Insurance

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Canadian Rotary Club Insurance

Clubs on the Canadian side of District 5050 pay an additional fee each year for insurance coverage. 

For a summary of insurance coverage for Canadian clubs, please click the download link on the left column.

For further information, please contact Canadian District Insurance Chair, Harry Geddes (RC Chilliwack) at harry.geddes@hubinternational or 604-703-7070 or the District's insurance broker, Helen Liu at Helen.Liu@coastcapitalsavings.com or 604-788-3823.



American Rotary Club Insurance
 
American Rotary clubs are all covered by an insurance policy taken out by Rotary International and the fee is included in the annual RI dues. 

For further information, please contact US District Insurance Chair, Shelley Smith (RC Everett) at shelley@petershareninsurance.com or 425-252-5197.

Below is information on the American Rotary insurance policy:

Update: U.S. Rotary Club & District Liability Insurance Program  

From: "Rotary International: Risk Management" <insurance@rotary.org>
Sent: Monday, September 30, 2013 9:36:16 AM
Subject:  U.S. Rotary Club & District Liability Insurance Program



Dear U.S. Rotary Clubs: 

Please read the annual insurance update from Risk Management below. When planning events and activities, don’t forget about risk management and liability insurance.

What could go wrong, and how will we respond?

What insurance coverage do we have? Do we need any other insurance? Is proof of insurance required for our event/activity? Do we need to collect proof of insurance from others?

Are the contracts we sign fair to our Club? Do we need to make others sign contracts to clarify responsibilities and protect our Club?

The U.S. Rotary Club and District Liability Insurance Program (“Program”) automatically provides U.S. Rotary clubs and districts with general liability (“GL”) and directors’ & officers’/employment practices liability (“D&O/EPL”) insurance. It is paid for by U.S. Rotarians on the July Semiannual Report.


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Where to Go? Insurance Information Portal

For the certificate of insurance, insurance policies, summaries, forms, and loss control guidelines, it is highly encouraged to visit the Insurance Information Portal:

www.locktonportal.com/sites/rotary/resources

Username: Rotarian

Password: Resources#1

Note: Username and password are case-sensitive. This portal is for U.S. Rotary club/district use only.

 

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Proof of Insurance? Certificate of Insurance


The certificate of insurance is on the Insurance Information Portal. If there are any issues with the certificate, please contact Lockton (see the bottom of this email). 



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Did You Know? Claims Expenses


Up to $500,000 for each GL claim and $25,000 for each D&O/EPL claim are paid from funds collected from the July Semiannual Report. There is incentive to make risk management and safety a priority! Plan in advance, select reputable vendors/partners, train volunteers on safety, explain risks to participants, eliminate hazards, and enter into fair contracts that protect your Club, because less insurance claims leads to lower dues.



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Need Help? Loss Control Guidelines


Visit the Insurance Information Portal to help ensure safe and successful events/activities. There is loss control guidance for many different events and activities, including:

Use of Fireworks
Contract Best Practices for Activities & Events
Financial Risk Management
Use of Golf Carts and other Mobile Equipment
Food Handling and Serving 



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Need to Report Claims? Incident Reporting


Report all incidents that may lead to a claim or lawsuit to Risk Management at claims@rotary.org or by fax to (847) 556-2147. The Incident Report form is available on the Insurance Information Portal. If your club is served with a lawsuit, please contact Risk Management immediately.


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Did You Know? Events with Attendance Exceeding 25,000


Rotary clubs that organize events exceeding 25,000 attendees over the entire event period are required to report such events to insurance@rotary.org and purchase primary general/special events liability insurance with a minimum limit of $1 million per occurrence/$2 million aggregate. The Program provides excess coverage above this required policy. 



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How Much? Insurance Assessment Rates


There are annual insurance assessments to all U.S. Rotary clubs on the July Semiannual Report. General liability (GL) assessment rates are based on the frequency and severity of claims. Directors & officers/employment practices liability (D&O/EPL) assessment rates are the same for all states. Due to more claims and rising insurance costs, GL rates increased for 2013-14; however, this increase was partially offset by a credit due to lower than expected losses in prior policy years. D&O/EPL rates declined for 2013-14. Overall, insurance assessments were nearly the same for most U.S. Rotarians. 

Sincerely,


Julita Brzozowska
Risk Manager
Rotary International


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Contact Information


Insurance Broker:   Lockton   (800) 921-3172  rotary@lockton.com     


Risk Management Team:

Scott Meise, Assistant Risk Manager   (847) 424-5245   insurance@rotary.org     

Julita Brzozowska, Risk Manager        (847) 424-5394   insurance@rotary.org 

Jodi Steel, Claims Manager                (847) 866-3125   claims@rotary.org