Lions Australia

Nothing in this summary may be construed to extend, alter, vary or waive any provision of the various policies and, if unusual situations arise which require further explanation, enquiries should be directed to the Lions Insurance Programme Consultant or in the event of the lack of an early response, to the Broker or any member of the Insurance Committee.

Insurance cover for Lions Clubs in Multiple District 201 is effected or can be purchased in three different ways. The three ways are as set out below. PLEASE NOTE THAT ALL PREMIUMS QUOTED INCLUDE THE GST AT THE CURRENT RATE.

1. Insurances charged on the District Semi Annual Dues Account to all Clubs.

The premiums for the policies arranged under this section by the MD Council are paid from part of the individual dues which Lions pay to Multiple District through their respective Districts and from premiums shown on the semi- annual dues account. The annual Multiple District Convention determines the maximum insurance premiums which Lions are required to pay and this amount cannot be exceeded without the approval of Delegates at a Multiple District Convention. This limit is currently $16.00 Plus GST.

TYPE OF POLICY	INTEREST INSURED	SUM INSURED	COMMENTS
1(a) Public Liability Primary Layer	Legal Liability to the General Public in respect of negligence.	US$1,000,000	Covers all Lions Club activities, subject to policy exclusions
Excess Layer	Legal Liability to the General Public in respect of negligence. TOTAL SUM INSURED	AU$19,000,000 in excess of the above US$1,000,000 Total over US/AU$20,000,000	This is a second layer cover over the above policy.
	TOTAL SUM INSURED	US/AU$20,000,000
1(b) Personal Accident	On all Lions, Leos, Lionesses, Accompanying Partners and Voluntary Workers whilst attending any officially constituted Lions Activity or Meeting.	$50,000 Capital Benefits. Up to $450 per week for 104 weeks. Subject to proof of income. Additional Expenses following an accident up to $2,000.	Subject to a 5 day franchise.
1(c) General Property	Lions Club Regalia and Equipment used in the administration of your Club, including Lioness and Leo Clubs' Regalia (excluding project equipment and road signs) anywhere in Australia; P N G & Norfolk Island.	Clubs $3,500 Districts $7,500	Subject to $50.00 excess.
1(d) Fidelity Guarantee	Misappropriation of goods or monies, the property of Lions Clubs, by club members anywhere in Australia and PNG & Norfolk Island.	$150,000	Members: $1,000 Excess. Secretaries and Treasurers : Nil Excess.
1(e) Directors and Officers Liability	Legal Liability of officers of Lions Clubs for personal actions brought against them for actual or alleged inappropriate actionable conduct. Note: Foundations and Commercial Activities not insured.	$1,000,000 any one loss $5,000,000 any one year	Refer to Summary for outline of policy conditions.
1(f) Workers Compensation	Insurance of employees is a statutory requirement in every State or Territory and the MD Council has arranged a policy in each State, except Victoria and South Australia, to cover casual employees of any Lions Club or District, eg waiters at functions, gate attendants and the like. In South Australia and Victoria, Workcover exists and all Clubs in those States must ensure that they register under the conditions and requirements of the SA Act if they employ any labour. The MD 201 Insurance Committee is unable to assist you in this regard. PERMANENT OR PERMANENT-CASUAL EMPLOYEES ARE NOT COVERED.
1(g) Loss of Cash	Cash in transit, including whilst at any meeting or project site. Loss through hold-up. Whilst in member's home for 48 hours plus any intervening non-banking period	$10,000 $10,000 $10,000	Subject to $50 excess.

2. Project Insurances Paid By Multiple District Council Or From Specific Project Funds.

TYPE OF POLICY	INTEREST INSURED	SUM INSURED	COMMENTS
2(a) General Property	Christmas Cakes and Lion Mints stocks anywhere in Australia, Papua New Guinea or Norfolk Island	$50,000	Subject to a $50 excess
2(b) Travel Insurance	Youth Exchange Programme travel insurance for outgoing Youth and Chaperons	See Youth Exchange brochure	Premium is included in programme cost
2(c) Personal Accident	Youth of the Year Quest	$30,000 Capital Benefits. Up to $150 per week subject to proof of income.	Covers Entrants from the District finals to the National finals and round Australia trip.
2(d) Miss Personality Quest Entrants Personal Accident Insurance Cover. (or Other Similar Quests) All insurance requirements for each state quest are the responsibility of each state committee. If any assistance is required, contact PDG Bob Korotcoff. EACH STATE COMMITTEE SHOULD REVIEW THEIR INSURANCE PROGRAMME TO ENSURE ADEQUATE PROTECTION. J U A Underwriting Agency Pty Limited provides a Personal Accident Insurance facility for entrants and their voluntary workers on the following basis: Cover: $30,000 capital benefits; up to $250 per week subject to proof of income. Premium: $7.70 entrants only or $12.65 Entrants and their Voluntary Workers. To arrange this cover, the Quest Organisers should send a cheque for the appropriate premium based on the estimated number of entrants to PDG Bob Korotcoff. At the conclusion of that year's Quest, the actual number of Entrants should be advised and the premium will be adjusted accordingly.

3. Optional Extra Insurances

The following insurances are optional and only apply if your Club has forwarded an optional additional insurance application and has paid the respective premium.

TYPE OF POLICY	INTEREST INSURED	SUM INSURED	COMMENTS
3(a) Personal Accident	Increase the $50,000 Capital Benefit or the $450 Weekly Benefit	See section 3(a) of the Summary	Must cover all members of the Club
	Lions members aged 76 to 80 inclusive	$50,000 capital Up to $450 per week	Names MUST be supplied
	Lions members aged 81 to 85 inclusive	$50,000 capital Up to $450 per week	Names MUST be supplied
3(b) Loss of Cash	--	Standard of $10,000 can be increased to $20,000	--
3(c) Cash-A-Can	Scales used for this project - insurance as required by owners	$1,000	See Optional Application.
3(d) Motor Vehicle Excess	Reimbursement of Excess and Loss of No Claim Bonus whilst using private vehicles on Lions Clubs projects	Up to $2,000.00	Club membership:- up to 15: $ 82.50 up to 20 $110.00 up to 25 $137.50 up to 30 $148.50 31 and over $165.00
3(e) Travel Insurance	Members & Families of MD 201	Various as per Policy Wording	Available to all members of MD 201 and their families. Provides Travel insurance facilities whilst travelling Overseas.
3(f) General Property	Project equipment or stock of any kind, Catering Caravans or BBQ Trailers, Club Owned Buildings	As requested	All details must be supplied on back of Optional Additional Insurances application form for quote

The following ARE NOT insured.
If cover is required, please contact the Lions Insurance Programme Consultant, PDG Bob Korotcoff or a Member of the Insurance Committee and complete the Optional Additional Insurances Application:-

Items borrowed or hired including property owned by members.
Pluvius insurance or Event Cancellation.
Project Equipment of any kind, including Buildings.
Any business activity of your club - ie opportunity shop or raffle prizes (Note: Public Liability still insured.)
Catering caravans, trailers or members' motor vehicles, including any excess paid on members' own policy for damage to own vehicle unless club has purchased special excess optional policy.

LIONS RISK MANAGEMENT STATEMENTS

Safety

The Multiple District 201 Council of Governors believes that it is possible to eliminate the great majority of accidents and injuries that occur to Lions and their voluntary helpers. Indeed, accident free projects should be the constant aim of all Clubs.

It is clearly recognised that the safety of all Lions and volunteers is of prime importance. Clubs, therefore, should make every attempt to reduce the possibility of accidents on all projects and at meetings, including whilst travelling to and from activities and meetings.

Each Club should plan projects with safety in mind. Members should not attempt physical activities for which they are not capable or for which make them or their fellow Lions or volunteers susceptible to injury. Every Club should appoint a projects safety/security officer whose function shall be to advise the board in relation to safety and security aspects of a project. Total accident prevention is not possible until every Lion understands that he or she has a vital role to play in the prevention of accidents and has an obligation to act and work safely at all times, not only for his or her safety, but for the general safety of others. Please recognise your responsibility to yourself, your families, your fellow Lions and to others.

Security

Clubs and members should be security conscious and have appropriate security arrangements in place and take adequate precautions when handling and storing cash. Remember that cash should be banked as soon as possible after a function or project, but in any case within 48 hours or on the next banking day. Money or other valuables should not be left in unattended motor vehicles, tents, halls or in stalls. It is also strongly recommended that the Board of each Club requires that their Treasurer tables a copy of the bank statements at each Board meeting so as to certify the bank balances.

Liabilities

We are living in a Society where an injured or offended party is looking to take action against somebody. Clubs and members must take care that they do not do, or fail to do, something which could render them liable for an action against them. Particular care should be taken by clubs when terminating or refusing membership or refusing transfers from other Clubs. If in doubt, it is strongly recommended that contact be made with the Lions Insurance Programme Consultant for assistance and advice.