The District provides a comprehensive Group Insurance Policy for Rotary Clubs.  This policy is a Commercial General Liability policy and will defend Rotarians, volunteers and those others named on the policy for their legal liability for bodily injury or property damage to a third party.
The Rotary Club and District policy is not an accident or sickness policy.


Steers Insurance
110 Roe Avenue
Gander, NL A0G 1C0
(709) 256-2249   
 Mike Harkaway – mharkaway@steersinsurance.com
 Janet Harris – jharris@steersinsurance.com
 Bev Drover – bdrover@steersinsurance.com
A description the details of the policy as outlined below, YOU MUST obtain an insurance certificate by contacting the broker for any event(s) which your Rotary club undertakes to obtain an insurance certificate. This ensures that the specific/special event is fully covered.  Events include but are not limited to:
  • Selling tickets at a public location
  • Holding a dance or other social event
  • Any event where alcohol will be served in any form
  • Skating Party
  • Santa Claus Parade
  • Auctions
  • Fundraisers of any kind
  • Pond Hockey
  • Rib Fests
  • Music Fests
  • Toll Roads

What is a Certificate of Insurance?

A Certificate of Insurance is a document that evidences for one party the insurance coverage held  by another party. It evidences the coverage in place at the time of issuance of the certificate. Certificates of insurance are crucial to the transacting of business and are used in a multitude of situations.
A certificate of insurance is a document used to provide information on specific insurance coverage. The certificate provides verification of the insurance and usually contains information on types and limits of coverage, insurance company, policy number, named insured, and the policies' effective periods.
Certificates are usually requested by opposite parties in an agreement, contract, or transaction to make certain the other party has the appropriate insurance coverage.

What Additional Insured Status Means.

One party will add the party as an "additional Insured" on their commercial liability insurance policy.  By adding them to your policy as an additional insured you are protecting them against your negligence. By having another entity add your business as an additional insured that entity is protecting you against their negligence.
Additional insured status DOES NOT mean the additional insured does not need insurance. It means the additional insured has controlled the risk of others' negligence and can rely on their own business insurance policy to protect against their negligence.

Process for Obtaining Specific Event Coverage

When contacting the Steers Insurance YOU MUST:
  • Email both Mike, Janet and Bev at the same time
  • Provide the name of your Rotary Club and District
  • Provide Date (s) of the event
  • Provide a brief description of the event.
    • Some examples of events are
      • Christmas Parade
      • Auction
      • Pond Hockey Event
      • Halifax Music Fest
      • Dragon Boat Races
      • Rib Fest
      • Skating Party
      • Wine Tasting event
      • Ticket Sales at the Mall
  • Who is asking for the Certificate
    • If no one is asking for the certificate and the intent of the certificate is to notify the broker of the event to issue a certificate to your club, no further information is required.
    • ​​If a company, mall, municipality etc. is requesting the certificate the following additional information is required:
      • Full legal name of the entity asking for the certificate
      • Their complete mailing address.
      • Also if they are requesting to be listed as an additional insured they will ask
        for this when they request a certificate from you. If they do not ask you, don't ask them.
The general policy for the District covers all Rotary Clubs (for which each club has a policy) including
  • Rotarians
  • Volunteers who are working on behalf of Rotary at a Rotary-sponsored event
  • Families of Rotarians who are working on behalf of Rotary at a Rotary-sponsored event

Summary of Coverages:

  • Commercial Property Floater
  • Office Contents Floater
  • Commercial Building Broad Form
  • Miscellaneous Articles Floater
  • Crime Insurance
    • Employee Dishonesty Bond
    • Broad Form Money & Securities – Inside Robbery
    • Broad Form Money & Securities – Outside Robbery
    • Money Order and Counterfeit Paper
  • Depositors’ Forgery
  • Directors & Officers Liability
  • Commercial General Liability
    • Bodily Injury and Property Damage Liability
    • Products Completed Operations
    • Property Damage Deductible
    • Personal Injury and Advertising Injury
    • Medical Payments – Per Accident
    • Medical Payments – Per Person
    • Tenant’s Legal Liability
    • Employers Liability
    • Employee Benefits Errors & Omissions – Claims Made Coverage
    • Non-owned Automobile Liability
    • Excluding Long Term Leased Autos
    • Legal Liability for Damage to Non-Owned Autos
    • Blanket Written Contractual Liability
    • Reduction of Coverage for Lessee or Drivers of Leased Vehicles Endorsement
    • Association Liability – Claims Made Coverage
    • Legal Expenses
  • Endorsement
    • Abuse Limitation Endorsement

Example of Club Event Insurance Certificate