The mission of the Lions ALERT program is:
To provide Lions with a standardised structure and network to deliver
needed services to people in emergency situations.
DISTRICT 410A
Lions Alert Emergency Preparedness Framework
Club and District Level
Adopted/Approved:
26 JULY 2014
1st Annual Review Date:
Completed:
2nd Annual Review Date:
Completed:
3rd Annual Review Date:
Completed:
Lions Alert Emergency Preparedness Framework at Club and District Level
Compiled by: PDG James M (Jimmy) Lang - DC Lions Alert
Page 1 of 16
TABLE OF CONTENT
1.0
INTRODUCTION
2.0
LIONS INVOLVEMENT AND ROLE
3.0
DEFINITION OF TERMS
4.0
TYPES OR LEVELS OF EMERGENCY
5.0
PHASES OF EMERGENCY
6.0
BEFORE AN EMERGENCY OCCURS
7.0
AFTER AN EMERGENCY OCCURS
8.0
UNDERSTANDING PROGRAM PARAMETERS
9.0
KNOWLEDGE OF LIONS ALERT PROGRAM RESOURCES
10.0 UNDERSTANDING LIONS CLUBS INTERNATIONAL (LCIF)
RESOURCES
11.0 LIONS CLUBS INTERNATIONAL INSURANCE PROGRAMS
12.0 EXAMPLES OF LIONS CLUBS INVOLVEMENT
13.0 CLASSIFICATIONS OF DISASTERS
14.0 ABBREVIATIONS
15.0 REFERENCES
16.0 ANNEXURES
Lions Alert Emergency Preparedness Framework at Club and District Level
Compiled by: PDG James M (Jimmy) Lang - DC Lions Alert
Page 2 of 16
The purpose of the emergency preparedness framework plan
To provide guidance to Lions Alert representatives at both Club and District level on emergency
policies and procedures to protect the lives and property of communities they serve.
1.0
INTRODUCTION
Every region is subject to a range of emergencies such as fires, transport accidents, incidents
involving hazardous substances and severe weather emergencies readily dealt with by the
principal emergency services.
While each of these threats is a problem in and of themselves, they are frequently the cause of
secondary issues such as long-term power and telephone outages. In some cases, the event
may cause disruption to critical supplies and services such as food, medical supplies etc.
Preparing for such disasters is critical for ensuring the safety and security of communities.
In 2006, the Lions international board approved the Lions ALERT emergency preparedness
program that encourages clubs, districts, and multiple districts to develop a pro-active plan in
the event of a natural, man-made, or health care emergency.
For decades, Lions have provided humanitarian assistance to people affected by disasters.
Lions remain dedicated to serving their communities, especially in times of crisis.
Some emergencies affect a single family; others affect entire towns, cities, or countries. The
severity of an emergency dictates the level of response. Lions can prepare themselves to serve
as an important resource or “force multiplier” to aid in addressing needs during a crisis and the
consequent phases of an emergency or disaster.
The purpose of the Lions Alert Emergency Preparedness Framework is to not only provide
standardised structure and network to deliver needed services to people in emergency
situations, but also to clarify the Lions Alert role and responsibilities in this regard and to provide
a common approach for our work in emergencies.
Firstly, we outline our role within the Disaster Risk Management Continuum.
Secondly, we briefly describe the structure of Disaster Management within in district,
established and maintained by the City of Cape Town together with our role as one of the
stakeholders with regards to Response, Relief and rehabilitation structure.
Thirdly, we elaborate the steps of our Lions Alert Program including our code of conduct, before
and after situations, internal and external preparations, Insurance cover and grant applications
etc.
At the end of the document we include a case study outlining the types of standard operating
procedures and processes to adhere to in an emergency.
Lions Alert Emergency Preparedness Framework at Club and District Level
Compiled by: PDG James M (Jimmy) Lang - DC Lions Alert
Page 3 of 16
2.0
LIONS INVOLVEMENT AND ROLE
How are Lions involved in disaster relief?
Lions clubs have many opportunities to participate in disaster relief from collecting and
distributing food, water, and other necessities, to assisting in long-term rebuilding efforts and
participating in emergency preparedness activities. The extent of Lions involvement depends on
the club’s resources and opportunities to support emergency respondents on the ground.
What will a Lions club be expected to do as part of a Lions ALERT team? First, they will
meet with local emergency preparedness authorities. Then, the club can develop a separate
Lions ALERT plan that meets their needs and the capabilities of club members.
What if there is a need for additional resources? Lions can request and/or donate manpower
and materials for any Lions humanitarian project through the online database, Lion-2-Lion:
Resource Assistance Database.
Is there a possible local partner for a Lions ALERT Team? Yes. In 2009, Lions Clubs
International entered into a partnership with the International Federation of Red Cross and Red
Crescent Societies (IFRC). Lions clubs can contact their local chapter of the Red Cross for
development of joint disaster preparedness and relief projects. Meet with your local Red Cross
in your community.
Who are the Lions and what are Lions Clubs all about? Who else will be there after the TV
cameras have gone, after the initial aid has run out? Who will be there to help those affected to
rebuild their lives, their communities in the long run? We will be. We're not for the short sprint.
We're in for the marathon to help those worse off than ourselves to cross the finishing tape.
OUR ROLE is defined as:“response, recovery and relief” in relation to a disaster, means
measures taken during or immediately after a disaster in order to bring relief to people and
communities affected by the disaster.
3.0
DEFINITION OF TERMS
Disaster means a progressive or sudden, widespread or localized, natural or human caused
occurrence which
a) Causes or threatens to cause;
I. Death, injury or disease;
II. Damage to property, infrastructure or the environment; or
III. Disruption of the life of a community; and
b) Is of a magnitude that exceeds the ability of those affected by the disaster to cope
with its effects using only their own resources;
Disaster Management encompasses a continuous, integrated, multi-sectoral and
multidisciplinary risk reduction as well as post reduction recovery aimed at:
• Preventing or reducing the risk of disasters
Lions Alert Emergency Preparedness Framework at Club and District Level
Compiled by: PDG James M (Jimmy) Lang - DC Lions Alert
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• Mitigating the severity or consequences of disaster
• Emergency preparedness
• Rapid and effective response to disasters
• Post disaster recovery and rehabilitation;
Incident means a natural or human-caused occurance of a minor which causes death, injury or
desease; or damage to property and infrastructure and disruption of the life of a household or
community to an extent that the affected person or families cannot cope with its effects and thus
requires external assistance;
Major Incident means an incident that cannot be managed without coordination from ajoint
operations centre, but does not meet the criteria of a disaster;
Service Provider means any public service, private sector company, non-profit organization,
non-governmental organization, church organization, community organization, institution that
aims to assist beneficiaries;
4.0
TYPES OR LEVELS OF EMERGENCY
Level One emergency affects a few people. As a local emergency, a local response is
needed. A house fire or localized flood may be an example of a Level One emergency. A single
Lions club may provide the affected people with assistance and supplies such as drinking water,
food, shelter, or clothing.
Level Two emergency affects a larger geographical area. A tornado, hurricane/cyclone,or
mudslide may be an example of a Level Two emergency. A coordinated district response may
be necessary for a Level Two emergency. At this level, governments and other relief agencies
may become involved in relief efforts, as first responders. Districts may be eligible to request a
Lions Clubs International Foundation (LCIF) Emergency Grant.
Level Three emergency affects hundreds or thousands of people. A multiple district or several
multiple districts can provide aid for victims of a catastrophic event such as a tsunami or an
earthquake. Governments and other relief organizations such as the International Federation of
Red Cross/Red Crescent Societies would be among the first responders to the disaster and
Lions could work alongside these and other relief agencies to provide humanitarian aid to Level
Three victims.
5.0
PHASES OF EMERGENCY
Four phases of emergency management
Response plans, where possible, should address all four phases of an emergency. The severity
of each situation will determine the level of Lions’ response.
Lions Alert Emergency Preparedness Framework at Club and District Level
Compiled by: PDG James M (Jimmy) Lang - DC Lions Alert
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Mitigation (Prevention) is a cost-efficient method for reducing the impact of hazards through
preventative measures.
Preparedness involves the development of a plan of action in case of emergency. An
emergency operations center and a practiced emergency response plan are two elements of the
preparedness phase.
Response includes the mobilization of emergency services as defined in the emergency plan.
Recovery aims to restore the affected area to its previous state, such as rebuilding destroyed
property, infrastructure and re-employment.
6.0
BEFORE AN EMERGENCY OCCURS
In the event of a local emergency - Lions should work with local emergency officials and first
responder organisations to define the Lions’ role, responsibilities and operational actions
needed for a coordinated response and recovery within their needs and the capabilities of the
local club or district.
7.0
AFTER AN EMERGENCY OCCURS
Mobilize a Lions ALERT team after an emergency has occurred and cooperate with local
emergency assistance resources
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Communicate with club. District, and multiple district leaders as well as outside agencies
about the situation and the capabilities of the Lions ALERT Team.
Encourage districts to work together in the event of a natural, man-made, or healthcare
emergency.
Remind Lions ALERT team members to comply with safety regulations.
Lions Alert Emergency Preparedness Framework at Club and District Level
Compiled by: PDG James M (Jimmy) Lang - DC Lions Alert
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8.0
Work with the public relations chairperson to submit Lions ALERT news and photos to
local media.
Remind Lions to use Lions-logo signs and wear Lions-logo apparel when serving as
members of a Lions ALERT team.
Remind all Lions ALERT chairpersons to complete an annual review of their Lions
ALERT plan.
UNDERSTANDING OF PROGRAM PARAMETERS
How are Lions involved in disaster relief?
Lions clubs have many opportunities to participate in disaster relief from collecting and
distributing food, water, and other necessities, to assisting in long-term rebuilding efforts and
participating in emergency preparedness activities. The extent of Lions involvement depends on
the club’s resources and opportunities to support emergency respondents on the ground.
What will a Lions club be expected to do as part of a Lions ALERT team? First, they will
meet with local emergency preparedness authorities. Then, the club will develop a Lions ALERT
plan that meets their area needs within the capabilities of club members.
What if there is a need for additional resources? Lions can request and/or donate manpower
and materials for any Lions humanitarian project through the online database, Lion-2-Lion:
Resource Assistance Database.
Is there a possible local partner for a Lions ALERT Team? Yes. In 2009, Lions Clubs
International entered into a partnership with the International Federation of Red Cross and Red
Crescent Societies (IFRC). Lions clubs can contact their local Red Cross for development of
joint disaster preparedness and relief projects.
9.0
KNOWLEDGE OF LIONS ALERT PROGRAM RESOURCES
9.1
See annexure below 16.2
10.0 UNDERSTANDING LIONS CLUBS INTERNATIONAL
FOUNDATION (LCIF) RESOURCES
LCIF CAN HELP
Thanks to the support Lions provide to LCIF on an ongoing basis, Emergency Grants are
available. Lions district governors in disaster-affected areas can apply for a LCIF Emergency
Grant of up to US$10,000 for water, food, clothing, blankets, and medical supplies. We have
learned from experience that when a disaster victim receives aid quickly, it provides strength
needed to survive the shock and loss and even a little hope for the future. To date, more than
3,000 emergency grants have been awarded.
When disasters occur on a much larger scale, Major Catastrophe Grants are awarded for
long-term reconstruction projects. Major Catastrophe Grants are directed by the Foundation’s
Board of Trustees and cannot be applied for by a district. These grants provide significant funds
Lions Alert Emergency Preparedness Framework at Club and District Level
Compiled by: PDG James M (Jimmy) Lang - DC Lions Alert
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for catastrophes with major international impact, such as the Japan earthquake and tsunami,
China and Haiti earthquakes, Hurricane Katrina and the South Asia tsunami.
For complete information, contact LCIF at 630-571-5466 or log onto the Lions Web site
at: www.lionsclubs.org. Click into, About Lions, LCIF, then, LCIF Emergency Grants
10.1 See annexure below 16.3
11.0 LIONS CLUBS INTERNATIONAL INSURANCE PROGRAM
The Lions Clubs International Liability Insurance Program provides liability coverage for
Lions and volunteers serving on a Lions project. Lions insurance does not include medical
malpractice.
Districts or multiple districts should establish their own Lions ALERT emergency assistance
fund to finance the preparation and implementation of their emergency response plans. The
Lions ALERT committee is encouraged to seek in-kind donations and financial contributions
from government sources and other organizations supporting disaster relief. Inform local
officials and first responder organizations about Lions’ willingness to provide assistance during a
crisis.
11.1 Safety Officer & Typical Questions and Answers - See annexure
below 16.5
13.0 CLASSIFICATION OF DISASTERS
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When an event of disaster proportions occurs or is threatening to occur in any part of the
City, the Head of the Disaster Risk Management Centre will determine whether the
event can be classified as a Local State of Disaster in terms of the Disaster
Management Act, 57 of 2002 and, if so, the DRM Centre will immediately :initiate efforts to assess the magnitude and severity or potential magnitude and severity
of the disaster;
alert all the disaster risk management role-players in the municipal area that may be of
assistance in the circumstances;
initiate the implementation the disaster response plan or any contingency plans and
emergency procedures that may be applicable under the circumstances of the threat;
and inform the Western Cape Provincial and National Disaster Management Centres of
the disaster and the initial assessment of the magnitude and severity or potential
magnitude and severity of the disaster.
When informing the Western Cape Provincial and National Disaster Risk Management
Centres, the Head of the DRM Centre may make recommendations regarding the
classification of the disaster as may be appropriate in terms of Section 49 of the
Disaster Management Act, 57 of 2002.
Irrespective of whether a local state of disaster has been declared or not, the City is
primarily responsible for the co-ordination and management of local disasters that occur
in its area, in terms of Section 55 (1) of the Disaster Management Act, 57 of 2002.
Lions Alert Emergency Preparedness Framework at Club and District Level
Compiled by: PDG James M (Jimmy) Lang - DC Lions Alert
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Whether or not an emergency situation is determined to exist, municipal and other
agencies may take such actions under this plan as may be necessary to protect the lives
and property of the inhabitants of the City of Cape Town.
Declaration of a local state of disaster: - In terms of Section 55 of the Disaster
Management Act, 57 of 2002, in the event of a local disaster, the City Council may, by
notice in the Provincial Gazette declare a local state of disaster if existing legislation
and contingency arrangements do not adequately provide for the municipality to deal
effectively with the disaster, or if there are any other prevailing or special circumstances
that warrant the declaration of a local state of disaster.
If a local state of disaster has been declared, the City Council may make by-laws or
issue directions, or authorise the issue of directions to:o Assist and protect the public;
o Provide relief to the public;
o Prevent or combat disruption; or
o Deal with the destructive and other effects of the disaster.
14.0 ABBREVIATIONS
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The following abbreviations are used in the Municipal Disaster Risk Management Plan:CoCT - City of Cape Town
DCT - Disaster Co-ordination Team
DisRes - Disaster Resources Database
DRMC - Disaster Risk Management Centre
DOC - Disaster Operations Centre
EMO – Emergency Medical Operations
EMS - Emergency Medical Services
IDP - Integrated Development Plan
JDRRMC - Joint Disaster Risk Reduction Management Committee
JOC - Joint Operations Centre
MDMAF - Municipal Disaster Management Advisory Forum
MIMP - Multi-disciplinary Incident Management Plan
MPD - Metropolitan Police Department
NDMC - National Disaster Management Centre
PDMC - Provincial Disaster Management Centre
PECC - Public Emergency Communications Centre: 107
PG: WC - Provincial Government: Western Cape
SANDF - South African National Defence Force
SAPS - South African Police Service
SOP - Standard Operating Procedure
15. 0 REFERENCES
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Constitution of the Republic of South Africa, Act 108 of 1996
Disaster Management Act, 57 of 2002
Local Government: Municipal Systems Act, 32 of 2000
Policy Framework for Disaster Risk Management in South Africa, 29 April 2005
Lions Alert Emergency Preparedness Framework at Club and District Level
Compiled by: PDG James M (Jimmy) Lang - DC Lions Alert
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Western Cape Disaster Risk Management Policy Framework
City of Cape Town Disaster Risk Management Policy Framework
Comprehensive Disaster Risk Assessment for Cape Town, 2009/10.
16.0 ANNEXURES
16.1 UPDATED AMENDMENTS
None to date
16.2 KNOWLEDGE OF LIONS ALERT PROGRAM RESOURCES
4 checklists:
o How to Develop a Lions ALERT Plan
o Disaster Relief Opportunities
o Personal Safety Checklist
o After a Disaster Occurs
16.3 EXAMPLE OF LIONS CLUBS INVOLVEMENT
Lions clubs, districts, and multiple districts have contacted local authorities and developed Lions
ALERT plans to provide assistance in the event of a natural, man-made, or healthcare
emergency.
For example:
1) The Lions Club of Gordon’s Bay are partners with The Community FIREWISE
Committee in Gordon’s Bay and provide their Clubhouse (a resting place for firefighters,
medical staff and helicopter pilots and they receive refreshments) and Sports Fields (a
safe place to rest and fuel their helicopters and a safe place for community to store their
private motor cars, trailers, caravans and other positions at a risk of being damaged by
fire).
2) The Merriman Lions Club in conjunction with the city of Cape Town (CoCT) has
embarked on a winter preparation plan of action and will be joining the Stop Hunger Now
project to help save lives during winter times and flood damaged areas and will include
easily assessable warm meals. During 2013 winter months more than 2000 have been
distributed.
3) The Strand Lions Club, Somerset West Lions Club together with Gordon’s Bay Lions
Club (provided headlamps for the EMO (Emergency Medical Operations) for the night
emergency teams to recover valuable medical equipment for flood damaged hospital
wards and operating rooms) assisted during the Floods in the Helderberg and when the
Lourens River burst its banks. The De Tyger Leo’s Club members also assisted by
providing a soup kitchen for victim of the floods.
16.4 LCIF EMERGENCY GRANTS TO DISTRICT 410A
Lions Alert Emergency Preparedness Framework at Club and District Level
Compiled by: PDG James M (Jimmy) Lang - DC Lions Alert
Page 10 of 16
Feb 1983
Jun 1996
Dec1998
Aug 1999
Sept 2001
Aug 2003
August 2004
Mar 2006
Jul 2008
Emergency
Emergency
Emergency
Emergency
Emergency
Emergency
Emergency
Emergency
Emergency
Drought Relief
Fire Disaster Relief
Flood Relief
Tornado Relief
Flood Relief
Flood Relief
Flood Relief
Flood Relief
Flood Relief
xxxxxxxxxx
xxxxxxxxxx
xxxxxxxxxx
Rocklands
xxxxxxxxxx
Wallacedene
xxxxxxxxxx
Mariental, NAM
Brown’s Farm
$5 000.00
$10 000.00
$10 000.00
$10 000.00
$10 000.00
$10 000.00
$10 000.00
$10 000.00
$10 000.00
16.5 SAFETY OFFICER
Each Lions Club or other organization should designate a Safety Officer with duties as follows:
1.
Review the booklet LCI Liability Insurance Program -la3 and pages 4, 5 and 6 in
particular as they apply to activities being planned.
2.
Review each Club activity from a safety standpoint and identify potential hazards.
3.
Complete the self-inspection checklist for each activity and keep a copy on file.
4.
Ensure that there is adequate supervision of the event for the protection of Lion
members, spectators, participants and the public.
5.
Obtain Certificates of Insurance from circuses, carnivals, concessionaires, or
other operators who conduct or participate in Lions events, and have them name
your Lions Club as additional insured.
6.
Gather all significant information on any incident that might result in a liability
claim and report it promptly to the insurance company.
Should you have any further inquiries regarding this policy, please contact the following:
ACE Insurance Ltd South Africa
Ground Floor, The Bridle
Hunts End Office Park
38 Wierda Road West
Wierda Valley
Sandton
Tel:
Fax:
+27(0)11 722-5700
+27(0)11 722-5714
+27(0) 86 515-9734
Postal Address:
P.O. Box 1192, Saxonworld, 2132.
Website: www.aceinsurance.co.za
Lions Alert Emergency Preparedness Framework at Club and District Level
Compiled by: PDG James M (Jimmy) Lang - DC Lions Alert
Page 11 of 16
Contact Persons:
Mrs C Moreira – Claims Manager
Thabo Mofolo - Claims Officer
LIONS CLUBS INTERNATIONAL LIABILITY INSURANCE PROGRAM
TYPICAL QUESTIONS AND ANSWERS
I. DOES THE POLICY APPLY TO?
1. Injury to a Lion or volunteer worker working on a Lions project?
Only if there is legal liability resulting from negligence of an insured. The Medical Expense
Limit of $1,000 would apply regardless of liability.
2. Food poisoning?
Yes.
3. Legal liability for damage to buildings and their contents rented or used by Lions?
The policy covers Lions for their liability for fire damage to buildings while rented or
temporarily occupied by Lions with the permission of the owner. Coverage also applies to
Lions liability for damage to buildings and their contents from causes other than fire, while
rented to Lions for seven or fewer consecutive days.
4. Liability for operation of automobiles (including busses, trucks and trailers) hired
by, rented by or loaned to Lions organizations?
Yes. The owner’s insurance is primary, but this policy provides excess and contingent liability
coverage for the Named Insured. We cover the legal liability of the Club or District only. We
do not cover the owner or operator of the vehicle or damage to the vehicle or its contents.
5. Damage to property owned or used by Lions or in their care, custody or control?
No.
6. Lions liability for injury to a participant in a sporting event or other similar activity
conducted by Lions?
Only if there is legal liability resulting from negligence of an insured. The Medical Payments
coverage does not apply to a person injured while taking part in athletics.
7. Zone, District and other Lions conventions?
Yes.
8. Does a Leo, Lioness, Club Branch, New Century or Campus Club have the same
protection under the plan as a Lions Club?
Yes.
II. OTHER QUESTIONS
9. Our Club owns a building (or park or other facility) at which we conduct activities.
These are often open to the public and admission may be charged. We also rent the
Lions Alert Emergency Preparedness Framework at Club and District Level
Compiled by: PDG James M (Jimmy) Lang - DC Lions Alert
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building to others for various activities. Are these several phases of building
operations covered for our legal liability?
Yes. However, others who rent or use the building or facility should carry their own liability
insurance and include your club as an additional insured. Our policy does not protect the
renter or user for their liability. If alcoholic beverages are served or sold, you or the user
should arrange liquor liability insurance to protect both parties if required under the laws of
your jurisdiction.
10. Are any Worker’s Compensation benefits provided?
No. If your club hires any employees you should arrange separate Workers Compensation
insurance. If your club engages a contractor, carnival operator or other service provider, you
should obtain a certificate of insurance which includes Workers Compensation coverage from
them.
11. Our Club operates a Glaucoma Clinic. Are we covered for malpractice on the part
of a doctor we employ? Is a doctor who donates his services covered?
The definition of “Bodily Injury” in the policy has been amended to include injury arising out of
the rendering of or failure to render professional services by a physician, dentist or nurse
while employed by, or donating his services to the Named Insured. Your Club would be
protected for its contingent liability for the doctor’s acts. The doctor’s own malpractice
insurance would be primary. We provide “Incidental Malpractice” coverage for the Club only
and do not cover the doctor for his direct professional liability. Trained professional
technicians are treated the same as doctors when performing services within their
profession.
12. Is all coverage excluded for events at which we sell or serve alcoholic beverages?
No, the policy still covers the event, but the liquor exclusion applies to liability arising out of
the sale or serving of alcoholic beverages.
13. Is “Medical Payments” coverage provided which will pay for medical expenses
without regard to legal liability?
Yes, but only to a limit of $1,000 per person. The coverage does not apply to injury to a
person injured while taking part in athletics.
14. Our Club will conduct an aviation activity. How does the policy apply to this?
The policy would apply to activities, concessions, etc., at the event, but would not cover
accidents arising from the ownership, maintenance or use of any aircraft. The show operator
or aircraft owners must carry adequate liability insurance. To be protected you must have
your Club named as additional insured under the operator’s or owner’s insurance or arrange
separate coverage protecting your Club for the event.
15. A Lion is driving his car on Lions business and strikes a tree, damaging his car
and injuring himself. Is there any coverage under this policy?
No. We do not provide physical damage insurance on cars used on Lions business and there
would be no legal liability or medical payments coverage for the injury to the Lion member.
Lions Alert Emergency Preparedness Framework at Club and District Level
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16. Our Club owns a refreshment trailer from which we sell food and beverages at
fairs, carnivals, picnics or other functions. Do we need separate liability insurance?
No. The current policy provisions state that a vehicle maintained primarily for purposes other
than transportation of persons or cargo is not an “automobile” as defined in the policy, and
coverage would apply. However, our policy would be excess over the insurance on the
vehicle towing the trailer in jurisdictions where such insurance extends to the trailer.
17. Our Club sponsors a soccer league (or Little League or other similar activity)
which is separately controlled by the league organization. Is the soccer league an
insured under our policy?
No. The league should have its own Liability coverage and should name your Lions Club as
an additional insured. Sponsored athletic organizations should also carry Sports Accident
insurance to cover medical expenses for participants who might be injured in the activities.
The Medical Payments coverage under our policy does not apply to participants in athletic
events.
18. Does our club need to purchase Director’s & Officers Liability Insurance?
Lion Clubs, Districts and other Lion organizations should consider purchasing Director’s &
Officers liability insurance to protect the organization and its individual directors for alleged
“wrongful acts”. Such policies include coverage for damages, settlements and costs, as well
as charges and expenses incurred in the defence of actions, suits or proceedings. The term
“wrongful act” is typically defined to include any error, misstatement, misleading statement,
act, omission, neglect or breach of duty committed by an insured person. Clubs may also
elect to purchase crime coverage including “Employee Dishonesty” insurance. Also referred
to as a “fidelity bond”, this protection insures against loss of money, securities and other
owned property as a result of dishonest acts committed by an employee, officer or director
whether or not they can be identified, or if they are acting in collusion with other persons.
19. What other coverage should our Club consider purchasing?
As previously mentioned, in situations where alcohol is sold or served, you should arrange
for liquor liability insurance. If your club owns or rents buildings or personal property, you
should purchase coverage for damage to this property. Liability and Physical Damage
coverage for owned vehicles including trailers, as well as physical damage coverage for
rented or leased vehicles, should be considered. If your club has employees, it is important
that you arrange for workers compensation coverage where required in your jurisdiction.
Please consult with a local insurance agent to consider additional coverage your club may
need.
20. If our Lions Club allows the use of the emblem and /or the name “Lions” by
another entity, are they insured under our policy?
The Constitution and By-Laws of the International Association of Lions Clubs provide that no
individual or entity other than Lions Clubs and Districts may use the Lions name or emblem
without a specific license granted by the International Board of Directors. Application for such
Lions Alert Emergency Preparedness Framework at Club and District Level
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license may be obtained on the Association website under Club Resource Centre/
Publications/ Legal/Registered Agent, Incorporation & Foundation Resources.
If the entity has a current license granted by the International Association of Lions Clubs, the
provisions of the policy would apply.
21. Our Club is leasing a hall for a fundraising event. The lease has a “Hold Harmless
Agreement” and other insurance requirements. If we sign the agreement, will the
association’s insurance policy provide the coverage required?
Specific legal advice concerning leases and other agreements should be obtained from local
legal counsel. Hold Harmless Agreements generally require assumption of responsibility for
“any and all” liabilities. The association’s policy has various limitations and exclusions and
does not therefore cover “any and all” liability. Other contractual provisions may not be
consistent with the policy coverage. For these reasons, a club should be sure it has the
insurance coverage required before it enters into leases or other contractual agreements.
Lions Alert Emergency Preparedness Framework at Club and District Level
Compiled by: PDG James M (Jimmy) Lang - DC Lions Alert
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16.6 DISASTER RISK POTENTIALS
END
Lions Alert Emergency Preparedness Framework at Club and District Level
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