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New Insurance arrangement - 'Rotary Youth Extension'
Correspondence on the new insurance arrangements refer to a 'Rotary Youth Extension' on the Liability policy. But it seems that what that says is not detailed anywhere? Please explain and advise.
After consulting the broker, Apex Insurance, the wording for the Additional Cover endorsement on the Policy is as follows:
Additional Cover for Rotary programmes involving youth.
This policy provides additional cover for Districts [Clubs] that have programmes involving youth, where, as disclosed to AIG:
1. the District [Club] has adopted (as amended for the territory covered) the Rotary International Youth Protection Guide and the policies as set out in the Appendices to that document and
2. has completed amendment of Appendix A - District Youth Protection Policy to incorporate the laws of the jurisdiction and
3. has implemented screening and vetting of volunteers working with youth, including Police checks for those volunteers where required by the policy and finally
4. ensure that volunteers are trained as required by the District.
In summary provided Districts and Clubs follow the mandated Rotary International policy, as adapted by Districts in accordance with the Guide the Additional cover is explicitly included.
Additional Follow On Answer (August 6th 2020 16.41)
I would like to see the wording of the policy endorsement that specifically overrides Exclusion 8 please. Without that, even if the Club DOES adopt the RI Youth Protection Guidelines the exclusion surely must still apply? Meaning that NO additional cover is actually provided?
I am still awaiting a reply to this comment from last week please. The 'Additional Cover' woridng you refer to does not state HOW that additional cover is provided when the Sexual Misconduct Exclusion still applies to the underlying policy wording. If anything, the 'Additional Cover' is really a just a warranty requiring Rotary to act in a certain ways - it in itself provides NO 'additional coverage' as far as I can see. Will you please explain how it does? Also, what about Sexual Misconduct' that falls outside of a Rotary programme involving 'youth'? And how is 'Youth' defined?
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Asked: 4/08/20, 3:46 AM |
Seen: 202 times |
Last updated: 6/08/20, 1:45 AM |
Thanks - but I would like to know how that additional cover provided for in the policy wording? The AIG Insurance 'Association Edge' wording policy wording supplied by Apex has a specific 'Sexual Misconduct Exclusion' (exclusion 8). Is this exclusion formally over-ridden by this 'Rotary Youth Extension', or not. This is a crucial question because we have seen from other organisations' experiences this is the most likely source of legal action in this regard.