kiwanis risk management may 15, 2014 you are covered kiwanis international has a program of...
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Kiwanis Risk ManagementMay 15, 2014
YOU ARE COVERED Kiwanis
International has a program of Comprehensive General
Liability Insurance for Kiwanians.
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Kiwanis Risk Management• All insured's are automatically covered, and no
action on your part is required.
• Club Resource Insurance Guide is available
• Review of Guide
Named insured
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Kiwanis International and its owned, controlled, subsidiary or affiliated organizations now or hereafter constituted including;
Kiwanis Clubs Kiwanis Districts
Kiwanis Divisions Kiwanis Club Foundations
Kiwanis District Foundations Kiwanis International Foundation
Kiwanis Societies* Key Leader
Kiwanis Club Endowment Funds* Key Clubs
Circle K Clubs Builders Clubs
Aktion ClubsK Kids
Key Club Alumni Association Circle K International Alumni Association
Additional Insureds:Club Members
Volunteers
*Applicable to Canada
The program
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Commercial General Liability – (Bodily Injury, Personal Injury & Advertising Injury and Property Damage)
Each Occurrence Limit US$2,000,000
General Aggregate US$2,000,000*
*NOTE : General Aggregate applies per District!
Products/Completed Operations US$2,000,000
Personal/Advertising Injury US$2,000,000
Non-Owned & Hired Auto Liability US$1,000,000
Subject to Policy Aggregate US$3,000,000Fire Damage (Any One Fire) US$500,000
Sexual Misconduct Liability (Each Victim/Aggregate Limit) US$2,000,000
Medical Payments: 3rd Party/Members/Volunteers US$5,000
The program
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Commercial Excess Liability – Excess of Underlying Primary Insurance:
Each Occurrence Limit US$34,000,000
Policy Aggregate Limit US$34,000,000*
*NOTE : Limits apply per District!
Self-Insured Retention US$10,000
Includes: Premises/Operations, Products/Completed Operations, Independent Contractors Liability, Non-Owned & Hired Auto Liability
Care, custody, and control of vehicles in parking lot fundraisers is covered. Note however, that valet parking is excluded!
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Kiwanis Risk Management
LIMIT OF LIABILITY• $2 million combined single limit per
occurrence of bodily injury and property damage regardless of the number of insured's under the policy.
Liquor
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Liquor Liability Coverage
Applies to sale of alcohol when:• Cost of beverage is included in ticket price of the
event.• Tickets are sold that can be exchanged for a drink at
the bar.• Have sign stating US$4.00 “donation” per drink.• Cash bar
Note:• Limits do not apply per district!• Coverage would not apply if the local jurisdiction
requires a liquor license/permit and none is in force!
• Aircraft/balloons/parachutes/ultra lights• Motorized racing/stunting events• Bungee and Velcro jumping• Watercraft: Owned/non-owned OVER 50’• Asbestos & lead related liability• Pending & prior litigation• Medical payments for athletic participants
Policy exclusions
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• Care, custody & control – property• Pollution liability• Employment practices liability• Cross suits exclusion• Professional liability exclusion• Terrorism exclusion
Policy exclusions
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Kiwanis Risk Management
• HOW AND WHEN TO USE THE WAIVER OF LIABILITY FORM
• RISK MANAGEMENT TECHNIQUES
• YOUTH PROTECTION GUIDELINES (as of October 1, 2013)
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Kiwanis Risk Management
• Directors and officers liability insurance
• HOW TO REPORT A LIABILITY CLAIM
• Sample Hold-Harmless Agreements
Optional Coverages
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Director’s and Officer’s Liability InsuranceCurrent Program
Directors & Officers
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• Covers directors, officers, employees, staff,members, committee chairs, volunteers
•Covers employment related matters (EPL)
•Full prior acts coverage
•Pays defense in addition to Policy Limits
•Insurer has “duty to defend” vs. indemnify
•Defense costs paid on current basis
Directors & Officers
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•Includes “Entity” Coverage•Non-cancelable by the insurer(except non-pay)• Foundations covered at no additional cost•$1,000,000 limit with $0 retentions•$800-1,200 on average annual premium•Application required- New Only•2 year policy with annual installments
What does it cover?
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•Failure to act•Mismanagement of funds•Conflict of interest•Bad faith•Acting beyond authority grantedin bylaws
•Failure to enforce bylaws
Canadian Coverage
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Directors & Officers coverage is available in Canada. Premium must be paid in Canadian dollars, and limits and deductibles will apply in Canadian dollars.
For program details contact:
Rhodes & Williams Limited1050 Morrison Drive, 3rd FloorOttawa Ontario K2H 8K7 CANADA+1-888-391-8379, ext. 249
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Kiwanis Risk Management• Keep an eye toward safety to avoid accidents and reduce
liability. • Some activities inherently involve some risk, while with
others, the risks aren’t as obvious. • If you are the safety coordinator for a club or district,
there’s a lot to know about risk management: what is covered by insurance and what is excluded, what activities beg a waiver, and how to report a claim if an accident does occur. Use these tools to educate yourself and other club leadership on how to financially protect your club and physically protect members and participants.
Safety Coordinator
Needed?
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• A Safety Coordinator in every club• A District Risk Manager in each
District• Be involved, not just sponsoring!• Minimize high hazard activities!• Use the Club Insurance Resource
Guide!
General Liability Issues
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Kiwanis Risk Management
• As a district we are doing reasonable well
• 1 in 50 clubs have made a claim in our district
Losses
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CLAIMS FREQUENCY BY TYPE 11/88 TO 05/13
Slips/Falls
Prop. Damage
Specl. Events
Miscellaneous
Automobile
Sex Abuse
0 300 600
562
113
45
375
78
47
Losses
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CLAIMS COST BY TYPE 11/88 TO 5/13
Slips/Falls
Prop. Damage
Specl. Events
Miscellaneous
Automobile
Sex Abuse
$0 $5,000,000 $10,000,000 $15,000,000
$2,439,399
$88,513
$4,672,388
$2,870,854
$8,854,873
$13,975,000
Losses
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LIABILITY LOSSES – FREQUENCY 11/1/88 TO 11/1/2013 (As of 5/13)
1988-1992 1993-1997 1998-2002 2003-2007 2008-20130
50
100
150
200
250
300
350
400355
317
219 217
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• DON’T offer others coverage under the Kiwanis Insurance Program!!!
• Protect the program as if it were your own business or personal Insurance!
• When in doubt, Call Hylant at (800) 678-0361
General Liability Issues
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What does it cover?
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•Employment practices liability•Sexual harassment
•Unfair employment practices•Wrongful termination•Discrimination
•Violation of state/provincial and federal laws (antitrust, Internal Revenue Code,
EEOC)
Where to find information?
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www.KiwanisOne.org/liability
Member Resources/Club Leader ToolsRisk Management (link, right hand side of the page)
