Insurance

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.


Insurance Information Portal (Portal)

Visit the Insurance Information Portal for the latest information regarding the Program. Here you will find the essentials: certificates of insurance for your events, insurance policies and summaries, and loss control guidelines that should help you plan your club’s activities and events.

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. Please share this information with those in your club, but avoid posting it in places, including unsecure club web sites, where it is easily accessible by outside parties.


Fireworks Coverage Change (NEW)

Fireworks coverage is no longer provided to clubs that contract directly with the pyrotechnics company that detonates the fireworks. Please visit the Insurance Information Portal for more details and for FAQs.


Certificate of Insurance

The certificate of insurance is the most frequently obtained document on the Portal. If there are any issues with the certificate, please contact Lockton.


Loss Control Guidelines

Visit the Portal to help ensure safe and successful events/activities. There, you will find loss control guidance for many different events and activities, including:

  • Use of Golfcarts and Other Mobile Equipment
  • Use of Waivers and Releases
  • Use of Watercraft and Water Activities
  • Food Handling and Serving
  • Inflatable Amusement Rides
  • Management of Swimming Pools
  • Serving Alcohol at Events
  • Use of Automobiles
  • Use of Fireworks
  • Athletic Events and Activities
  • Construction Projects
  • Financial Risk Management

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.


Non-Owned/Rented Auto Liability

The Program provides excess liability coverage for the use of rented and non-owned automobiles above any other valid and collectible insurance on the automobile. This coverage is intended for insured entities only and does not extend to individuals who use their personal automobile for Rotary club business. There is no comprehensive/collision coverage for damage to any auto operated by the club/district.


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 Portal. If your club is served with a lawsuit, please contact Risk Management immediately.


Claims Expenses

The assessments club members pay are used to cover the cost of insurance policies and cost of claims within the $500,000 self-insured retention for GL and $25,000 deductible for D&O/EPL.

Insurance Downloads

  • Rotary Insurance - 2017 U.S. Clubs and Districts Insurance Program Rotary Insurance - 2017 U.S. Clubs and Districts Insurance Program (1192 KB)
  • Rotary Insurance - 2017-18 D and O-EPL Insurance Summary Rotary Insurance - 2017-18 D and O-EPL Insurance Summary (158 KB)
  • Rotary Insurance - 2017-18 FAQ - Common Insurance Concerns Rotary Insurance - 2017-18 FAQ - Common Insurance Concerns (241 KB)
  • Rotary Insurance - 2017-18 General Liability Incident Handling Guidelines Rotary Insurance - 2017-18 General Liability Incident Handling Guidelines (68 KB)
  • Rotary Insurance - 2017-18 General Liability Insurance Summary Rotary Insurance - 2017-18 General Liability Insurance Summary (213 KB)
  • Rotary Insurance Certificate - Fillable Rotary Insurance Certificate - Fillable (161 KB)
  • Rotary Insurance Certificate - Instructions Rotary Insurance Certificate - Instructions (1077 KB)
  • Rotary Insurance Program Overview - 2017-18 Rotary Insurance Program Overview - 2017-18 (271 KB)