Risk ManagementRisk Management

Rotary Insurance & Youth Rotary Insurance & Youth Protection InformationProtection Information

PDG Keith HopkinsPDG Keith Hopkins

The Insured The Insured

For insurance purposes, For insurance purposes, The InsuredThe Insured is defined as: is defined as:

Rotarians including Partners and Volunteer WorkersRotarians including Partners and Volunteer Workers

Rotary Bodies and their Boards.Rotary Bodies and their Boards.

District and Institute CommitteesDistrict and Institute Committees

Participants in all official Rotary activitiesParticipants in all official Rotary activities

Risk ManagementRisk Management

a definitiona definition

Risk management is a way to identify and avoid Risk management is a way to identify and avoid some future event that might cause harm.some future event that might cause harm.

We need to know what could go wrong and We need to know what could go wrong and what we can do to prevent it from occurring.what we can do to prevent it from occurring.

Managing the risk!Managing the risk!

Identifying the RiskIdentifying the Risk

Whilst we cannot prevent bush fires, floods, Whilst we cannot prevent bush fires, floods, cyclones or the acts of deviants, we can cyclones or the acts of deviants, we can minimise the risks.minimise the risks.

As Rotarians we owe a duty of care to all As Rotarians we owe a duty of care to all those for whom we provide a service those for whom we provide a service including members of the public, as we go including members of the public, as we go about the business of Rotary programs and about the business of Rotary programs and projects.projects.

Who is responsible?Who is responsible?

The Club President is responsible, and The Club President is responsible, and shall appoint a Risk Management and/or shall appoint a Risk Management and/or Protection Officer to oversee compliance Protection Officer to oversee compliance in relation to all projects and activities.in relation to all projects and activities.

Principle exposures being:Principle exposures being:

All youth programs and activities.All youth programs and activities. Any activity involving the public.Any activity involving the public.

Public Liability PolicyPublic Liability Policy

Public/Products LiabilityPublic/Products Liability $50,000,000$50,000,000 MolestationMolestation $ 2,000,000$ 2,000,000 Statutory Liability Statutory Liability (Fines & Penalties)(Fines & Penalties) $ 150,000$ 150,000

Deductibles:Deductibles: Public/ProductsPublic/Products $1,000 (Nil for individuals)$1,000 (Nil for individuals) Molestation Molestation $25,000$25,000 Statutory Liability Statutory Liability $5,000 ($1,000 for individuals)$5,000 ($1,000 for individuals)

Liability Risk Management Liability Risk Management & Incident Reporting& Incident Reporting

Pro Forma Request & Check-list to be used on Pro Forma Request & Check-list to be used on all projects with a liability exposure, and all projects with a liability exposure, and

submitted to the DIO for approval prior to the submitted to the DIO for approval prior to the commencement of the project/activity.commencement of the project/activity.

Incident Report Form to be completed for all Incident Report Form to be completed for all ‘slip & ‘slip & fall’ or other potential claims.fall’ or other potential claims.

Certification/youth program compliance.Certification/youth program compliance.

RI reporting guidelines to be used for alleged RI reporting guidelines to be used for alleged molestation/harassment incidents.molestation/harassment incidents.

Rotary Insurance Proforma

To: Rotary District 9465 Insurance Officer

The Rotary Club of xxxxxxxxxxxx…………………………………

wish to advise that it will be running the following event(s) as part of its activities and requires that this activity be noted and included in the Insurance Policy of District 9465.

Brief Description of Activity: …Sausage Sizzle/ BarbecueDate of Activity: _____/____/____ (Twice Weekly)Time of activity (when and for how long)……7am-3pm

Location of Activity: …xxxxxxxxxxxxxxxxxxxxxx

Are there Third Parties involved? YES/NO

If “Yes”, please provide details: ………………………………………………………….................

Approximate number of community participants: 3-4

Risk Management Form Completed? YES/NOCertificate of Currency required? YES/NO

If yes, provide details of parties to be noted: ………………………………………………………Rotarian Contact: …xxxxxxxxxxDetails: Phone/Fax Number: …………………………………………………………………….Email address:……………………………………………………………………………………..COVER CONFIRMED UNDER ROTARY POLICY: YES/NO DATE: 01/07/14

Risk Management Form1. Describe the activity / project being undertaken…Sausage Sizzle/ Barbecue

2. Detail the people participating in the activity / project (does it involve non Rotarians, members of the public or other organisations or third parties? Yes – Various community groups……………………………………………

3. Have you required any other organisation, group or person who is taking part in the activity to provide their own “Public Liability Insurance”? (Other organisations or groups should have their own Public Liability Insurance Cover; and individuals should have their own cover or at least be made aware that they are not covered under Rotary insurance unless specifically noted. Ideally you should obtain a written indemnity from any other organisation, group or third party involved or associated with the activity). YES / NO

4. Have you been asked by any other organisation or person to (a) indemnify them as a third party or (b) hold any other organisation “harmless” under the Rotary Insurance for the activity? YES / NO(If yes, refer to your District Insurance Officer for advice before entering into any agreement).

5. Describe the potential hazards (or dangers to the general public and persons working on project)…Gas bottle explosion, contaminated food

6. Have there been prior incidents / accidents on this type of project? If “Yes”, detail when, how and the result.….No

7. What action / steps can be taken to reduce the likelihood of it happening? N/A……………………………………………………………………………………………………………………

8. Does the project / activity involve young people? YES / NO If yes, have the procedures as outlined in the District Youth Protection Policy been followed?

Has the District Protection Officer been advised of the activity? YES/NO N/A

PLEASE DO NOT ASSUME THAT ALL PROJECTS / ACTIVITIES ARE AUTOMATICALLY COVERED UNDER ROTARY’S PUBLIC LIABILITY POLICY.

ANY QUERIES OR QUESTIONS SHOULD BE ADDRESSED WITH THE DISTRICT INSURANCE OFFICER IN ORDER TO OBTAIN AGREEMENT FROM THE INSURER PRIOR TO THE COMMENCEMENT OF THE PROJECT / ACTIVITY.

““Participation” ExclusionParticipation” Exclusion

The Liability policy provides cover for:The Liability policy provides cover for:

Personal Injury or Damage to property of such persons arising Personal Injury or Damage to property of such persons arising out of the duty of care owed by out of the duty of care owed by The InsuredThe Insured as a property owner as a property owner or organiser.or organiser.

The Liability policy does not cover:The Liability policy does not cover:

Liability in respect of Personal Injury or Property Damage Liability in respect of Personal Injury or Property Damage arising directly or indirectly from, caused by, contributed to by or arising directly or indirectly from, caused by, contributed to by or in connection with the participation of any person or such in connection with the participation of any person or such person’s property in any person’s property in any sport, game, match, race, practice, sport, game, match, race, practice, training course, trial, contest or competition.training course, trial, contest or competition.

Who is a Participant?Who is a Participant?

Any person who takes part in an activity Any person who takes part in an activity organised by Rotary, which might include organised by Rotary, which might include physical exertion in excess of normal every physical exertion in excess of normal every day activity.day activity.

Such activity might have the potential of Such activity might have the potential of causing personal injury, or damage to causing personal injury, or damage to property as a result of their “participation”.property as a result of their “participation”.

DisclaimerDisclaimerLegal advice says that some activities should Legal advice says that some activities should have a disclaimer signed by the participant/s, have a disclaimer signed by the participant/s, thereby making them aware that taking part in thereby making them aware that taking part in that activity shall be at their own risk.that activity shall be at their own risk.

Activities where a disclaimer is recommended Activities where a disclaimer is recommended include, but are not limited to:include, but are not limited to:

Golf DaysGolf Days Bike RidesBike Rides SwimathonsSwimathons WalkathonsWalkathons Cricket MatchesCricket Matches

Market LiabilityMarket LiabilityRotary Australia Market Stall Holders Rotary Australia Market Stall Holders Public & Products Liability Insurance.Public & Products Liability Insurance.

Limit of Indemnity: Limit of Indemnity: $10,000,000$10,000,000 Premium: Premium: $6 ($6 (Per Stall Holder, Per Market) Per Stall Holder, Per Market)

All clubs are encouraged to ensure Stall Holders have All clubs are encouraged to ensure Stall Holders have their their own liability insurance if participating in Rotary own liability insurance if participating in Rotary

markets, as markets, as they are they are notnot covered under the District covered under the District Liability Policy.Liability Policy.

Refer to DIO to arrange cover via Freeman McMurrick.Refer to DIO to arrange cover via Freeman McMurrick.

Personal Accident & Travel Personal Accident & Travel Insurance within AustraliaInsurance within Australia

2013/2014 Limits & Deductibles2013/2014 Limits & Deductibles

Death & Capital BenefitsDeath & Capital Benefits $250,000$250,000 Weekly Injury benefitWeekly Injury benefit $1,500 $1,500 Non Medicare costsNon Medicare costs $3,000 $3,000

Deductible:Deductible:

Weekly Injury - 7 DaysWeekly Injury - 7 Days

Travel Insurance Travel Insurance OverseasOverseas

2013/2014 Limits & Deductibles2013/2014 Limits & Deductibles

Worldwide on a 24 hour basis in respect of an official Worldwide on a 24 hour basis in respect of an official Rotary activity and including up to 60 days private travel.Rotary activity and including up to 60 days private travel.

Death & Capital BenefitsDeath & Capital Benefits $250,000$250,000 Overseas MedicalOverseas Medical UnlimitedUnlimited

Deductibles:Deductibles:Medical Medical NilNilPropertyProperty $250$250

DefinitionDefinition

A ‘journey’ is defined as:A ‘journey’ is defined as:

Travel exceeding 50 km from the insured Travel exceeding 50 km from the insured person’s normal place of residence, on a person’s normal place of residence, on a 24 hour basis until returning thereto, to a 24 hour basis until returning thereto, to a maximum period of 90 days.maximum period of 90 days.

Positions of ResponsibilityPositions of Responsibility

Whilst the protection of young people is Whilst the protection of young people is the responsibility of all adults involved in the responsibility of all adults involved in youth programs, compliance with RI and youth programs, compliance with RI and the District protection policy depends upon the District protection policy depends upon the vigilance of: the vigilance of:

District Governor District Governor District Protection Officer District Protection Officer District Management Committee.District Management Committee.

Duties of the Duties of the Club Protection OfficerClub Protection Officer

Oversee the selection and training of suitable counsellors.Oversee the selection and training of suitable counsellors.

Oversee the selection and training of approved Host Families.Oversee the selection and training of approved Host Families.

Verify that all Volunteers have provided their Declarations.Verify that all Volunteers have provided their Declarations.

Maintain a club Volunteer register.Maintain a club Volunteer register.

Prepare the club certification request & compliance declaration Prepare the club certification request & compliance declaration to the district.to the district.

**Refer Procedures ManualRefer Procedures Manual

Specific club responsibilitiesSpecific club responsibilities

The protection of young people in our care being The protection of young people in our care being paramount, RI requires that we –paramount, RI requires that we –

Appoint a Club Protection Officer to oversee complianceAppoint a Club Protection Officer to oversee compliance

Ensure all Volunteers have undergone screeningEnsure all Volunteers have undergone screening Ensure the Host Counsellor is of the same sex as the student and is not Ensure the Host Counsellor is of the same sex as the student and is not

a member of the host familya member of the host family Establish a procedure for the removal of a student from a host family with Establish a procedure for the removal of a student from a host family with

a back up family as a contingencya back up family as a contingency

Provide the student with a local list of essential servicesProvide the student with a local list of essential services

Provide training for Counsellors, Host Families, Students and Volunteers.Provide training for Counsellors, Host Families, Students and Volunteers.

Be familiar with incident reporting guidelinesBe familiar with incident reporting guidelines

Summary Summary

Activities and projects involving the Public and Activities and projects involving the Public and Youth require a completed insurance Pro forma for Youth require a completed insurance Pro forma for authorisation by the DIO prior to commencement.authorisation by the DIO prior to commencement.

Golf days, sports events, bike rides, competitions Golf days, sports events, bike rides, competitions etc. involving participation require a disclaimer.etc. involving participation require a disclaimer.

Market Stall Holders must have liability insuranceMarket Stall Holders must have liability insurance

Overseas Travel limited to 90 daysOverseas Travel limited to 90 days

Youth Program Volunteers (as defined) to be Youth Program Volunteers (as defined) to be screened and trainedscreened and trained

Risk ManagementRisk Management

QUESTIONS ?QUESTIONS ?