The International Association of Lions Clubs Liability Insurance - - PowerPoint PPT Presentation

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The International Association of Lions Clubs Liability Insurance - - PowerPoint PPT Presentation

Jun 15, 2023 134 likes •432 views

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

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The International Association of Lions Clubs Liability Insurance Plan

Protecting Your Club While Growing The Pride

June 29, 2015 Presented By: John E. Adams

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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
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Hawaii – Did You Know?

The Hawaiian Islands are the projecting tops of the biggest mountain range in the world.

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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.

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Hawaii – Did You Know?

Hawaii has the highest population density in the United States.

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Hawaii – Did You Know?

Honolulu is the nation’s 11th largest metropolitan area.

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Hawaii – Did You Know?

Hawaii is the southernmost state in the United States.

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Hawaii – Did You Know?

Kilauea volcano on the Big Island is the largest and most active volcano in the world.

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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.

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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.

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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.

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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

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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

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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
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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
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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
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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
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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
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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
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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

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Hazardous Activities

HUGE Hawaii Surf & Wipeouts 2008

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Hazardous Activities

  • Dunk Tanks
  • Carnivals & Parades
  • Circuses & Rodeos
  • Bingo Games
  • Events Where Alcohol Is

Served

  • Hayrides
  • Miniature Trains
  • Auto & Other Racing Events
  • Concerts
  • Swimming Pools
  • Fireworks Displays
  • Bounce Houses
  • Construction & Demolition

Projects

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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
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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
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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
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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?

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Frequently Asked Questions

  • If we borrow a barbeque grill from a 3rd 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?

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Other Questions?

John E. Adams DSP Insurance Services jadams@dspins.com 847-485-2430