there. It may also include but is not limited to Rotarians or others who take students on organised Rotary events, or adults looking after YEP students in situations where a reasonable opportunity for abuse exists. Rotary District 9820

27. Volunteer Declaration  All ‘‘adults’ participating in a Rotary Youth activity shall complete a Form 3 Volunteer activity shall complete a Form 3 Volunteer Declaration Declaration  It is a statement declaring whether he/she has ever committed, been guilty, or been ever committed, been guilty, or been accused of a crime against a child or young accused of a crime against a child or young person. person.  3 personal referees ( 1Rotarian allowed)  Previous experience with youth  Criminal history check (WWC ) Rotary District 9820

28. Responsible Adult Any adult who, for a short period of time, is responsible for the caring, or recreational experience of youth involved in a Rotary program. This person will not have been police checked (Working with Children Check) or formally reference checked (Form 3 Volunteer Declaration), because there was either insufficient time to do so before the experience, or the experience is such that there is virtually no opportunity for sexual misconduct or abuse to occur. Contd..... Rotary District 9820

29. Responsible Adult cont’d Responsible Adult cont’d A student’s host family and/or club counsellor needs to be satisfied, in the same way a conscientious parent would be satisfied, that this person would be suitable for their own teenage son or daughter to stay with for a short period of time. Rotary District 9820

30. FAQs Our club does not participate in the Youth Exchange Program, must we have a CPO, Form 3 Volunteer Dec and Working with Children Check ? Only if your club participates in any program involving youth Rotary District 9820

31. FAQs Can an Inbound Youth Exchange Program student travel to another District or another Country ? Yes – providing the student has completed a “Level 3 Travel Request” form (available from their YEP Coordinator) and approved by the District YEP Chair Rotary District 9820

32. FAQs I have completed a Form 3 Volunteer Declaration and hold a Working with Children Check, can I, without the company of another adult, take an Inbound student by car to another city/town? Single adult travel is strongly discouraged for the sake of both you and the student. Rotary District 9820

33. Reference Resources  National Insurance and Risk advisor-PDG Peter Kaye  District Insurance and Protection Policy. Refer to District Website Refer to District Website  RI Code of Policies  Working With Children Legislation (WWC)