1. U.S. Rotary Club & District Liability Insurance Program Tim Lundell District 5170 Trainer Courtesy of Peter W. Griffith CPCU, ARM District 5340 Insurance Chair

2. Overview Resources Insurance Coverage Exclusions Certificate of Insurance Risk Management – Events/Activities Insurance Claims Q&A

3. RESOURCES

4. Resources: Websites Insurance Information Portal www.locktonportal.com/sites/rotary/resources Username: [as provided] Password: [as provided] Insurance web page on www.rotary.org www.rotary.org/en/Members/GeneralInformation/Insurance Type “Insurance” in search box on www.rotary.org

5. Resources: Broker & RI Risk Mgmt Lockton Toll Free: 1-800-921-3172 E-mail: rotary@lockton.com RI Risk Management E-mail: insurance@rotary.org Availability: Monday – Friday, 6:30 am – 2:30 pm, Pacific Time

6. INSURANCE COVERAGE * Nothing in this presentation shall be construed to extend, alter, vary, or waive any of the provisions of the actual insurance policies.

7. Coverage General Liability (“GL”) Directors’ & Officers’ / Employment Practices Liability (“D&O/EPL”)

8. Coverage – GL Insurance What is it? Third Party Claims of Bodily Injury & Property Damage Against Insured Subject to policy terms & conditions KNOWLEDGE CHECK: Who’s a 3 rd party? Anyone who is not considered an insured. Usually refers to someone who is not a Rotarian or Volunteer.

9. Coverage – GL Insurance Who’s covered? Who’s Insured? Rotary Club Rotary District Rotary Club Foundation* Rotary District Foundation* Interact Club Rotaract Club Rotary Community Corp. Certified Youth Exchange Organization RYLA PETS Only U.S. Rotary entities! *If designatedIf designated criteria is met

10. Coverage – GL Insurance Who else is covered? Who else is insured? Rotarians Volunteers But only with respect to their liability for acts within the course and scope of their duties on behalf of a Rotary Club or District. There’s no coverage when a Rotarian or volunteer gets hurt or has their personal property damaged.

11. Coverage – GL Insurance Policy Period: 1 July – 30 June Policy Limits: Up to $7,250,000 per occurrence That includes $250,000 self insured retention

12. Coverage – GL Insurance Liquor Liability Non Owned & Rented Auto Liability This is EXCESS coverage Does NOT provide coverage in Mexico

13. Coverage – D&O/EPL Insurance What is it? D&O - Claims Against Directors & Officers for Alleged Wrongful Acts EPL - Employment and Membership Claims Subject to policy terms & conditions Does not cover bodily injury or property damage (GL Insurance)

14. Coverage – D&O/EPL Insurance Who else is covered? Who else is insured? Director Trustee Officer Rotarian Employee Committee Member But only with respect to their liability for acts within the course and scope of their duties on behalf of a Rotary Club or District.

15. Coverage – D&O/EPL Insurance Policy Period: Will be same as Rotary Year, 1 July – 30 June Policy Limits: Up to $2,025,000 per claim That includes $25,000 self insured retention

16. Insurance Not Provided Crime (a.k.a. Fidelity Bond, Employee Dishonesty Bond) Property Workers’ Compensation Health, Travel Aircraft, Auto, Watercraft

17. EXCLUSIONS

18. Exclusions No Coverage if No Claimed Negligence! No coverage for intentional acts or acts not related to Rotary Not covered! There must be Rotary fault!

19. Exclusions Acts or Omissions of Non-Insured Entity Liability insurance for Rotary only. Ensuring that others carry their own insurance is essential.

20. Exclusions Property in the Club’s Care, Custody, and Control GL insurance provides coverage for 3 rd party property damage, but not if in care, custody, or control of Club.

21. Exclusions Expected or Intended Injury No coverage for individual for intentional acts, but vicarious liability coverage for insured Rotary entity.

22. Exclusions No “Med Pay” for Insureds $5,000 is available to pay for third-party injuries without having to prove fault. No “Med Pay” for Rotarians, as they are an “Insured”.

23. Exclusions Owned Autos Commercial Auto Insurance Not Provided

24. Exclusions Numerous specific Exclusions that will not generally apply, but which should be reviewed at the beginning of the Club year by the Community Service Chair or Insurance advisor to the Club

25. Exclusions Professional Liability Medical/Dental Finance/Accounting Architecture/Engineering

26. CERTIFICATE OF INSURANCE

27. Certificate of Insurance What is it? Proof of insurance When to provide it? Only when specifically requested or contractually required Why is it being requested? Without proof of insurance, no permission to have event/activity

28. Certificate of Insurance Where is it? Insurance Information Portal Insurance web page on www.rotary.org Type “Insurance” in www.rotary.org search box. Insurance Broker (Lockton) 1-800-921-3172

29. Certificate of Insurance How to complete? Edit 2 boxes: Date Certificate Holder Save to computer or Print

30. DATE BOX CERTIFICATE HOLDER BOX Policy Info Insured Box: All U.S. Rotary Clubs & Districts Description BoxPolicy Info

31. Certificate – Additional Insured What is it? Additional Insured status provides limited insurance protection to another entity. Why is it being requested? Becoming an Additional Insured on another’s liability insurance policy can protect that entity from using their own liability insurance.

32. Certificate – Additional Insured Additional Insured Status (Description Box) Subject to policy terms & conditions Automatic if required in written contract Only to the extent the Club or District is at fault for bodily injury or property damage Additional Insured Endorsement Contact Insurance Broker Provide copy of written contract to Broker.

33. RISK MANAGEMENT EVENTS/ACTIVITIES

34. Risk Management Loss Control Guidelines Insurance Information Portal Insurance Broker & RI Risk Management

35. Risk Management Ask and answer “what if” questions Well communicated and coordinated plans Don’t assume anything! Common Sense & Due Diligence Read and understand the contract! Know what you’re signing!

36. Risk Management Involve Local Legal Professionals Don’t sign anything without legal review! Don’t accept unreasonable contractual provisions! Written contracts – participants, volunteers, vendors Waiver/release form, permission slip Involve Local Insurance Professionals too!

37. Risk Management Managing Others: Vendors & Other Contractors Written Contracts Indemnification and Hold Harmless Agreement Insurance Requirements Certificate of Insurance Additional Insured Endorsement

38. Risk Management Managing Others: Participants Volunteers Written Contracts Waiver/Release Form Permission Slip - Youth Indemnification and Hold Harmless Agreement Insurance Requirements Proof of Insurance

39. Risk Management - Athletics Example: 5K Run/Walk Event Insurance Information Portal – Loss Control Guidelines Local legal counsel review of written contracts Waiver/Release Form Ensure route is hazard-free

40. Risk Management – Co-Organizer Example: Co-Organized Event Due Diligence Involve local legal & insurance professionals Co-Organizer must have liability insurance

41. CLAIMS

42. Claims Immediately Report to RI Risk Management Claim Form: Insurance Information Portal Insurance Page – www.rotary.org Do not try to handle claim on your own Do not voluntarily make payment or settlement

43. RESOURCES

44. Resources - Websites Insurance Information Portal www.locktonportal.com/sites/rotary/resources Username: Rotarian Password: Resources#1 Insurance web page on www.rotary.org www.rotary.org/en/Members/GeneralInformation/Insurance Type “Insurance” in search box on www.rotary.org

45. Resources: Broker & RI Risk Mgmt Lockton Toll Free: 1-800-921-3172 E-mail: rotary@lockton.com RI Risk Management E-mail: insurance@rotary.org Availability: Monday – Friday, 6:30 am – 2:30 pm, Pacific Time

46. Q&A Thank you! Let’s be careful out there.