Our club is thinking about leasing park or school district property to construct improvements over the course of many years. What is covered by the program?
Only general liability insurance is provided. Coverage is available when a third party is injured, arising from your club’s legal liability. There is no coverage for the property itself, and there is no coverage for Rotarians, volunteers, or contractors who are injured while doing the construction work. It is recommended that you contact an insurance agent to see whether to purchase a worker’s compensation policy. Or, have volunteers sign waivers. If using an outside contractor, have a written contract that is legally reviewed in place, along with appropriate insurance and indemnification provisions. After completing construction, if your club will not be actively maintaining the property, we recommend that your club terminate the lease so the city’s park or school district personnel are responsible for all maintenance and any associated liability.
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