The International Association of Lions Clubs Liability Insurance Plan Protecting Your Club While Growing The Pride June 29, 2015 Presented By: John E. Adams
Program Outline • Overview of the Liability Plan • Who Is Protected by this Insurance • What The Plan Covers • Exclusions – Top Ten • Evidence of Coverage • Safety Planning & Loss Control • Other Coverage to Consider • Frequently Asked Questions • Your Questions
Hawaii – Did You Know? The Hawaiian Islands are the projecting tops of the biggest mountain range in the world.
Hawaii – Did You Know? Hawaii is the most isolated population center on the face of the earth. Hawaii is 2,390 miles from California; 3,850 miles from Japan.
Hawaii – Did You Know? Hawaii has the highest population density in the United States.
Hawaii – Did You Know? Honolulu is the nation’s 11 th largest metropolitan area.
Hawaii – Did You Know? Hawaii is the southernmost state in the United States.
Hawaii – Did You Know? Kilauea volcano on the Big Island is the largest and most active volcano in the world.
Hawaii – Did You Know? The Northwestern Hawaiian Islands are home to more than 7,000 marine species, a quarter of which are found nowhere else in the world.
Hawaii – Did You Know? The island of Kauai is home to the wettest spot on Earth. The average yearly rainfall on Mt. Waialeale is about 397 inches.
Liability Plan Overview • The International Association purchases a program of General Liability Insurance covering Lions worldwide. • Coverage is provided by ACE American Insurance. • Provisions of policy apply to many liability exposures of Lions Clubs and Districts. • Legal liability policy only. Does not provide “accident” insurance to pay for injuries regardless of fault. • Program protects Lions International & LCIF. Ensures that all clubs have some coverage for their liability exposures.
Liability Plan Overview • Plan Costs Are Paid By Lions International • $1,000,000 Per Claim Deductible • Losses Directly Impact Cost Of Plan • Costs Of Plan Included In International Dues • Coverage is Automatic so no action is required on the part of the clubs
Liability Plan Summary • Liability Program Summary • Copies Available At Convention • Summary Also Available For Viewing On Lions International Web-site www.lionsclubs.org/EN/common/pdfs/la3.pdf
Who Is Protected? Named Insured Includes: • Lions International & LCIF • All Clubs, Districts and Multiple Districts • Other Lions organizations owned, controlled, or operated by a Named Insured Majority of board must be Lions Must be “licensed” to use Lions name and emblem
Who Is Protected? Additional Insured Includes: • Lion directors, officers, employees and members • Individual volunteer workers • Persons or organizations granting use of their premises • Public bodies issuing permits to Lions
What Is Covered? • Policy Pays Sums Club Or Member Legally Obligated To Pay • Claim Must Be Result Of Bodily Injury Or Property Damage Covered By Policy • ACE Insurance Has The Right And Duty To Defend Any Suit For Covered Claims • Policy Insures Liabilities Not Injuries • Not An Accident Policy - Club Must Be Legally Liable • $5,000 Medical Payments Coverage
What Is Covered? • $1,000,000 Each Occurrence Limit • $2,000,000 Aggregate Limit -Each Named Insured • Coverage Includes: Premises, operations and products Hired & non-owned auto liability Personal & Advertising Injury Racing exclusion removed Fire Legal Liability Contractual Liability Incidental Medical Malpractice
Exclusions • Liquor Liability • Liability for Owned Automobiles • Auto Physical Damage – Any Vehicle Owned or Operated by Insured • Aircraft and Owned Watercraft • Property Owned By Lions Buildings Leased Or Rented (Fire Exception) Personal Property Of Others
Exclusions • Pollution / Asbestos • Coverage for Co-Sponsors • Medical Malpractice of Doctor or Trained Medical Professional • Medical Payments for Participants in Athletic Events • Injury to Employees
Evidence of Coverage • Certificates Are Used To Show A Third Party What Coverage Is Provided • Certificate Does Not Change Policy Coverage • Certificates Of Insurance May Be Requested United States: lionsclubs@dspins.com Phone: 800-316-6750 Fax: 847-934-6186 Lions Website: www.lionsclubs.org/EN/member-center/resources/insurance/certificate-of- insurance.php
Hazardous Activities HUGE Hawaii Surf & Wipeouts 2008
Hazardous Activities • Dunk Tanks • Carnivals & Parades • Auto & Other Racing Events • Circuses & Rodeos • Concerts • Bingo Games • Swimming Pools • Events Where Alcohol Is • Fireworks Displays Served • Bounce Houses • Hayrides • Construction & Demolition • Miniature Trains Projects
Safety Planning • What Can You Do? Appoint A Safety Officer Review Liability Program Summary Review Activities & Identify Hazards Complete Self-Inspection Checklist Ensure Adequate Supervision of Event Obtain Certificates Of Insurance From Circus Operators, Co-Sponsors Or Others Participating In Lions Event – Have Your Club Named as Additional Insured Have Local Legal Counsel Review Contracts
Safety Planning • Claim Reporting Safety Officer Responsibility Gather Information Report To ACE Insurance • United States: 888-217-8074 • Outside United States: 866-809-0396 Do Not Wait For All Details Of Claim Before Reporting Do Not Admit Liability Or Offer To Settle Claim
Other Coverage to Consider • Directors & Officers Liability Insurance • Umbrella or Excess Limits • Property – Building, Personal Property and Club Regalia • Liquor Liability • Accident Insurance • Crime / Fidelity
Frequently Asked Questions • Our Club owns a refreshment trailer from which we sell food and beverages at fairs or other functions do we need separate Liability coverage? • Is all coverage excluded for events at which we sell or serve alcohol? • A Lion is driving his car on Lions business and strikes a tree, damaging his car and injuring himself. Is there coverage under this policy?
Frequently Asked Questions • If we borrow a barbeque grill from a 3 rd party are we protected for injuries from using that grill or for damage to the grill itself? • A local farmer allows us to use his tractor and trailer for hayrides. Does our policy provide coverage for the farmer? • If our Club allows the use of the Lions name or emblem to another entity are they insured under this policy? • Are the limits and coverage provided by Lions Liability program adequate for our Club?
Other Questions? John E. Adams DSP Insurance Services jadams@dspins.com 847-485-2430
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