KIWANIS INTERNATIONAL COMMERCIAL GENERAL LIABILITY INSURANCE
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1 KIWANIS INTERNATIONAL COMMERCIAL GENERAL LIABILITY INSURANCE
2 NAMED INSUREDS Kiwanis International and its owned, controlled, subsidiary or affiliated organizations now or hereafter constituted including; Kiwanis Clubs Kiwanis Districts Kiwanis Divisions Kiwanis Club Foundations Kiwanis District Foundations Kiwanis International Foundation Kiwanis Societies (Canada) Key Clubs Circle K Clubs Builders Clubs AKtion Clubs K Kids Additional Insureds: Club Members Volunteers
3 THE PROGRAM COMMERCIAL GENERAL LIABILITY - (Bodily Injury, Personal Injury & Advertising Injury, and Property Damage): Each Occurrence Limit $1,000,000 General Aggregate $2,000,000** Products/Completed Operations $2,000,000 Personal/Advertising Injury $1,000,000 Non-Owned & Hired Auto Liability $1,000,000 subject to Policy Aggregate $3,000,000 Fire Damage (Any One Fire) $ 50,000 Medical Payments: 3rd Party $ 5,000 Members/Vols. $ 5,000 INCLUDES: Premises/Operations Products/Completed Operations Independent Contractors Liability **NOTE: General Aggregate applies per District!
4 THE PROGRAM - Contd. COMMERCIAL UMBRELLA LIABILITY - Excess of Underlying/Primary Insurance: Each Occurrence Limit $35,000,000 Policy Aggregate Limit $35,000,000** Self-Insured Retention $ 10,000 Includes: Premises/Operations Products/Completed Operations Independent Contractors Liability Non-Owned & Hired Auto Liability **NOTE: Limit applies per District!
5 KIWANIS Policy Exclusions Aircraft/Balloons/Parachutes/Ultra Lights Sale of Liquor Motorized Racing/Stunting Events Bungee & Velcro Jumping Law Enforcement Activities Watercraft: Owned, Non-Owned OVER 50 Asbestos & Lead Related Liability Med. Payments for Athletic Participants Care, Custody & Control - Property Pollution Liability Firearms Limitation Live Hunting Exclusion Employment Practices Liability
6 Current Market Climate Ten years of indiscriminate rate cutting Investment Income no longer offsets Underwriting Losses! Profit becomes the main objective Fewer carriers willing to quote Catastrophe Losses Flood, Fire or Quake Reinsurance Market Losses Need to increase reserves on old claims Restrictions on some classes of business Reduced Capacity/Limits available
7 Cost Components of Kiwanis Insurance Program Insurance Premiums Claims within the Self-Insured Retention Self Insured Retention for Sexual Misconduct $250,000! Insurance charge per Kiwanian must fund both!
8 KIWANIS INTERNATIONAL LIABILITY LOSSES - FREQUENCY 11/88 TO 5/
9 KIWANIS INTERNATIONAL FREQUENCY BY TYPE 11/88-5/03 Sex Abuse 13 Camps Xmas Trees Haunted House Defame/EPL Automobile 65 Miscellaneous 245 Specl.Events 20 Prop. Damage 104 Slips/Falls 362 Burns
10 KIWANIS INTERNATIONAL COST BY TYPE 11/88 TO 5/03 Sex Abuse Camps Xmas Trees Haunted House Defame/EPL Automobile Miscellaneous Specl.Events Prop. Damage 53,319 7,400 61, , , ,304 81,990 8,073,058 10, Slips/Falls 2,075,540 Burns 462,328 $0 $2,500,000 $5,000,000 $7,500,000 $10,000,000
11 2,815 KIWANIS INTERNATIONAL LIABILITY LOSSES - COST INCURRED 11/88 TO 5/03 1,439, , , ,527 4,114,076 2,899, , , , , , ,082 57,763 10,994,164 12,000,000 11,000,000 10,000,000 9,000,000 8,000,000 7,000,000 6,000,000 5,000,000 4,000,000 3,000,000 2,000,000 1,000,
12 KIWANIS INTERNATIONAL Loss Development As Of 5/03 Policy Valued Valued Valued Valued Valued Valued Valued Year May-97 May-98 May-99 May-00 May-01 May-02 May ,776,448 3,883,729 3,953,704 3,939,913 4,490,527 4,516,106 4,114, ,299,794 1,299,794 1,307,333 1,304,833 1,437,326 1,438,794 1,439, ,278,794 2,255,447 2,255,447 3,499,675 2,897,586 2,794,808 2,899, ,992,044 11,048,661 11,055,460 11,088,369 10,994,164 10,994,164 10,994, , , , , , , , , , , , , , , ,
13 KIWANIS INTERNATIONAL Loss Development As Of 5/03 Policy Valued Valued Valued Valued Valued Valued Valued Year May-97 May-98 May-99 May-00 May-01 May-02 May , , , , , , , ,444 84, , , , , , ,070 48, ,065 88, , , ,650 91, , , , , , , , ,763
14 KIWANIS INTERNATIONAL LIABILITY & AUTO - LARGE LOSSES NUMBER VS. % OF TOTAL COST AS OF 5/ Losses = 5% 64 Losses = 95% 62 LOSSES OVER $25,000 = 95% OF THE TOTAL INCURRED COST OF CLAIMS!
15 12,000,000 10,000,000 8,000,000 6,000,000 4,000,000 2,000,000 KIWANIS INTERNATIONAL LIABILITY PREMIUMS & LOSSES 11/1/88-02 (As of 5/03) Premium Incurred Losses
16 KIWANIS INTERNATIONAL ACCOUNT LOSS RATIO: 11/1/88-02 As of 5/03 Total Losses 22,266,645 Total Premiums 15,403, ,000,000 10,000,000 15,000,000 20,000,000 Loss Ratio = 145%
17 General Liability Issues A Safety Coordinator in Every Club A District Risk Manager in Each District Be Involved, not just Sponsoring! Minimize High Hazard Activities! Use the Risk Management Packet!!! DON T offer others coverage under the Kiwanis Insurance Program!!! Protect the Program as if it were your own Business or Personal Insurance! When in doubt, Call HYLANT GROUP at (800)
18 District Risk Managers: A valuable resource available to assist in answering questions about the Kiwanis General Liability Insurance Program, and to help in identifying and dealing with exposures to loss inherent in your club and District activities. DON T HESITATE TO CALL ON THEM!!!
19 HYLANT GROUP 501 Congressional Boulevard Suite 300 Post Office Box 1910 Carmel, IN Toll Free (800) Phone (317) Fax (317)
20 DIRECTORS & OFFICERS LIABILITY INSURANCE Covers Directors, Officers, Employees, Staff, Volunteers, Committee Members Covers Employment Related Matters Full Prior Acts Coverage Pays Defense in addition to Policy Limits Defense Costs paid on current basis No Insured vs. Insured Exclusion
21 KIWANIS D&O Coverage Claims Made Coverage - Important Aspects What this means for future & past Boards Affordability Issue Increased Claims involving Harassment Discrimination - Good Old Boy syndrome Youth group exposures & impact on the district How should clubs make a decision?
22 DIRECTORS & OFFICERS LIABILITY INSURANCE Includes Entity Coverage Non-Cancelable by the Insurer Foundations covered at no additional cost $1,000,000 Limit with No Retention Premium determined on a per district basis Application Required
23 Typical D&O Claim Allegations Failure to Act Mismanagement of Funds Conflict of Interest Bad Faith Unfair Employment Practices Wrongful Termination Discrimination Sexual Harassment
24 D&O vs. General Liability - What is the Difference? Genl. Liability covers Bodily Injury, Property Damage, and Advertising Injury D&O Covers Wrongful Acts (not( Bodily Injury, Property Damage, etc.) plus it covers Employment Practices Liability hazards. Genl. Liability is Occurrence Coverage D&O is Claims Made Coverage
25 COMPREHENSIVE CRIME INSURANCE COVERAGE Includes Employee Dishonesty, Forgery, Money & Securities Coverage Definition of Employee includes District Chairman, Volunteers, Non-Compensated Officers, and Committee Members $10,000 Base Limit with $100 Deductible $125 Annual Premium No Application Required
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