Insurance

Every Rotary Club in District 9685 including every Rotarian, their partners and volunteers are covered by the Rotary National Insurance Program. Insurance is available for officially constituted Rotary activities.
 
For further information or clarifying questions, contact District Insurance Officer at insurance@rotarydistrict9685.org.au
 
Events
 
Officially constituted Rotary activities are to be fully documented and minuted. For every Event an Insurance Pro Forma form is required to be sent to the District Insurance Officer Dallas Booth so he can assess the risk. 
 
Note: an Event is not defined as a regular club or board meeting, however it may be that a venue requires to sight a CoC and in that instance an email to the DIO stating the request by the venue is sufficient.
 
Organisers of an Event asked to read the Risk Management and Insurance Club Handbook. Each form linked below and listed in the Forms & Documents section of this page is a writable PDF.
 
The procedure to be followed to have Events and Risk assessed by the District Insurance Officer (DIO) to obtain a Certificate of Currency (CoC) requires:
 
  1. Events that have involvement of;  the public, participants, stallholders, alcohol, youth, amusement rides and the like, an Insurance Pro Forma is required as a first step.
    • From the data in Insurance Pro Forma the DIO completes a Basic Checklist for an Event form and essentially determines the level of risk.
    • From the information supplied, the DIO will decide if a Certificate of Currency can be issued.
       
  2. If more information is required to assess the event and risk, the DIO will ask for an additional form which is a combined Risk Management Form and Risk Management Checklist.
    • The Risk Management Form is self-explanatory and the Risk Management Checklist details multiple items that need to be considered by the organisers and comments noted as to how this risk will be mitigated.
       
  3. If the DIO is still concerned, the completed Risk Management Form and Risk Management Checklist will be sent to Aon Insurance Brokers for them to assess and advise and if necessary require additional cover.
    Note: This disclaimer is Aon's General Release and Indemnity and is required for each competitor. This is not to be confused with the section on Amusement Ride Risk Management which outlines the obligations of the supplier of amusements and does not require a disclaimer.
 
Claims
 
All claims involving third party personal injury or property damage must be reported to Rotary's insurance brokers, Aon Risk Services (Aon) as soon as possible.
 
Rotary's outstanding record of protecting from abuse our members, volunteers, and the communities we serve means Rotary is not part of the National Redress Scheme in Australia, and holds insurance additional to typical Public Liability, including Abuse Liability or Sexual Molestation Insurance. Claims or incidents involving allegations of abuse are to be reported to Aon immediately, following this Claims Producdure. Claims MUST be notified to Aon during the period of cover (not retrospectively).
 
Click here for information regarding Youth Protection policy, procedures and forms.
 
Forms & Documents
 
Summary of Insurances
  
A. Public and Products Liability
  1. Limit of cover is $50 million for any one occurrence, except for molestation where the limit is $2 million.
  2. Excess is $1,000 per claim, except molestation where the excess is $25,000.
  3. Some activities are excluded such as rodeos, trains, animal rides and participation in any sport or race.
  4. Sexual Molestation Claims are payable on a "Claims Made" basis which means that any facts or circumstances potentially giving rise to such claims must be notified immediately.
 
B. Personal Accident and Travel
  1. Journeys involving travel of over 50 km and for a maximum of 90 days.
  2. Flying in a privately owned aircraft or one not licensed to carry passengers is excluded.
  3. There is no exclusion for pre-existing conditions provided approval is obtained from doctor that you are fit to travel.
  4. There are age categories for different benefits.
  5. Benefits for Personal Accident include:
    • Weekly benefits for over 1 week, but less than 3 years.
    • Lump sums for specific injuries or death.
    • Emergency home help of $150 per week up to 26 weeks.
    • Medical Expenses not otherwise payable by Medicare or other health funds up to $3,000 for up to a year.
  6. Benefits for Travel Cover include:
    • Weekly benefits for over a week, but less than 3 years.
    • Unlimited medical and cancellation expenses.
    • Chubb Insurance emergency assistance worldwide ring 61-2-8907-5995.
    • Various amounts for loss of deposits, baggage, electronic equipment and money and travel documents.
  7. Personal liability up to $20 million.
 
C. Damage To Property
  1. All real and personal property is covered for loss, damage or destruction.
  2. Limit of Liability is $500,000 for losses arising from one event
  3. There are sub-limits of:
    • $50,000 for buildings and contents not advised, accidental damage, money, theft and goods in transit.
    • $100,000 for any one piece of art at an art show.
    • $25,000 for theft of property in the open air.
  4. Excess is $1,500.
  5. Registered vehicles are excluded.
 
D. Office Bearers Liability
  1. Includes breach of professional duty, wrongful acts as a member or director, employment practices and dishonesty/fraud.
  2. Claims are payable on a "Claims Made" basis which means that any facts or circumstances potentially giving rise to such claims must be notified immediately.
  3. Cover extends to breach of copyright, libel and slander, trade practices liability and automatic fines and penalties.
  4. Limit of liability is $10 million.
  5. Excesses are up to $5,000.
 
E. Caravans and Trailers
  1. These must be notified before the beginning of the Rotary year.
  2. Limits are $10,000 for both trailers & caravans.
  3. Excluded are unregistered vehicles and tools of trade.