U.S. Rotary Club and District Liability Insurance Program - click here for the Annual Update to Rotary Clubs & Districts and click here for the 2019-20 Annual Insurance Assessments.
Click here for the U.S. Rotary club and district liability insurance program page at Rotary.org.
 
Below are copies of the emails sent from Rotary International to the Clubs (these are the same as the items opened with the "click here" links).
 
Annual Update to Rotary Clubs & Districts
Risk Management
The U.S. Rotary Clubs and Districts Liability Insurance Program ("Program") provides general liability (GL) and directors' & officers'/employment practices liability (D&O/EPL) insurance coverage automatically to active U.S. Rotary Clubs & Districts (subject to policy terms and conditions). 
Required Renewal Notification:  This message is to inform you that the Program’s current liability policies will expire 1 July 2019 12:01 a.m. We want to advise you that the renewal policy terms and conditions may reduce coverage or be more restrictive than the expiring policy based on the underwriting information provided to insurers.

New insurance policies will be purchased to provide continuous coverage and we will make every effort to provide the same broad coverage as per the expiring policy with the exceptions listed below.  So that you are able to include the insurance charge for your club in your budgeting process, we will provide renewal premium/rate information to you, by email, in June.

New:  The Program was not designed to cover, nor does the premium charged reflect clubs/districts involvement in the following high risk/exposure unique areas: 
  • construction projects with materials valued over $25,000
  • ownership or operation of trains
  • aircraft, including helicopters, drones, and hot air balloons
  • fireworks
  • ambulance service
  • buildings or land donated to club/district foundations
  • camps – (other than weekend camps) – camp facilities that are owned and operated by the club
  • non-Rotary businesses that are operated out of a club facility / ongoing operations
  • separate legal entities other than a club, district, club foundation or district foundation
  • events with a total of 25,000 attendees
If your club/district is involved in any of the above service projects, fundraisers or ongoing operations, your club needs to purchase appropriate insurance coverage for it. 
Club sponsored events with attendance of 25,000: If your club is organizing an event that draws 25,000 or more attendees, your club is required to purchase a primary special events liability policy that includes liquor liability if liquor is being served at the event.  If you advertise your event or a local newspaper or event finder website indicates an attendance of 25,000 people you will need to purchase this primary coverage.  When your club is a vendor at the State Fair, this requirement does not apply – but it does apply if your club organizes, sponsors, or puts on the large event.

NOTE: Just as you cannot “lend” your health insurance coverage to another person you cannot “lend” the Club’s liability insurance to another nonprofit or an organization your Club is working or partnering with on an event.  Always confirm that the other organization has insurance coverage in place.

Future emails: Rotary Risk Management will be sending emails to club & district officers: 
  • In June - to inform clubs about 2019-20 insurance assessment rates 
  • In July - to inform clubs about 2019-20 renewed insurance policies and available insurance resources 
Insurance Website: See below for information on how to access the website set up for U.S. Rotarians. 
To learn more about the Program, as well as review copies of the insurance policies, summaries, loss control documents, and obtain a certificate of insurance, please visit the Gallagher Insight website: 

Website address: https://insight.ajg.com 

Username: rotary@ajg.com 
Password: rotarian1 

Rotarians can also contact Gallagher by email (rotary@ajg.com) or by phone: 1.833.3ROTARY (833.376.8279)

This website is for U.S. Rotary club/district use only and is the exclusive source for all the Program's documents, forms, loss control guidelines, and the certificate of insurance.
 
Please share this link/login to Gallagher Insight website with Rotarians in your club/district.
 

Regards, 
Rotary Risk Management Team

Contact Information 
Insurance Broker
Rotary Risk Management
Gallagher
Julita Brzozowska,
Risk Manager
Carol Dietz,
Assistant Risk Manager
Katie Rabs,
Risk Management Analyst
 
(833) 376-8279
(847) 424-5394
(847) 424-5245
(847) 866-4494
 
 

This message is being sent to current Presidents, President Elects, Treasurers, Secretaries, District Governors, District Governors Elect and District Insurance Representatives in the U.S. and its possessions and territories
 
 
2019-20 Annual Insurance Assessments
 
From: Risk Management <insurance@rotary.org>
Sent: Monday, June 17, 2019 9:45 PM
To: nklein2@neb.rr.com
Subject: U.S. Rotary Club and District Liability Insurance Program - message to U.S. Club Officers About 2019-20 Annual Insurance Assessments
 
Rotary.org
Risk Management
The U.S. Rotary Clubs and Districts Liability Insurance Program ("Program") provides general liability (GL) and directors' & officers'/employment practices liability (D&O/EPL) insurance coverage automatically to active U.S. Rotary Clubs & Districts. 
Dear current and incoming U.S. Rotary club officers:

This short message is to advise you about the 2019-20 insurance assessment rates (annual insurance premiums per member). The insurance assessment rates will be charged on the July Club Invoice. 

These assessments fund the $250,000 self-insured retention of every general liability claim and $25,000 deductible of every directors’ and officers’/employment practices liability (D&O/EPL) claim, and the cost of the commercial insurance, under the U.S. Rotary Club & District Liability Insurance Program. The assessment amounts are prepared annually by an actuary and depend on claims activity per state, funding needs of the self-insured retention, the cost of commercial insurance, and credit for past claims history. The assessment rates by state and per member are shown below.

General liability insurance assessments have increased by 9% within each tier due to an increase in the insurance costs, while the cost of D&O insurance assessments has dropped slightly, mainly due to a higher premium credit.  
 
States and Territories
 General Liability Rates 
 D&O/EPL Rate 
CA CT FL LA ME NH NJ NY RI WI
$6.72
$0.43
AZ IL MA MD MN MI NV OR PA TN TX WA 
$3.63
$0.43
CO HI IA ID MI MT NC OH OK SC UT VA VT 
$3.14
$0.43
AK AL AR DC DE GA IN KS KY MS ND NE NM SD WV WY
$2.60
$0.43
American Samoa, Guam, Northern Mariana, Puerto Rico, USVI
$1.91
$0.43
 
Insurance Website: See below for information on how to access the website set up for U.S. Rotarians. 
The 2019-20 Certificate of Insurance is now available on Gallagher Insight.
To download it and to learn more about the Program, please visit the Gallagher Insight insurance website: 
Website address: https://insight.ajg.com 
Username: rotary@ajg.com 
Password: rotarian1 
 
Rotarians can also contact Gallagher by email (rotary@ajg.com) or by phone: 1.833.3ROTARY (833.376.8279)
 
This website is for U.S. Rotary club/district use only and is the exclusive source for all the Program's documents, forms, loss prevention strategies, and the certificate of insurance.
 
Please share this link/login to Gallagher Insight website with Rotarians in your club/district.
 
Regards, 
Rotary Risk Management Team
Contact Information 
Insurance Broker
Rotary Risk Management
Gallagher
Julita Brzozowska,
Risk Manager
Carol Dietz,
Assistant Risk Manager
Katie Rabs,
Risk Management Analyst
Ann Berdahl,
Claims Manager
(833) 376-8279
(847) 424-5394
(847) 424-5245
(847) 866-4494
(847) 866-3125