Posted on Jun 13, 2018
The U. S. Rotary Club and District Liability Insurance Program provides general liability (GL) and officers’/employment practices (D&O/EPL) insurance coverage automatically to active U. S. Rotary Clubs, Districts, club and district foundations, Interact clubs, RYLA, PETS, Rotary Youth Exchange, and other organizations on file with Rotary Risk Management. 
The GL coverage protects clubs against liability claims for bodily injury to a third party and damage to a third party’s property.  This applies to events, fund raisers, and other activities, and includes liquor liability.  Non-owned/Rented Auto Liability coverage is on an excess basis only, not on a primary basis.  The D&O is for claims made against clubs directors and officers that result from their activities, such as managing financial affairs and establishing policies.  The EPL is for claims arising out of clubs employment practices and some membership issues.  The maximum limits per claim for general liability is $7,500,000 and the maximum limit per claim for directors & officers/employment practices liability is $2,000,000.
In regards to a specific event, a club may be asked to provide a certificate of insurance.  To obtain a certificate, contact our broker, Arthur J. Gallagher, by email at, or by phone at 1-833-376-8279.  If the event is expected to involve 25,000 or more people, the club will have to make separate insurance arrangements; as such an event is beyond the scope of the U. S. Rotary Club and District Liability Insurance Program.
For assistance and further information, contact Carl Luckenbach, District 5840 Insurance Representative,, 830-997-1652, or Rotary Risk Management,, 1-847-424-5245.