Sertoma
Insurance Program
Table
of Contents:
Sertoma Insurance Programs
Claims Procedure
Loss Control
Special
Events Application
Liquor
Liability Application
Incident
Report - Special Event
Indemnification
Agreement - Special Event
Comprehensive
Safety Checklist - Special Event
Sertoma
International is pleased to present your Lockton Companies
Team. Insurance professionals are just a phone call away.
Please do not hesitate to call for direction and assistance
regarding our new insurance program.
Coverage
questions:
Terri McClaskey, AVP (816) 960-9241 direct
phone line
Account Executive (816) 783-9241 direct fax • tmcclaskey@lockton.com
Peggy Henley, VP (816) 960-9026 direct
phone line
Unit Manager • phenley@lockton.com
Main office:
Lockton Companies
444 West 47th Street, Suite 900
Kansas City, MO 64112
(816) 960-9000
Sertoma an insurance program which includes the following:
General Liability Insurance – Philadelphia
Insurance - Policy #PHPK255500
Hired & Non Owned Automobile Liability
- Philadelphia Insurance - Policy #PHPK255500
Employee Dishonesty Coverage (volunteers
are defined as employees) Philadelphia Insurance - Policy
#PHPK255500
Umbrella Liability - Philadelphia Insurance
- Policy #PHUB093000
Who
Is Insured?
Sertoma
International
Sertoma Foundation
Their clubs, districts, regions, chapters, Serteen, Collegiate
clubs
Sertoma Canada
Club members and volunteers are also insured's when
involved in Sertoma activities.
General
Liability – Coverage outline
The Limits of Liability are:
$1,000,000 - each occurrence (Bodily Injury and Property
Damage)
$2,000,000 - Annual aggregate limit
$15,000 - Medical Payments coverage
$300,000 - Fire Legal liability
$1,000,000 - Hired & Non-owned Automobile Liability
$1,000,000 - Liquor Liability
Coverage basics:
Sertoma’s General Liability Insurance Policy protects
clubs and club members in their activities, while acting
within the scope of their duties. The policy provides coverage
for the insured for their liability for bodily injury and
property damage arising from accidents on premise or in
the course of their business operations. This Policy also
provides medical payment benefits to third parties without
admission of legal liability. In addition, Sertoma club
members are covered for medical payments up to the policy
limit, however coverage only applies while working at a
Sertoma sponsored event. Medical payments will not be extended
to club members if injured while attending a Sertoma club
meeting, conference, convention, etc. This coverage applies
either on club premises or at club events where you may
be held responsible by contract for that premises.
Coverage
extensions:
• Premises, Operations and Activities •
Products and Completed Operations
• Contractual Liability • Broad Form Property
Damage
• Personal Injury Coverage • Fire Legal Liability
• Incidental Malpractice • Hired and Non-owned
Automobile
• Liquor Liability including Host Liquor (except in
excluded states noted below)
COVERAGE LIMITATIONS:
Host Liquor -
Host Liquor Liability is included when alcoholic beverages
are served by others at functions incidental to your club
activities.
Hired & Non Owned Automobile -
Liability for the use of automobiles (including buses and
trailers) owned or leased by the named insured are not covered,
but liability (not comprehensive or collision coverage)
for the use of non-owned automobiles and hired automobiles
is covered. If a Sertoma organization owns an automobile
(or other vehicle), it must be insured separately.
Special Events –
Events and activities held throughout the year are automatically
covered under your General Liability policy with the following
exceptions, subject to terms, conditions and exclusions:
The following activities require Special Event Coverage
and are excluded under the General Liability policy:
a. Parades
b. Any event involving Aircraft
c. Motorcycle runs and automobile rallies
d. Fireworks
e. Firearms
f. Animals
g. Carnivals and fairs involving mechanical
rides
h. Rock, Hip-Hop or Rap concerts
i. Events including contact sports –
Contact sports are those sports where regular physical contact
is expected, football, wrestling, boxing, rugby, etc.
Non-contact sports include such sports as golf, tennis,
softball, baseball, basketball, cheerleading, etc. Participants
are not covered at any time for the sport
activity; they should carry their own accident coverage.
j. Rodeos
k. Political Rallies
l. Any event lasting more than ten (10)
days
m. Any event with more than 1,000 people
present at any one time (volunteers do not count toward
this number)
n. Any public event where liquor is being
sold, either directly or as part of a ticket in the following
states due to their state specific laws: Alabama, Alaska,
District of Columbia, Hawaii, Iowa, Louisiana, New Hampshire,
Vermont, & West Virginia. Additional coverage will need
to be obtained elsewhere.
The
club will need to submit a Special Event – General
Liability Supplemental Application for all events. The Special
Event – Liquor Liability Supplemental Application
will also be required whenever alcohol is present. Both
forms follow this section of the manual. The other events
listed above may require the purchase of additional coverage
as well under a separate Special Events policy. If you have
any questions regarding events or the need for additional
coverage please contact your Lockton representative for
assistance.
Although we have attempted to list specific exclusions,
other club activities may be considered unreasonably hazardous.
If your club sponsors an activity that might fall within
this category, you should check with Lockton Companies several
weeks prior to the event for a specific determination of
coverage. In doing so, you will help us to limit your exposure
to personal liability.
Activities Involving Outside Contractors/Vendors
– protect yourself from the liability of others:
In general, the policy applies to normal operations and
activities of clubs and Divisions. It is emphasized that
proper certificates of insurance must be obtained from any
party who conducts or assists in conducting any activity
sponsored by Sertoma. Operators of carnivals, fairs or rodeos,
concessionaires or any other parties conducting functions
for Sertoma must carry their own liability insurance, and
their policy should also name the club, International and
division as additional-insured parties.
Additional Coverage
Professional Liability –
This coverage provides protection for the errors and omissions
for which the club may be held legally liable in their work
as a human service organization. The policy provides coverage
in the amount of $1,000,000 each incident and $2,000,000
annual aggregate limit.
Employee Dishonesty Coverage -
Protection is provided up to $250,000 for loss because of
a dishonest act committed by an employee acting alone or
in collusion with manifest intent to cause the insured to
sustain a loss and the dishonest employee to obtain financial
benefit.
Umbrella Liability -
Umbrella Liability is provided to extend your General Liability
and Hired & Non owned Automobile Liability by an additional
$1,000,000 limit. This policy follows the underlying coverage
and is subject to the same terms, conditions and exclusions.
Request for Certificates of
Insurance
If the need for proof of insurance is requested please complete
the Special Event – General Liability Supplemental
Application form that is provided following these insurance
pages. You can fax, or e-mail your request to Lockton as
outlined on the form. The individual/organization requesting
the certificate will be mailed the certificate automatically.
The club will be sent a copy as long as an address, e-mail
or fax is provided. Sertoma International receives a copy
of all certificates issued. Before using photocopy a quantity
of the blank form for your files and future use.
Requests for Certificates:
Terri McClaskey
(816) 960-9241 - direct phone line
(816) 783-9241 - direct fax line
tmcclaskey@lockton.com
– email address
Are
We Insured?
Typical questions and answers are provided to explain coverage
within this program:
Q. Is there coverage for fire legal liability
for damage to contents of buildings, such as furniture,
carpeting, fixtures, when rented to or used by Sertoma?
–
A. No. Property you own or have regular
access to should be covered by a property policy in the
name of your club.
Q. Is there coverage for fire legal liability
for damage to buildings rented to or used by Sertoma?
A. Yes, coverage is limited to $300,000
please review your lease requirements and call your Lockton
representatives should you need assistance.
Q. Are Regional, District and other Sertoma
Conventions and meetings covered?
A. Yes as respects the general liability
coverage outlined above. Any convention or meeting lasting
ten days or more must submit the Special Event – General
Liability Supplemental Application prior to the event.
Q. Is there any fire protection for buildings
and contents owned by Sertoma?
A. No. Owned property should be protected
by a property policy in the name of the club.
Q. Are athletic events, horse shows, picnics,
parades, pancake days, dances, contests and similar activities
covered?
A. You must refer to the Special events
section of the insurance outline to determine the answer
to this question, when in doubt call and find out!
Q. Is an injury or damage caused by a Sertoman
assisting on a Sertoma project covered?
A. Yes, subject to the terms and conditions
of the policy, coverage applies to bodily injury & property
damage to others for which you are held legally liable while
acting on behalf of Sertoma.
Q. Does coverage extend to the operation
of automobiles (including buses and trailers) loaned to
Sertoma organizations?
A. Yes, the policy provides excess and
contingent coverage only. There is no comprehensive or collision
coverage on such vehicles. If your club owns or leases an
automobile or trailer, it will not be covered under our
policy.
Q. Does the policy apply to food poisoning?
A. Yes, if Sertoma is held legally liable
for the bodily injury to third parties.
Q. Our club owns a refreshment trailer
from which we sell food and beverages at fairs, carnivals,
picnics or other functions. Do we need separate liability
insurance?
A. Coverage requirements vary by State
on trailers. Please check on your State requirements as
they differ based on size and weight of trailers, license
requirements may not be the only factors. If you do need
coverage, then you need to purchase an auto liability policy
and comprehensive and collision coverage as you desire.
Q. Are foundations or affiliated or sponsored
organizations operated or controlled by local clubs covered?
A. Foundations or similar organizations
incorporated as separate entities must be responsible for
their own insurance requirements.
Q. Our club sponsors a speech and hearing
clinic. Are we covered for malpractice on the part of a
licensed physician or nurse we would employ? Is the doctor
who donates his services covered?
A. No. Obtain certificates of insurance
from professionals doing testing and from owners of facilities
and/or trailers.
Q. If volunteers were injured while working
on behalf of Sertoma, would they automatically be covered
under the medical payments?
A. Yes, volunteers can collect under medical
payments.
Q. Am I covered under medical payments
if I am injured while working as a “volunteer”
at a Sertoma sponsored event?
A. Yes, club members can collect under
medical payments. (This is a new coverage effective April
4, 2007.)
Q. Where may I receive additional information
about Sertoma’s comprehensive insurance coverage?
A.
Direct all inquiries to Lockton Companies, Terri McClaskey
(816 960-9241) or Peggy Henley (816-960-9026).
The policy is designed to cover the usual and customary
activities of Sertoma clubs. It does, however, exclude unusual
events like those mentioned above. The policy also includes
exclusions that include war, nuclear, auto, aircraft, and
watercraft. Losses involving property in your care, custody
or control is also excluded. All coverage is subject to
the specific terms, conditions and exclusions of the policy.
This material explains the general purposes of the insurance
but in no way changes or affects the policy that is actually
provided through Lockton Companies.
Claims
Procedure
General Information
The prompt and proper reporting of all losses and potential
claims is the key to effective loss adjustment and the ultimate
success of your insurance program.
There may be times when you are unsure if an incident that
occurs requires reporting. If a situation does arise and
you are unsure of what to do, you may call the Client Service
Team at Lockton Companies. One of the team members will
be glad to assist you.
Client Service Team Phone.............................................816-960-9666
Client Service Team Fax ..............................................
816-960-9608
Client Service Team E-mail............................................
KC-CST@lockton.com
Emergency/After
Hours
PHONE: 1-800-765-9749 - there is 24 hour catastrophic loss
assistance available through your program with Philadelphia
Insurance Company.
ONLINE: www.phly.com
FAX: 1-800-685-9238
E-MAIL: claimreport@phlyins.com
MAIL: Philadelphia Insurance Companies
Attention: Claims Department
One Bala Plaza, Suite 100
Bala Cynwyd, PA 19004
Loss reporting instructions for General Liability
In the event of a situation that might give rise to a claim,
do the following:
1. Secure first aid for the injured person,
if necessary.
2. Secure name, address and telephone number
of the injured person and all details of how the injury
or damage occurred.
3. Secure names and addresses of any witnesses.
4. Never make any commitment. Obtain the
facts as given to you on the situation and let injured party
know that the
incident will be reported for immediate action.
5. You can never give us too much information!
Details of conversations and the attitudes of the involved
parties will be of help in evaluating the situation.
6. Telephone or fax all losses to:
Client Service Team Direct Line 816-960-9666
Lockton Companies Main Line 816-960-9000
444 West 47th Street, Suite 900 Fax Number 816-783-9000
Kansas City, MO 64112-1906
Any letters, bills, suit papers . . . everything received
by you pertaining to a claim must be mailed in immediately
to Lockton Companies.
Sertoma
Club Loss Control Information
SERVICE CLUBS AND MEMBERS HAVE TO FIGHT FOR THEIR
CAUSES
During a recent fundraising event of the ABC Service Club,
Mrs. A. Smith of 123 Main Street tripped on an unsecured
power cord, resulting in minor head injuries and a broken
hip. Though her direct medical costs were provided for,
Mrs. Smith brought separate lawsuits against the ABC Service
Club and each of its members for lost wages and pain and
suffering.
Even though the club carried liability insurance, the members
had not properly maintained the club’s incorporation,
leaving them exposed to individual liabilities. Fortunately,
a settlement was negotiated with the club and its insurance
carrier, and the suits against the individual members were
dropped.
As one member stated, “We never thought the cause
we would be fighting for was protecting the future of our
club and families in court – we do not plan to stop
working to help our community, but we will no longer believe
good intentions are enough protection.”
PREVENTION IS PRICELESS
You would not want to be the club in this example, and there
are numerous ways you can protect your club and members.
Two of the most important are the liability insurance provided
through Sertoma International and properly incorporating
your club – and then maintaining the incorporation
by filing the required annual reports.
Loss Prevention at Fundraising Events
We can support our sponsorships because of our ability to
raise funds in our communities. This ability to conduct
events is directly related to our ability to retain liability
protection for our clubs and members. During the past decade,
as costs for insurance have soared, so too have the requirements
to maintain a policy. At the same time, coverage is no longer
available for many “high risk” activities. For
example, we currently cannot obtain coverage for youth programs
at our International Convention. For some organizations,
availability itself is an issue. We are fortunate that Sertoma
International has not been as dramatically impacted by these
changes as have many of our peer organizations.
It is essential that every club and member work to maximize
our protection by limiting losses during club fundraisers
and activities. The insurance carrier, even if it does not
lead to a claim being paid, tracks every report of an incident.
The frequency of reported incidents and claims has a significant
impact on our policy costs, even if the dollar amount of
claims paid is relatively low.
We are working closely with our carrier to ensure that we
manage our costs and protect our coverage. At the recommendation
of our carrier, we will be increasing our education efforts
to help our clubs better manage the risks associated with
fundraising events.
Great Food, Cold Drinks, Good Times, Big Problems
Whether directly, or through outside contractors and vendors,
it is critical that your club is prepared when hosting an
event that serves food and beverage or provides other entertainment.
There are numerous issues that can evolve into a claim against
your club. Some potential claims include tainted food, personal
injury, inadequate security, poor crowd control and product
liability.
In reviewing our incident record we see many of these issues,
but the most common is personal injury in the form of a
“slip and fall.” So how do we protect ourselves
and limit accidents from occurring?
Little Acts, Big Solutions
We may not be able to prevent every accident, but many can
be avoided by systematically making sure that the event
is as safe as possible. It begins with an initial inspection
of your site, but there are several other steps you should
take to maximize your protection.
