1. Presented by Rotary International Risk Management Department
U.S. CLUB AND DISTRICT LIABILITY INSURANCE PROGRAM
U.S. Rotary Club & District Liability Insurance Program (U.S. Club Program) provides liability insurance protection to all active U.S. Rotary Clubs & Districts. The insurance program is financed by Rotarians – via insurance assessments to RI on the 1 July Club Invoice (annual charge in July).
There is no application or sign up necessary to activate this liability insurance coverage.
Presented by Rotary International
Risk Management Department
Carol Dietz
20 July 2017

2. What Presidents need to know
The insurance program is for all active U.S. Rotary clubs and districts – participation is mandatory
Resources include: Website / insurance broker / RI’s Risk Management Dept.
Claims (and incidents) need to be reported
The insurance is paid for by U.S clubs – the premiums is determined each year and billed on the club’s July Invoice
Rotarians have various means of obtaining information relating to the Insurance Program.
Internal to RI - Rotary Publications: Lead Your Clubs, Lead Your District – includes general information about the US Rotary Club & District Insurance Program
Insurance Broker (Lockton) Insurance Portal – accessible to all U.S. Rotarians - contains insurance and risk management documents including: certificate of insurance, claim incident report forms, loss control guidelines, policies, policy summaries, Frequently Asked Questions, and other announcements or documents relevant to the Insurance Program.
RI Risk Management – dedicated address for insurance inquiries and claims
Insurance Broker – dedicated address & toll-free phone number staffed by dedicated team of insurance professionals who issue Additional Insured endorsements and answer insurance questions and inquiries ings from Risk Management throughout the year – annual mailings to club and district officers, providing information about insurance, the Insurance Portal link, information relevant to clubs’ activities
Also on the portal - other announcements or documents relevant to the Insurance Program.

3. Why Presidents need to know about the Insurance Program
To save money / clubs don’t need to purchase duplicate coverage
Claims – Clubs are not on their own; claims (and incidents) should be turned over to the insurance company to handle
To save time – clubs can quickly obtain a certificate of insurance / access information about the Program
Resources available may help a club reduce or avoid a claim – Loss control, contract provisions, etc.

4. THE INSURANCE PROVIDED IS:
General Liability (GL)
Directors’ & Officers’ / Employment Practices Liability
(D&O / EPL)
General Liability insurance (“GL” insurance). This has been provided through RI for over 16 years, since July 1st, 2001.
Proof of insurance or a certificate of insurance evidencing GL insurance is oftentimes required to receive permission to hold or participate in an event or activity.
Example: Rotary club organizes a fundraiser. During this fundraising event, an attendee trips and falls and injures himself. In many cases, the injured person will file a claim or a suit against the Rotary club for this occurrence.
Directors’ & Officers’ and Employment Practices Liability Insurance, known as “D&O/EPL” or just “D&O” insurance.
This has been provided through RI since January 1st, Before, several Clubs and Districts were purchasing this type of insurance on their own.
Because most insurance questions relate to Club and District events and activities, GL insurance is the focus of this presentation
All other coverages must be purchased locally

5. TYPICAL GENERAL LIABILITY CLAIMS
Tripping over an obstacle such as cord, curb, or other objects
Slip & Falls (Bodily Injury)
To the venue used for an event (damage to walls or the floor)
Property Damage

6. Role of the President as respects the Insurance Program
The President is the point person for their club’s claims
Information – Officers of club receive mailings with information on the insurance program – rates, coverage changes, etc.
Share information – provide resources to club members involved in fund raising events

7. Resources - WHERE TO DIRECT OTHERS TO FIND INFORMATION
Lockton (insurance broker)
Toll Free:
RI’s Risk Management
Website set up for U.S. Rotarians
s from Risk Management to Club & District Officers
Rotarians have various means of obtaining information relating to the Insurance Program.
Internal to RI - Rotary Publications: Lead Your Clubs, Lead Your District – includes general information about the US Rotary Club & District Insurance Program
Insurance Broker (Lockton) Insurance Portal – accessible to all U.S. Rotarians - contains insurance and risk management documents including: certificate of insurance, claim incident report forms, loss control guidelines, policies, policy summaries, Frequently Asked Questions, and other announcements or documents relevant to the Insurance Program.
RI Risk Management – dedicated address for insurance inquiries and claims
Insurance Broker – dedicated address & toll-free phone number staffed by dedicated team of insurance professionals who issue Additional Insured endorsements and answer insurance questions and inquiries
ings from Risk Management throughout the year – annual mailings to club and district officers, providing information about insurance, the Insurance Portal link, information relevant to clubs’ activities
Also on the portal - other announcements or documents relevant to the Insurance Program.

8. U.S. Rotary Club and District Liability Insurance Program
Questions and Answers