The district is adopting a new modern fit-for-purpose insurance regime for the District, Clubs and Rotary Programmes beginning in July 2020. This comes about as a consequence of a major review and analysis of the old insurance policy which is over 15 years old.
 
The key change in arrangement is that a single district-wide policy is no longer operating.
Each District, Club and Trust are individually responsible for establishing their own insurance cover according to their individual needs.
Over time, regulations and laws have changed and Rotary International requirements have increased, particularly in regard to youth activities with children (under 18).
In the 21st century, a single district wide cover that would meet modern legal and RI requirements and adequately cover the whole range of Rotary activities in the district and nationally would be expensive. 
 
The Christchurch and Kaikoura earthquakes have fundamentally changed the behaviour of insurers globally. Insurers are far more risk averse. In today's world, the disclosure requirements for policy holders, and the penalties for getting it wrong are far higher.
 
There are critical legal processes that must be completed by policy owners to ensure cover is maintained with least risk. This raises the administrative burden. So, district-wide cover is administratively unwieldy and risky and would likely impact the level of district fees to ensure correct administration and operation. Moreover, each district is currently arranging its own insurance separately and this prevents Rotary throughout NZ from benefiting from opportunities for economies of scale.
 
Instead, D9940 is joining a new modern insurance programme based on establishing national master policies in which each subscribing district or club is a named party in the policy. Each policy type addresses specific insurance requirements of Districts, Clubs and Rotary Programmes like RYLA, RIYE and RYPEN, INTERACT and providing a much more robust risk management framework to all our clubs and Rotarians.
 
The programme that has been developed is an opt-in programme. Districts, Clubs and Trusts are not (and cannot be) required to take up this programme. They are free to choose their own Broker and establish their own insurance covers. They are also free to not insure themselves as well if they choose to, provided the risks of this choice are clearly understood.
 
However, those that choose to do-it-themselves (particularly clubs) should ensure they understand and can communicate to their broker all the key risk issues they wish to insure. This is particularly important in regard to youth activities with children under 18.
 
The programme is being rolled out in July 2020 and information and advice for clubs will be provided during July.
 
In addition to the new programme information coming, the following advice continues to be relevant and will apply within the new programme.

DISTRICT AND CLUB ACTIVITIES
Death or bodily injury claims during public events
This is covered by the Accident Compensation Act and there is no liability at all on the part of the Rotary Club whether they are negligent or not. However the possibility of exemplary damages claim for personal injury may be made against clubs.  The Club must be negligent and this negligence must be proven.
 
Damage to a Rotarian’s personal property while on Rotary activities.
This should be covered by the member’s own personal insurance on their household goods and personal effects. The new District and Club policies do not provide such cover.
 
Accidental damage to property belonging to the public
Cover for this liability will be part of each District and Club Associations Cover. This means if Clubs are conducting an activity in a public place, they will need to have their own Club cover. The limit of liability in each policy will be $2,000,000.
 
Accidental damage to club or district property.
This will be covered by a specific policy called a Moveables Policy, with a value commensurate with potential risk (ie the value of the assets), instead of one big fee paying for a huge amount to cover a range of possible scenarios.
 
Weather catastrophe
It is possible to insure against rain causing cancellation of an event. That is an expensive class of insurance and an insurance broker should be asked to arrange it.
 
Youth Protection.
The world is a very different place to where it was 15 years ago. Police vetting for Rotarians as required by local NZ regulations and Rotary rules were introduced a number of years ago.
 
From July 2020, Rotary International has further added some specific requirements for insurance in circumstances where a Rotarian and/or a non-Rotarian directly involved in the activity may be left in sole charge of children under 18 - particularly where residential care is required.
 
The old policies could not cope with this requirement. The District and Club Associations cover has been developed to include a specific youth extension to provide cover for these youth activities.
 
Clubs will be required to have this cover if they are involved in such youth activities.

Important Notes
It is essential that when a club is involved in an activity outside the “normal day-today Rotary activities” or in some activity that is obviously risky, the brokers must be advised beforehand, e.g. a major fireworks display or extensive fund raising activities using vehicles, boats or aircraft.
Clubs cannot assume that everything they do is automatically covered. If in any doubt contact the insurance brokers, and ensure that written confirmation is received of any advice given by them.
 
The new "standard" club insurance policy does not cover what is termed “professional negligence”. This will be an optional extension available. So, for example offering to run a fair game to make money. If it flops, then without the extension, the club policy does not provide cover.
 
Insurance Brokers
The new D9940 Insurance Brokers are Apex Insurance.
Darrin Madgwick,
Apex Insurance
P: (09) 968 2153
M: 021 936 113
E: darrinm@apexinsurance.co.nz
 
ROZOPS Ltd, Rotary NZ's national organisation will be managing the Insurance programme for Districts and Clubs that opt-in.
 
For further information or explanation, please contact the D9940 Finance Committee Chair John Mohi.
 
SPECIAL NOTE: VOLUNTEERING OVERSEAS
The new national ROZOPS insurance programme is developing a comprehensive set of premier travel covers.
 
These policies will be accessible to all Rotarians, Rotary Programme participants and Rotary alumni. They will provide for personal travel cover (eg holidays), Volunteer cover and group travel.
 
ROZOPS will be providing more information through the District in August 2020.
Gillian Jones
District Governor