The U.S. Rotary Clubs and Districts Liability Insurance Program ("Program") provides all U.S. Rotary clubs and districts and Rotaract clubs with general liability (GL) and directors' and officers'/employment practices liability (D&O/EPL) insurance. 

Over the past five years, one third (33%) of all claims reported under the Program were related to injuries resulting from a slip, trip or fall. Half (50%) of all claim costs paid under the Program’s self-insured retention were related to slip, trip or fall injuries. Some of these injuries could have been prevented, if tripping risks were recognized and removed before the start of the event.

As clubs and districts begin planning outdoor fundraising events,
it is important to ensure safety is part of the planning. A banana peel is on the ground, many people will walk around it; a few might toss it aside and even fewer will pick it up and place it in the waste container. Be the person who picks up the banana peel.

Below are some of the pre-event steps clubs and districts could take to ensure the outdoor events are slip or trip hazard free and ready for excited attendees. For additional steps and loss prevention strategies, please see Slip, Trip & Fall Prevention at Outdoor Events loss prevention strategies on Gallagher Insight.

Assign person(s) to inspect (before, during and after) the venue area, which could include parks, streets, parking lots or neighborhoods, where your event is being held for any potential risks for slip, trip or fall injuries:
  • Clear the area of possible hazards, such as broken glass, rocks or other objects.
  • Look for areas that could pose a slipping or tripping hazard such as unsecured or loose electrical cords lying on the ground.
  • Direct your vendors to check their areas and ensure that they secure all loose cables/wires in and around their booths or tents. 
  • Require responsible parties to properly raise and anchor  their tents, canopies and other temporary structures using post weights and marked ropes/stakes.
  • Ensure walkways are sufficiently lit, wide enough and clutter free for people to walk around safely.
  • Mark divots, trenches, uneven surfaces or inclines on the grounds or in walkways with the use of cones, flags, yellow caution tape, etc. 
  • Document the hazard(s) found and the follow up action(s) to resolve it.
It is important to make safety a priority when conducting all activities and events to prevent or minimize injuries. Please share this information with Rotarians involved in event planning.
Insurance Resources: 
All Program insurance resources, including copies of insurance policies, summaries, loss prevention strategies, certificate of insurance, and incident reports can be found on Gallagher Insight, the dedicated Program insurance website for U.S. Rotarians. 
Upcoming e-mailings:
  • March 2020 - information pertaining to the upcoming renewal of insurance policies
  • June 2020 - information pertaining to 2020-21 insurance assessment rates
  • July 2020 - information pertaining to 2020-21 insurance policies and available insurance resources
Risk Management