4 -H Club Risk Management Creating Safe Environments while having Fun MANAGING Tough Times
Objectives • Strengthen 4 -H volunteers abilities to – Identify, assess, and manage risks – Understand volunteer insurance coverage – Create safe environments for 4 -H members MANAGING Tough Times
Basic Risk Management • Identify • Assess/Evaluate – Probability of occurrence – Seriousness of risk • Manage – Select appropriate strategy – Implement chosen strategy • Monitor and evaluate MANAGING Tough Times
Key Question • “How bad would it be if something did happen, and if it would be bad, is it worth trying to prevent? ” MANAGING Tough Times
Risk Management Strategies • • Retain the risk Reduce the risk Share/Transfer the risk Avoid the risk MANAGING Tough Times
Sharing Risk • • Permission forms Informed Consent Waiver of liability Combination MANAGING Tough Times
Insurance Coverage 4 -H Members • Basic accident coverage through AIL – $1/member/yr, required – Club members only – May include volunteers • Horse project members $2/yr • Does NOT include coverage for injuries during downhill winter sports MANAGING Tough Times
Special Activity Insurance • • • Separate policy through AIL Activity/event specific Daily rate Can include non-members, guests Includes coverage for winter sports excluded under the $1/yr policy MANAGING Tough Times
Volunteer Insurance • General Liability through State of Iowa • Personal liability protection under Iowa Code, Chapter 669 • Authorized volunteers • Acting within scope of volunteer duties and responsibilities MANAGING Tough Times
Volunteer Insurance • Auto Liability through commercial policy • Authorized volunteers • Excess liability only (over personal auto coverage) • Does not include physical damage to vehicle MANAGING Tough Times
Volunteer Insurance • Medical available through AIL – Same levels as for 4 -H members – Confirm that volunteers are included in your county or club policy • No Workers Compensation coverage MANAGING Tough Times
Certificate of Insurance • Information needed: – Name of event/activity (brief description) – Beginning and end dates of event/activity – Location of event/activity – Name and address of the outside entity requiring the proof of insurance – Distribution instructions – Date certificate is needed MANAGING Tough Times
In case of Incident • Follow procedures! Execute your emergency plan! • Document everything • Represent 4 -H and ISU interests • Incident Report forms • AIL claim forms MANAGING Tough Times
Practical Risk Management for 4 -H Clubs • • Accident/medical insurance coverage Use Informed Consent forms Consider using vendors for service Screen all volunteers – ask extension staff for help • Establish behavior expectations for participants MANAGING Tough Times
Practical Risk Management for 4 -H Clubs • Job descriptions for all volunteers • Valid license and proof of insurance for all drivers • Basic first aid kit • Access to telephone • Have emergency contact information available for participants MANAGING Tough Times
Practical Risk Management for 4 -H Clubs • Make an emergency plan – Health/accident – Safety – Weather – Expect the unexpected • Adequate adult supervision MANAGING Tough Times
Practical Risk Management for 4 -H Clubs • Follow 4 -H Club financial guidelines • Age appropriate activities • Survey location of event or activity – Remove hazards – Place locations off limits – Choose alternate location MANAGING Tough Times
MANAGING Tough Times
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