COVID-19 Community Service Risk Management" Tool Kit"
 
Dear Rotarians,
 
In these uncertain times that none of us could have possibly foreseen, we, your risk management and insurance team at Wilson M Beck Insurance wanted to reach out and provide some much needed information as we as Rotarians want do what we do best….help our communities.  Therefore, this email is a risk management tool kit of sort to help you do this safely and follows suit to the email below we sent out a few days ago.
 
First, it is incredibly important that we as Rotarians are adhering to the Minister of Health's recommendations when considering Rotary based activities, whatever they may be.   The fact of the matter is that the COVID-19 situation is something that none of us have experienced before.  Even if "similar" situations have happened in the past, they happened before the society became so litigious and people wanting to sue everyone for everything.  Furthermore, because the insurance industry (and the world) hasn't seen anything quite like this before, it is currently unclear if there is any coverage for liability suits arising out of COVID-19 transmission cases. 
 
My first recommendation to all Rotarians is to keep yourself informed on the latest information available through government and disease control websites as these guidelines are forever changing.  It is imperative that we do our best to adhere to the government guidelines & recommendations when planning these activities.  Below is a list of a few of these websites:
 
Another incredibly important aspect of any activity is to have a well thought out, written health and safety checklist that every volunteer is aware of and signs off on.  Things on this list may include some or all of the following:
  • Having activities that people can do on their own or from their homes, computers or phones
  • Setting minimum distances between people (though at this time it is recommended that no groups come together)
  • Cleaning Protocols
    • Hand washing
    • Masks worn
    • Wear gloves
    • Sanitizing surfaces regularly
Our biggest and strongest recommendation is to have a look at the email below and get creative on a new way of fundraising through online fundraising, telethons, etc.  There are an incredible amount of not-for-profit organizations that are going to be in very hard times starting now, and to team up with one of them in your community would get your donors tax receipts.
 
Last, let’s all be sure to pick up the phone and call some of our fellow Rotarians that are in their golden years and are likely hunkering down more than many as a call would likely make all the difference in the world to some quiet nights. 
 
To our Rotarian clients,
 
INSURANCE – Event Cancellation Update
 
Over the past several weeks our Rotary Insurance Support Team at the WMB Insurance Group has been working diligently with multiple District boards of directors and committees in an attempt to find insurance solutions for lost revenue and unforeseen costs associated with the cancellation of events due to COVID-19.  Unfortunately, as we somewhat expected, we have determined that no insurance company is offering this type of event cancellation for events such as District Conferences, Learning Assemblies, Rib Fests and other large upcoming fundraisers.  We have even gone as far as looking into coverage for events as far out as September without luck.
 
For those of you in the process of attempting to negotiate out of contracts for cancellation of venues, please reach out to us at Rotary@wmbeck.com  as we have some literature that may be helpful in an argument for “Force Majeure” potentially reduce the amount lost.
 
FUNDRAISING – Out of Adversity Comes Opportunity
 
Our Team at WMB Insurance Group works with many not for profit organizations, and we would like to share with you a fundraising perspective that has been incredibly successful for several of them.  In today’s society it is increasingly difficult to come up with a new fundraising event that people will want to, and can make the time to attend, (even more so in the coming months).  So why not have a fundraiser that no one needs to attend.  Believe it or not, this is easier than it may sound.  The very simple key here is to ask.  Other organizations are simply asking people to give and its working! Philanthropy on any level feels good. 
 
So here are a couple very simple examples of asks:
  1. When Cancelling an event and offering a refund on the registration fee, simply ask the questions: 
    1. Unfortunately we have to cancel our event, but our community is going to need our compassion as a Rotary District/Club now more than ever, please let us know if you would like a full refund, or if you are willing and able to donate any portion of the registrations fees to our community fund.  Options can range from a $10 donation to the full amount of the registration.”
  2. Run and online Philanthropy campaign and ask for a sizeable amount $100 (then put in brackets for people to donate whatever they can afford.)
  3. Run an old fashion Telethon.  Advertise the dates and times, put together a committee to call 20 people each.  Ask people to donate what they can. 
 
Rotary International has been encouraging us to embrace the mantra of change in efforts to stay “relevant” in a changing world and I believe this is an opportunity to take this tumultuous predicament we are now in together and look at a different kind of fundraising.  I can assure you it’s working for other organizations and it can work for Rotary.
 
COVID-19 – Our Dedication to Quality Customer Service
 
As we continue to monitor Coronavirus (COVID-19) developments closely, the health and well-being of our clients, their members, employees and our staff is of utmost importance to us.   As a privileged partner to Rotary Districts, we also understand that limiting any impact this health event could have on our service to our clients is imperative.  We have a dedicated team of experts who are committed to keeping our operations running smoothly so that we can provide you with the best possible service. These measures include reduced in office presence by enabling work from home capabilities for our employees, and we therefore encourage Rotarians to use email as the preferred communication method at Rotary@wmbeck.com
 
We will continue to monitor this fluid situation and will shift workloads, as necessary, to ensure high levels of service remain. For decades, WMB has demonstrated unwavering support to our clients in past challenging situations, and in dealing with the present circumstances, we will continue to use every effort to deliver uninterrupted services to all our clients.
 
Thank you.
 
Rob Lemire, CAIB
Managing Partner
Wilson M. Beck Insurance Services (Kamloops) Inc.
#3-550 Lorne Street, Kamloops, BC V2C 1W3
Direct: 236.425.1770 | Mobile: 250.319.1089
Email: rlemire@wmbeck.com | Website: www.wmbeck.com
We Care. We Help.