what could possibly go wrong? – managing volunteers’ risks ctaa expo 2013 – “volunteer...
TRANSCRIPT
What could possibly go wrong? – Managing volunteers’ risks
CTAA Expo 2013 – “Volunteer Transportation and Mobility Management: A Conversation”
June 3, 2013
1
A CIMA Volunteers Insurance and CTAA workshop
Common risks arising out of volunteer driver programs How to address those risks through risk identification,
volunteer selection, training, supervision and accountability
How to respond when incidents occur Structuring your insurance program to protect your
organization and your volunteers
2
What we’ll learn
Accidents at intersections Accidents caused by inclement weather Diminished skills in elders Not all driver accidents happen in traffic.
3
Common risks in volunteer driver programs
One-page and two-page documents on how to prevent common accidents
Topics include both vehicle safety and injury prevention.
Contact William Henry at CIMA Volunteers Insurance – 800.222.8920, or [email protected], any time. We will email you any Preventer Papers you would like to have.
4
Resource: “Preventer Papers”
Accidents at intersections Accidents caused by inclement weather Diminished skills in elders Not all driver accidents happen in traffic.
5
Common risks in volunteer driver programs
Hartford Insurance “Life Ahead” series
http://hartfordauto.thehartford.com/Safe-Driving The Beverly Foundation – www.beverlyfoundation.org American Automobile Association –
http://seniordriving.aaa.com
6
Resource: Vehicle safety and older drivers
“What could possibly go wrong?” – Identify and address risk scenarios
Volunteer selection Orientation, training and supervision Accountability
7
Establishing a risk management system
Reporting responsibilities The importance of timely action
8
When incidents happen
Insurance to protect your organization General liability Commercial automobile liability, if the organization
owns or leases vehicles “Nonowned and hired” automobile liability, if volunteers
and employees drive their own vehicles Directors and officers liability, including employment
practices Other coverages – Workers’ compensation, property,
professional liability (errors and omissions), umbrella, dishonesty, business interruption, cybercrime, fiduciary liability, special events…to name a few.
9
Structuring your insurance program
Insurance to protect your volunteers
Excess automobile liability – If the volunteer is at fault in an accident
Volunteer liability – If the volunteer is held liable for bodily injury, personal injury or property damage
Accident medical reimbursement – If the volunteer is injured
10
Structuring your insurance program
“Preventer Papers” on vehicle safety and injury prevention
Automobile liability insurance for volunteer-based transportation programs
Insurance basics for nonprofit organizations Motor Vehicle Record acceptability checklist Sample policy for use of personal vehicle “Managing volunteer risks --Where are you now?” –
Questionnaire Sample risk management policy
11
Handouts for today’s presentation
William Henry, CIMA Volunteers Insurance,
800.222.8920; [email protected]
Jane Hardin, Community Transportation Association of America, 202.415.9643; [email protected]
12
For further information…