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)

• Risk Manager for EC&C

Bron Vasic – bvasic@rogers.com 613 809 0358

QUESTIONS

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