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What could possibly go wrong?Managing volunteers accident and
liability risks
Catholic Charities USAFebruary 22, 2013
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How to recognize common risks arising out ofvolunteer
involvement
How to identify risks specific to the organization
How to develop practical ways to minimize risk, andrespond when
incidents occur
How to implement a risk management system thatallows everyone in
the organization to know what todo, and not have to improvise
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What well learn
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Protects the organizations own insurance limits,
claims experience, client relations, staff and
volunteerrelations, and public reputation. Safe operationsupports
the mission.
Helps attract and retain the best volunteers bydemonstrating
commitment to safe operation.Volunteers know they have risks.
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A risk management system
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1997 federal law does not protect volunteers againstcharges of
gross negligence or civil rights violations,
or for vehicle-related liability.
State laws have similar limitations.
Even when lawsuits are frivolous, volunteers must payfor legal
defense, which can be very expensive.
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Immunity laws protection is limited
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Injuries to the volunteer
Liability (injuring someone or damaging their property)
Automobile liability
Dishonesty
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Most common risks
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Tripped over clients oxygen-supply cord fractured wrist,
eyedamage, head injury -- $18,659
Retrieving boxes from shelf knee ligament and tendon damage--
$19,316
Fall on steps Broken hip -- $21,087
Laceration of the leg, using power saw -- $19,042
Moving trash torn bicep -- $25,000
Helping erect light pole crushed hand -- $19,222
Standing too close to heater clothes caught fire, third
degree
burns suffered -- $50,000 Tripped and fell in classroom broken
hip -- $23,222
Fell from truck while moving furniture injuries to back, arm
andhand -- $16,080
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Common accidents can be expensive
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MetLife Mature Market Institute
www.metlife.com/mmi
The Essentials: Falls and Fall Prevention
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Resource: Fall prevention
http://www.metlife.com/mmihttp://www.metlife.com/mmi
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Injuries to the volunteer
Liability (injuring someone or damaging their property)
Automobile liability
Dishonesty
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Most common risks
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One-page and two-page documents on how to preventcommon
accidents
Included in handouts for this Webinar
Contact William Henry at CIMA Volunteers Insurance800.222.8920,
[email protected], any time.We will email you any Preventer
Papers you select.
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Resource: Preventer Papers
mailto:[email protected]:[email protected]
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Injuries to the volunteer
Liability (injuring someone or damaging their property)
Automobile liability
Dishonesty
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Most common risks
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Hartford Insurance Life Ahead series
http://hartfordauto.thehartford.com/Safe-Driving
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Resource: Vehicle safety and older drivers
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Identify risks
Evaluate in terms of frequency and severity
Reduce or eliminate the most serious risks
Transfer the remainder to insurance companies Maintain a culture
of risk awareness
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The risk management process
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What are we asking volunteers to do?
Analyze tasks, and work environment, for riskscenarios
What can we do to eliminate or reduce hazards?
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Risk management of the position
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What could possibly go wrong? Dig deep, for answers.
Deeper!
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Start with this question
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What are we asking volunteers to do?
Analyze tasks, and work environment, for riskscenariosGrade A,
B, C or D for severity and
frequency.
What can we do to eliminate or reduce hazards?
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Risk management of the position
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Selection
Orientation
Training
Volunteer and supervisor responsibilities
Accountability
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Risk management of the volunteer
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Reporting responsibilities
The importance of timely action
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When incidents happen
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Insurance protecting the organization
Insurance protecting volunteers
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The insurance piece
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Questions to help you determine where you are now,in managing
volunteer risks
Guidance on selection, orientation, training andaccountability
of volunteers
Sample risk management policy
Sample agreement for volunteers driving theirpersonal
vehicles
Safeguards to prevent dishonest acts
Preventer Papers on injury prevention and auto
safety (Tables of contentscall or email for any
individual papers shown that you wish to have)
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More resources: Handouts for todays presentation
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William Henry
[email protected]
www.cimaworld.com
mailto:[email protected]:[email protected]
