* Key Clubs are service organizations for high school students sponsored by a local Kiwanis Club, Key Clubs develop initiative, leadership ability and good citizenship practices in young people.  (Please go to the About Kiwanis page on this site for officers and advisors and further information.)

The St. Joseph Kiwanis Foundation:
            The St. Joseph Kiwanis Foundation was established in 1965 to provide financial aid to local students who are, or will be, pursuing undergraduate college or university degrees.  We entertain applications from local high school seniors, as well as students currently enrolled in a college or university who graduated from a local high school.  For purposes of the St. Joseph Kiwanis Foundation eligible local High Schools include St. Joseph, Lakeshore, Lake Michigan Catholic and Michigan Lutheran.  This includes local residents who have graduated from the above schools and are attending an undergraduate college, university or community college.  

            Annually, approximately thirty scholarships are awarded.  This number includes new and renewal awards.  Scholarship amounts range from $250.00 to $1,500.00 per year, depending upon need, and are made payable to the student.  Each year we award scholarships totaling approximately $30,000., and we have provided approximately $700,000. of financial aid since 1965.

            Our scholarships are granted after careful review of completed applications and supporting material.  They are granted based upon academic achievement, citizenship, desire for higher education, attitude, and financial need.  A student's grade point average is not the most important factor in our decision.  From time to time we have provided a scholarship as that little pat on the back or positive push for a student who may not have outstanding grades or financial need.

            Applications are available from each of the above high schools each spring or can be obtained by indicating an interest on the feedback form on this+ Web-site or contacting:
Edward Meny
2975 McLin Rd.
Saint  Joseph, Michigan 49085-3536
E-mail: emeny@parrett.net
616-429-2025

Club Insurance Information:
Ordinarily our Club will not need additional liability insurance since the International policy we participate in applies to most operations and activities, with the exception of the exclusions and limitations listed below.  As members and committees plan projects and events for the Club they must keep the following in mind.  If there are any questions, concerns, doubts or issues please contact Ed Meny at 269-429-2025, 269-930-4824 (mobile) or emeny@sbcglobal.net

In the USA and Canada Kiwanis International has a program of  Comprehensive General Liability Insurance in place for Kiwanis Clubs and members of  those Clubs.  Our club pays a share of the International premium each year.

Who Is Insured?  
Kiwanis Clubs and Members when involved in a Kiwanis Activity;
Kiwanis Club Foundations;
Divisions;
Districts and District Foundations;
Subsidiaries and affiliates;
Key Clubs
Non-member volunteer workers;
Builders Clubs and their members;

Limits of Liability?
Although it isn't prudent to disclose specific limits of liability I can tell you that there is an underlying policy limit and an umbrella liability limit in place.  Call Ed Meny if you have a specific question as a member.

Coverage?
This is a legal liability policy and the following coverages are provided:
Premises, operations and activities;
Elevator Liability;
Products and Completed Operations;
Owners and Contractors Protective;
Contractual Liability;
Broad Form Property Damage;
Personal Injury Coverage;
Fire Legal Liability;
Incidental Malpractice
Hired, Rented and Non-Owned Automobile Liability
Medical Payments -3rd Parties - $5,000
Medical Payments-Members and Volunteers-$5,000

Key Exclusions and Limitations?
First of all, this Web Site narrative is in no way an insurance policy or guarantee of insurance coverage.  No insurance coverage is granted or implied by this narrative.  Consult Ed Meny or The Hylant Group for specific answers or coverage questions.  This is not a certificate of insurance.
Liability arising out of the operation, use or maintenance of automobiles (including buses and trailers) owned by the Named Insured (Our Club) is not covered.  If a Kiwanis Club owns an automobile or trailer it must be separately insured by the Club.
Liability arising out of a Kiwanis activity from the use of automobiles owned by individual Kiwanians is covered but only as excess over the owner's (member's) personal insurance. Physical Damage, such as Comprehensive and Collision, is excluded.  In other words, as a member, if you damage your car on Kiwanis business your personal insurance will have to pay for that damage.
Liability arising out of the sale of alcoholic beverages is not covered.