Presented by Rotary International Risk Management Department U.S. CLUB AND DISTRICT LIABILITY INSURANCE PROGRAM U.S. Rotary Club & District Liability Insurance Program (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. The program has been in place since 2001. Presented by Rotary International Risk Management Department July 2017

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. Insurance Broker (Gallagher) website (Gallagher Insight) – 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 email address for insurance inquiries (insurance@rotary.org) and claims (claims@rotary.org) Insurance Broker – dedicated email address (rotary@ajg.com) & toll-free phone number (1.833.3ROTARY) staffed by a dedicated team of insurance professionals who issue Additional Insured endorsements and answer insurance questions E-mailings 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

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. Rotarians have various means of obtaining information relating to the Insurance Program. Insurance Broker (Gallagher) website (Gallagher Insight) – 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 email address for insurance inquiries (insurance@rotary.org) and claims (claims@rotary.org) Insurance Broker – dedicated email address (rotary@ajg.com) & toll-free phone number (1.833.3ROTARY) staffed by a dedicated team of insurance professionals who issue Additional Insured endorsements and answer insurance questions E-mailings 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

The Insurance Provided is: General Liability (GL) Directors’ & Officers’ / Employment Practices Liability (D&O / EPL) 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

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 Incidents that could result in a claim should be reported to RI’s Risk Management team by email (claims@rotary.org). A claims adjuster is licensed and trained to gather the necessary information as it relates to insurance.

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 Rotarians have various means of obtaining information relating to the Insurance Program. Insurance Broker (Gallagher) website (Gallagher Insight) – 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 email address for insurance inquiries (insurance@rotary.org) and claims (claims@rotary.org) Insurance Broker – dedicated email address (rotary@ajg.com) & toll-free phone number (1.833.3ROTARY) staffed by a dedicated team of insurance professionals who issue Additional Insured endorsements and answer insurance questions E-mailings 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

Resources – Where to Direct Others to Find Information Gallagher (insurance broker) Toll Free: 1-833-3ROTARY Email: rotary@ajg.com RI’s Risk Management - Email: insurance@rotary.org Website set up for U.S. Rotarians https://insight.ajg.com E-Mails from Risk Management to Club & District Officers Rotarians have various means of obtaining information relating to the Insurance Program. Insurance Broker (Gallagher) website (Gallagher Insight) – 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 email address for insurance inquiries (insurance@rotary.org) and claims (claims@rotary.org) Insurance Broker – dedicated email address (rotary@ajg.com) & toll-free phone number (1.833.3ROTARY) staffed by a dedicated team of insurance professionals who issue Additional Insured endorsements and answer insurance questions E-mailings 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