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.
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 (see the bottom of this email).
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 Automobiles
- Contract Best Practices for Activities & Events
- Financial Risk Management
- Use of Golf Carts and other Mobile Equipment
- Food Handling and Serving
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 email@example.com 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.
Report all incidents that may lead to a claim or lawsuit to Risk Management at firstname.lastname@example.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.
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.
2014-15 Insurance Assessment Rates
Due to rising insurance costs and an increase in severity of claims, GL rates increased for 2014-15. This increase was partially offset by a credit due to lower-than-expected losses in earlier policy years. D&O/EPL rates increased slightly for 2014-15. Despite these increases, this insurance continues to be very competitive in price and breadth of coverage when compared to liability policies in the insurance marketplace. Below are rates per member.
Rotary Risk Management