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LIONS CLUBS INTERNATIONAL LIABILITY INSURANCE PROGRAM GENERAL NAMED INSURED The International Association of Lions Clubs has a program of Commercial General Liability The International Association of Lions Clubs, all Insurance that covers Lions on a worldwide Districts (Single, Sub - and Multiple) of said basis. The policy is issued by ACE American Association, all individual Lions Clubs Insurance. All Clubs and Districts are organized or chartered by said Association, Leo automatically insured. No action on your part Clubs, Lioness Clubs and any other Lions is necessary. organization owned, controlled or operated by a Named Insured or by individual Lion members The purpose of this booklet is to describe the while acting on behalf of a Named Insured. plan in a manner that will enable Lions to understand its application to their activities. The If an entity falls within this definition, it is a Provisions of the policy apply to most normal named insured under the policy. Note, however, liability exposures of Lions Clubs and Districts, that the Constitution and By-Laws of the including their functions and activities. Claims International Association of Lions Clubs provide arising out of liability for the operation, use, or that no individual or entity other than Lions maintenance of aircraft, automobiles owned by Clubs and Districts may use the Lions name or Lions organizations and certain water- craft are emblem without a specific license granted by the not covered (See “Exclusions”). These pages are International Board of Directors. (See question explanatory only and cannot cover all possible number 20.) We cannot issue a certificate of situations. Nothing in this booklet can be insurance showing such an entity as the insured construed to extend, alter, vary or waive any of unless approval has been granted. the provisions of the policy. If unusual situations arise which require further explanation, inquiry ADDITIONAL INSUREDS should be directed to: (GENERAL LIABILITY ONLY) WILLIS HRH • Lion, Leo and Lioness Directors, 333 E. BUTTERFIELD ROAD, Fifth floor Officers, Employees and Members are LOMBARD, ILLINOIS 60148 included as additional insureds for Phone (630) 324-2778 or (800) 316-6705 liability incurred while acting in such Fax (630) 324-2501 capacities. E-mail [email protected] • Individual volunteer workers are included as additional insureds for Bear in mind that this is a legal liability policy liability incurred while working in only, and does not provide “accident” insurance Lions projects. that will pay for injuries regardless of fault. • Persons or organizations, public or Limited “Medical Payments” coverage is private, granting use of premises for provided, but it does not apply to a person Lions activities are included as injured while taking part in athletics. additional insureds for their liability arising out of the use of such premises INSURER by Lions, except when liability is due to ACE American Insurance Company sole negligence of the person or organization granting such use. NOTE: The contents of this booklet can be Premises are defined as real property viewed at www.lionsclubs.org including structures thereon. Revised May 2009 1 LA-3 • Also included, as additional insureds, Automobile Liability are states or political subdivisions that issue permits to a Named Insured for Liability for the use of automobiles owned by a liability arising out of the Named Named Insured is NOT covered. The liability of Insured’s activities under said permit. a Lions organization (Named Insured) for the use of hired or non-owned automobiles (including LIMITS OF INSURANCE members’ automobiles) is covered, but only as excess over the owner’s insurance. If a Lions General Aggregate Limit organization owns an automobile, it must be $2,000,000. separately insured. Coverage is not provided for Products-Completed Operations Aggregate the liability of the owner or operator of any $2,000,000. automobile, or for physical damage to any Personal & Advertising Injury Limit automobile used in connection with Lions $1,000,000. activities. The term “automobile” includes Each Occurrence Limit busses, trucks and trailers. $1,000,000. Damage To Premises Rented To You Automobiles your club might rent or borrow are $1,000,000. a particular concern. The policy does not provide Premises Medical Expense Limit automobile physical damage insurance. If you (Any one person) rent an automobile, be sure to purchase insurance $ 1,000. from the rental company to cover damage to the vehicle. The Limit of Liability applicable to each occurrence is $1,000,000 for Bodily Injury and The same limitations apply to other property you Property Damage combined. If the activities of might rent, borrow or use. See questions 4 and 5 your Club or Lions Organization are such for further comments. that you desire a larger limit of liability, it is recommended that you arrange locally for an Exception Umbrella or Excess Liability policy. In certain countries there are compulsory motor COVERAGE vehicle laws fixing responsibility on the owner for accidents arising out of the use of an General Liability automobile. In other countries there are laws regulating automobile insurance that could The policy pays sums that the insured, including render the coverage provided by this program Lions Clubs and Districts and individual invalid. In such countries, the Hired, Rented and members and volunteer workers, becomes Non-Owned Automobile Liability coverage legally obligated to pay as damages to third would not apply. parties because of Bodily Injury or Property Damage caused by an occurrence arising out of Contractual Liability or in the course of Lions functions and activities. If your club enters into a written contract, it is The following liability coverages are provided: likely that it will contain a “Hold Harmless • Premises, Operations and Activities Agreement” which requires you to protect the • Products and Completed Operations other party from injury or damages arising out of • Owners and Contractors Protective your activities. Many agreements that used to be • Contractual Liability made on a handshake now require a written • Personal Injury & Advertising Injury contract to define each party’s rights and obligations. The policy does provide Contractual • Damage To Premises Rented To You Liability insurance, but the contract might • Incidental Malpractice contain unfair or ambiguous wording that would Medical Payments • not be covered. Legal advice is necessary when entering into contracts. Specific legal advice Please review this booklet for additional details concerning leases and other agreements should regarding this coverage. be provided by local legal counsel. See question 21 for further comments. Revised May 2009 2 LA-3 EXCLUSIONS Persons or organizations granting use of premises used by Lions are included as The policy is the 2001 ISO Commercial General additional insureds under your policy with Liability form on an occurrence basis and respect to their liability for your use of their contains the exclusions usual to such insurance, premises. Where necessary, Certificates of including: Insurance can be issued in their favor upon • Liability arising out of employment request. related perils is NOT covered. • Liability arising out of the operation, SAFETY OFFICER maintenance or use of automobiles owned by a Named Insured is NOT Each Lions Club or other organization should covered. designate a Safety Officer with duties as follows: • Liability arising out of the operation, use or maintenance of aircraft is NOT 1. Review this booklet and pages 4, 5 and 6 in covered. particular as they apply to activities being • Liability arising out of the operation, planned. maintenance or use of watercraft owned by a Named Insured is NOT covered. 2. Review each Club activity from a safety • Pollution and Asbestos exclusions standpoint and identify potential hazards. apply. • The Liquor Liability exclusion applies. 3. Complete the self-inspection checklist for each Liability arising out of the sale or activity (available on the Association’s website) serving of alcoholic beverages is NOT and keep a copy on file. covered. When Clubs or Districts sell or serve alcoholic beverages or distribute 4. Ensure that there is adequate supervision of alcoholic beverages at a fund raising the event for the protection of Lion members, activity or event, separate Liquor spectators, participants and the public. Liability insurance should be arranged locally if available in your jurisdiction. 5. Obtain Certificates of Insurance from circuses, The Association’s experience in liquor carnivals, concessionaires, or other operators liability situations is such that it cannot who conduct or participate in Lions events, and recommend, and in fact discourages, have them name your Lions Club as additional clubs from participating in events insured. involving the sale or serving of alcoholic beverages. 6. Gather all significant information on any incident that might result in a liability claim and The policy is excess over any other valid and report it promptly to the insurance company as collectible insurance. instructed in this booklet. SPECIAL ACTIVITIES PREMIUM PAYMENT In general, the policy applies to most operations The costs of this insurance program are paid by and activities of Clubs and Districts with the the International Association of Lions Clubs. exception of the operation, use or maintenance of aircraft, automobiles owned by the Club or CLAIM COSTS District and certain watercraft. However, we emphasize that proper Certificates of Insurance The cost of the insurance program is directly should be obtained from any party who conducts related to the cost of claims. The cost of each an activity sponsored by Lions. Concessionaires claim adds to the amount paid by the or any parties conducting functions for Lions International Association of Lions Clubs and should carry their own liability insurance and Lion members through payment of their their policy should name the Lions Club or International dues. Since it is Lions’ money that District as and additional insured. pays the claims, it is important that Lions Clubs and other insureds make safety a priority in the conduct of their activities.

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