The District has arranged a comprehensive group insurance to provide cover to District Clubs, Rotarians, volunteer helpers and participants in Rotary programmes and activities, against property loss or damage, personal injury, Statutory and Officers liability, and Rotary travel.
The cover provided is relatively comprehensive and is not possible to describe the detailed provisions of the policy in this communication. However, the following is a summary of the main features:
Provides cover on property in the care or custody of Clubs/Districts located anywhere in New Zealand, and whilst in transit. There is an excess of $500 with a $1,000 excess for burglary or $2,500 for theft. There is a maximum liability of $100,000 for any one event.
Provides cover of up to $5m for legal liability to pay compensation in respect of property damage and bodily injury anywhere in the World except USA and Canada. There is an general excess of $500 for each claim.
Cover is held (similar to directors liability in companies) to indemnify Club Officers against statutory liability (other than criminal acts).
Cover for travel similar to that available from other sources is available on a limited basis to Rotarians while on Rotary business. The arrangement must have the approval of the District Governor as official Rotary business and is processed through the Treasurer’s Office.
ADMINISTRATION AND CLAIMS OF INSURANCE
The premium cost of this insurance cover is recovered by way of a charge against Clubs based on a recovery per Rotarian. All Clubs and members involved in significant projects are advised to obtain a cover note for that project – in some cases parties with whom a Club works on major projects will require that. Claims should be notified for processing as soon as practical. Please notify the District Treasurer of any upcoming visits to ensure that cover is placed on that activity.
CONDITIONS AND EXCLUSIONS
As with all insurances there are conditions and exclusions. The District’s public liability insurance cover extends to projects that are totally controlled by Rotarians. Where there is any form of joint venture with other parties, that project will need its own insurance cover. It is recommended that those Clubs who undertake any major fundraising events should consider taking an extended SPORTSAFE LIABILITY insurance. This would be at the cost of the Club or activity undertaken. This cover would cover personal liability which arises as a result of an individual involvement in a sporting and or social event. The cover for individuals includes serious traffic offences, liability under statute eg Health and Safety and Employment act and the Resource Management Act, and action brought by the police under the Crimes Act eg criminal nuisance.
Should there be any doubt as to whether any particular activity or circumstances covered enquires should be made before the event through Marc Nel and clarification would be sought from the Broker. Extensions to cover particular events may be arranged.