Managing Risks in Volunteer Driver Programs: A Comprehensive Workshop

1. A CIMA Volunteers Insurance and CTAA workshop What could possibly go wrong? – Managing volunteers’ risks CTAA Expo 2013 – “Volunteer Transportation and Mobility Management: A Conversation” June 3, 2013

2. What we’ll learn • 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

3. Common risks in volunteer driver programs • Accidents at intersections • Accidents caused by inclement weather • Diminished skills in elders • Not all driver accidents happen in traffic.

4. Resource: “Preventer Papers” • 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 whenry@cimaworld.com, any time. We will email you any Preventer Papers you would like to have.

5. Common risks in volunteer driver programs • Accidents at intersections • Accidents caused by inclement weather • Diminished skills in elders • Not all driver accidents happen in traffic.

6. Resource: Vehicle safety and older drivers • Hartford Insurance “Life Ahead” series http://hartfordauto.thehartford.com/Safe-Driving • The Beverly Foundation – www.beverlyfoundation.org • American Automobile Association – http://seniordriving.aaa.com

7. Establishing a risk management system • “What could possibly go wrong?” – Identify and address risk scenarios • Volunteer selection • Orientation, training and supervision • Accountability

8. When incidents happen • Reporting responsibilities • The importance of timely action

9. Structuring your insurance program 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.

10. 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

11. Handouts for today’s presentation • “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

12. For further information… • William Henry, CIMA Volunteers Insurance, 800.222.8920; whenry@cimaworld.com • Jane Hardin, Community Transportation Association of America, 202.415.9643; hardin@ctaa.org