4-H Club Risk Management

1. 4-H Club Risk Management Creating Safe Environments while having Fun

2. Objectives • Strengthen 4-H volunteers abilities to • Identify, assess, and manage risks • Understand volunteer insurance coverage • Create safe environments for 4-H members

3. Basic Risk Management • Identify • Assess/Evaluate • Probability of occurrence • Seriousness of risk • Manage • Select appropriate strategy • Implement chosen strategy • Monitor and evaluate

4. Key Question • “How bad would it be if something did happen, and if it would be bad, is it worth trying to prevent?”

5. Risk Management Strategies • Retain the risk • Reduce the risk • Share/Transfer the risk • Avoid the risk

6. Sharing Risk • Permission forms • Informed Consent • Waiver of liability • Combination

7. 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

8. 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

9. 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

10. Volunteer Insurance • Auto Liability through commercial policy • Authorized volunteers • Excess liability only (over personal auto coverage) • Does not include physical damage to vehicle

11. 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

12. 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

13. In case of Incident • Follow procedures! Execute your emergency plan! • Document everything • Represent 4-H and ISU interests • Incident Report forms • AIL claim forms

14. 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

15. 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

16. Practical Risk Management for 4-H Clubs • Make an emergency plan • Health/accident • Safety • Weather • Expect the unexpected • Adequate adult supervision

17. 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