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Club Insurance
Club Insurance is provided for U.S. clubs under Rotary International's master policy and is billed by and paid directly to Rotary International. There are some new documents on the left for US clubs about exclusions and limitations to the liability insurance.
 
Clubs in Canada are covered under a separate policy and are billed for this coverage by the District at the beginning of each year. 
Les clubs au Canada sont couverts par une police distincte et sont facturés pour cette couverture par le district au début de chaque année.
 
OUR INSURANCE BROKER / NOTRE COURTIER D'ASSURANCE :

 
 
Wilson M Beck Insurance Services
3-550 Lorne Street
Kamloops, BC, V2C 1W3 236-425-1770
 
Main Contacts / contacts principaux:
 
Rob Lemire, CAIB          rlemire@wmbeck.com             
Anne Hogg, CAIB           ahogg@wmbeck.com
Trish Rosenau               TRosenau@wmbeck.com
 
With every insurance policy there are limitations and exclusions to coverage. For easy reference we have provided information on the left. For further enquiries, please email Rob & Anne at the email addresses above.
 
If you need a certificate of insurance, or event coverage allow at least 2-3 weeks.
 
Attached you will find critical risk management tips and checklist to not only reduce our risks, but in some cases ensure that the insurance will pay out if something bad happens.  If we can prove we did these things, claims go so much smoother.
 
  • CYBER SECURITY TIPS – Because Cyber Theft has SKYROCKETED in the last two years, including one Rotary Club got hit just 2 weeks ago. 
    • The most common method of theft as of late is a “cyber bandit” intercepts an invoice that your club was expecting, maybe a vendor or a supplier that was part of a fundraiser.  The cyber bandit, changes the invoice to have their bank information inserted for payment and VOILA!  the club has lost $10,000.  It happens do much more than you could believe.  
RECOMMENDATION:  That all treasurers contact all providers of invoices by phone (through a known number) not the number on an invoice, to confirm the e-transfer account information.
 
  • ROTARY EVENTS COVERED & NOT COVERED – This is a key tool for any member involved in fundraising, because a lot of members think everything should automatically covered, but we need to realize that for under $25 a member we can’t expect that events with thousands of people attending, multi day festivals, air shows and such be covered, nor should we putting that risk on smaller clubs insurance that don’t hold these larger fundraising events .   Therefore those larger event pose higher risks and require their own separate policies.
  • REVISED 2022-23 CERTIFICATE REQUEST FORM
  • EVENTS RISK MANAGEMENT TIPS – A quick checklist when planning any event.
  • CASH HANDLING CRITERIA – The insurance company has asked that members organizing events use the attached cash handling checklist to reduce their risk of lost or stolen funds.
ENHANCEMENTS:
  • Increase to $5 Million coverage for Directors & Officers Liability for the coming term, versus $2 Million coverage previously included. (NO ADDITIONAL PREMIUM)
  • Clarity on International Projects – In my dealings I have found that in both the US Insurance Program and this one, there has always been some ambiguity as to the coverage for Rotarians when doing projects abroad.  Going forward the insurance company has agreed to review every oversea project on a case by case basis and formally advise whether they can include coverage or not.  
I am also attaching our revised COVID Planning document. AS a reminder event coverage falls under 1 of 3 categories when it comes to insurance:
  1. Rotary Events automatically covered with no additional premium associated.
  2. Rotary Events NOT automatically covered and MAY require additional premium or a separate policy
  3. Rotary Events NOT automatically covered and WILL require a separate policy.
As a high level overview of coverage for your reference the following are the limits of coverage included in the insurance program:
 
  • $5 Million Commercial General Liability ($10 Million Aggregate Limit)- with a $5,000 Deductible
    • Including Host Liquor for listed events – see list of events covered and not covered
  • $5 Million Directors & Officers Insurance - with a $5,000 Deductible
  • $2 Million Abuse Liability - with a $5,000 Deductible
  • $500,000 Cyber Liability (for Canadian and US members) - with a $2,500 Deductible
  • $100,000 in Miscellaneous Property Coverage - with a $1,000 Deductible
  • $30,000 in Crime coverage (monies and securities) - with a $1,000 Deductible
  • $75,000 in Volunteer Accident coverage - with a $1000 Deductible
TOOLS:
 
New Risk Management Tool Kits to be shared with Presidents, Treasurers’ & event committee chairs(see attached):
  • Rotary Event planning checklist
    • List of which events are
      • covered automatically with no additional premium
      • covered, but may require a small premium to extend to the event
      • not covered and will require a separate event policy (which we can assist with)
  • Cash handling checklist
  • Cyber security checklist
Improved communication tools:
  • Shorter, customized for Rotary, insurance application (we still have a separate Cyber Application)
  • One Page “Club Information Sheet” to help us help clubs plan better.
  • A fillable PDF “Certificate of Insurance Request Form” (implemented earlier this year)
  • A new dedicated email address for Rotary – rotary@wmbeck.com (implemented earlier this year)
ANOTHER WIN:
We were able to confirm with the insurance company that there is no per member charge for Rotaractors, even though the bylaw change made in November last year gave them member voting status.  This was a tricky task, but we succeeded.  Please note that you should plan for Rotaractors being charged for in the future, however, I will continue to work on keeping this status quo for as long as I can.
 
The following documents are Now attached for your records and review:
 
  • Package Policy Documents – Issued by Special Risk Insurance Managers
  • Volunteer Accident Endorsement – Issued by Industrial Alliance Insurance
  • Cyber Risk Policy – Issued by Coalition Inc.
 
Avec chaque police d'assurance, il y a des limitations et des exclusions à la couverture. Pour une référence facile, nous avons fourni des informations sur la gauche. Pour plus de renseignements, veuillez envoyer un courriel à Rob et Anne aux adresses e-mail ci-dessus.
 
Si vous avez besoin d'un certificat d'assurance ou d'une couverture d'événement, vous prévoyez au moins 2 à 3 semaines.
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