Lions Australia

1. INSURANCES CHARGED ON SEMI ANNUAL DUES ACCOUNT

1(a) PUBLIC LIABILITY

This policy is arranged on a World-wide basis by The International Association of Lions Clubs and neither the MD 201 Council, the Insurance Committee nor the Brokers have any control or authority over this policy.

Lion, Leo and Lioness directors, officers, employees and members are included as additional insureds for liability incurred whilst acting in such capacities. Volunteer workers are included as additional insureds for liability incurred whilst working on Lions' projects.

Clubs must make sure that all activities undertaken are approved by the board and recorded in the Minutes. Only officially adopted owned & controlled activities are covered.

NOTE: Provided certain proper steps are taken by the sponsoring Lions Club, then Ladies Auxiliaries are included as Additional Insureds. Proof must be available that the Lions Club owns and controls the Auxiliary. If there is any doubt, you should seek detailed advice from PDG Bob Korotcoff.

Persons or organisations, public or private, granting use of premises for Lions activities are included as Additional Named Insureds for their liability arising out of the use of such premises by Lions, except when liability is due to sole negligence of the person or organisation granting such use. Premises are defined as real property including structures thereon. Also included as Additional Named Insureds are States or political subdivisions who issue permits to a named insured for liability arising out of the named insured's activities under such a permit.

Limit of Liability

US$ 1,000,000 combined single limit per occurrence, bodily injury and property damage. Regardless of the number of insureds under the policy, the Company's limit of liability is US$1,000,000 for bodily injury to one or more persons in one occurrence; US$1,000,000 for damage to property in one occurrence - subject, however, to a combined maximum liability of US$1,000,000 per occurrence.

Additional Public Liability Insurance

As the sum insured under the Worldwide Liability policy is only US$1,000,000, and in view of the awards frequently handed down by the Courts, and the fact that owners of premises often demand higher coverage, the MD 201 Council has arranged an excess layer of AUS$ 19,000,000. This cover follows the worldwide policy completely. The premium is partially paid from the MD 201 Insurance Fund and the balance is recovered from Individual Clubs via the semi- annual dues.

Coverage (General Liability)

The policy covers the insured, including Lions, Lioness and Leo Clubs, Districts, individual members and volunteer workers, for amounts which they shall become legally obligated to pay as damages to third parties because of bodily injury or property damage caused by an occurrence arising out of, or in the course of, Lions' functions or activities.

Automobile Liability

Liability for the use of automobiles (including buses and trailers) owned by a named insured is not covered. The liability of a Lions organisation (named insured) for the use of rented, hired or non-owned automobiles (including member's automobiles) is covered, but only as excess over the owner's insurance.

If a Lions organisation owns an automobile, the vehicle must be separately insured. Coverage IS NOT provided for the liability of the owner or operator of any automobile or for physical damage to any automobile used in connection with Lions' Activities.

Exclusions

The policy is a standard Comprehensive General Liability form and contains the exclusions usual to such insurance. Liability arising out of the operation, maintenance or use of automobiles owned by a named insured is not covered. Liability arising out of the operation, use or maintenance of aircraft is not covered. Liability arising out of the operation, maintenance or use of watercraft owned by a named insured is not covered. The policy is excess over any other valid and collectable insurance policy.

Special Activities

In general, the policy applies to most operations and activities of Clubs and Districts with the exception of the operation, use or maintenance of aircraft, automobiles owned by the Club or District and certain watercraft. However, we emphasise that proper certificates of insurance should be obtained from any organisation or person who conducts or participates in any activity sponsored by Lions. Concessionaires or any parties conducting functions for Lions should carry their own liability insurance and their policy should also name the Club, District and International as additional named insureds in connection with the particular event being sponsored. Make sure that any concessionaires provide you with the following information: name of insurer, sum insured, due date, policy number.

Owners of premises used by Lions are included as additional named insureds under our policy in respect of their liability for your use of their premises. Where necessary, certificates of insurance can be issued and if required, you should contact PDG Bob Korotcoff to obtain these. Remember, if you are asked for proof of public liability insurance, contact PDG Bob Korotcoff who will issue the necessary Certificates. BUT PLEASE ALLOW AT LEAST TEN (10) DAYS NOTICE FOR PROCESSING.

A club can download the two standard certificates of currency by clicking here. (You must download two certificates)
If special certificates of currency are required including named insureds, send the details to PDG Bob Korotcoff by clicking here. These certificates will be provided as soon as possible.

Claims

When a claim arises, DO NOT admit liability or suggest that compensation will be offered. If correspondence or any other communication is received indicating that a third party feels a Lion member, Club, or District is responsible for damage or injury, an immediate report should be made. Notification of any incident which might result in a claim should be given immediately to PDG Bob Korotcoff who in these instances would represent the Insurance Committee, and on your behalf, he will report the situation to the Insurers, and will guide you in what actions you are to take.

Satisfactory claim settlements can best be made by those properly trained for this function. No Lion or Lion's Representative should enter into negotiations with a third party unless requested to do so by the ACE Insurance Company Ltd or the Lions Insurance Programme Consultant, PDG Bob Korotcoff.

To report an incident that might result in an action / claim being brought upon your club, click here.