CLUB & REGIONAL LIABILITY INSURANCE
The Quota International Office recommends that all clubs obtain liability insurance. Following are insurance programs available to clubs located in Australia, Canada, and the United States. Quota recommends that clubs NOT located in one of these countries contact a local insurance provider.
The National Insurance Scheme in Australia covers all Australian Clubs and is current from July 1 to June 30 the following year. Public Liability Insurance is compulsory for all incorporated clubs for a value of $2,000,000.00. All Clubs have chosen to also include a Property Policy, an Accident Policy for members up to the age of 90 years and a Fidelity Guarantee Policy as a Bond for the Club Treasurer. The current Insurance Broker is Steadfast Insurance in Brisbane which buys the policies from QBE.
Executive Administrator Asia-Pacific, Beris Pritchard negotiates a premium renewal on all policies each year in May and each Club is invoiced at the end of May. The Quota International account must be paid to the Broker and Quota International paid by the Clubs before a Certificate of Currency is provided by the Broker directly to the Clubs for the coming year, by June 30.
The Certificate provided by the Broker must be filed carefully by each club and it is recommended that the President, Secretary and Treasurer all have a copy in their possession in the event of an officer being away, or the Certificate being misplaced. Payment is based on the number of members reported on the October Dues Statement of the previous year.
Canada's liability insurance policy is with Intact Insurance in Toronto. Bell Insurance Agencies serves as the agent for the policy. Canada Area funds pay for the policy and the Region 1 Director bills each club for its share. Bills go to clubs after verification of each club’s membership as per the January dues statement and membership rosters.
For more information, contact Region 1 Director Marilyn Smith at email@example.com.
New Zealand residents and visitors to New Zealand are covered by the ACC (Accident Compensation Corporation), which provides comprehensive, no-fault personal injury cover. An individual Club may choose to take separate cover for a particular Quota event.
The U.S. liability insurance program is covered by the Rust Insurance Agency, LLC. The program is administered through the Quota International Office. Limited liability insurance is designed to protect U.S. clubs and regions against claims alleging negligence that cause injuries to third parties (persons other than members)
In August, all U.S. clubs and regions receive an information letter and form. All U.S. clubs and regions are asked to complete and return the form, even if they are not purchasing the policy.
September 30 is the deadline for all U.S. club liability payments. A $50 late processing fee will be added to payments postmarked after Sepetember 30. All forms and payments (checks/money order) should be sent to: Quota International, 1420 21st Street, NW, Washington, D.C. 20036. After payment is received, the Quota International Office staff will send the club its certificate of insurance and a special events questionnaire that must be filed before each event.
Forms and inquiries on special events should be directed to: Billy Simons, Rust Insurance Agency, firstname.lastname@example.org,1510 H Street, NW, Washington, DC 20006. Telephone: (202) 776-5013; Fax: (202) 776-1286.