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Strengthen volunteers' risk management skills in 4-H clubs. Learn to identify, evaluate, and handle risks, understand insurance, and create safe settings for members. Key strategies include assessing risk probability and seriousness, implementing chosen strategies, and monitoring results. Discover risk management strategies like risk retention, reduction, sharing, and avoidance, using permission forms, informed consent, and liability waivers. Ensure proper insurance coverage for 4-H members, including accident and special activity policies. Implement practical risk management practices for clubs, such as emergency planning, safety measures, screening volunteers, and creating behavior expectations.
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4-H Club Risk Management Creating Safe Environments while having Fun
Objectives • Strengthen 4-H volunteers abilities to • Identify, assess, and manage risks • Understand volunteer insurance coverage • Create safe environments for 4-H members
Basic Risk Management • Identify • Assess/Evaluate • Probability of occurrence • Seriousness of risk • Manage • Select appropriate strategy • Implement chosen strategy • Monitor and evaluate
Key Question • “How bad would it be if something did happen, and if it would be bad, is it worth trying to prevent?”
Risk Management Strategies • Retain the risk • Reduce the risk • Share/Transfer the risk • Avoid the risk
Sharing Risk • Permission forms • Informed Consent • Waiver of liability • Combination
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
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
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
Volunteer Insurance • Auto Liability through commercial policy • Authorized volunteers • Excess liability only (over personal auto coverage) • Does not include physical damage to vehicle
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
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
In case of Incident • Follow procedures! Execute your emergency plan! • Document everything • Represent 4-H and ISU interests • Incident Report forms • AIL claim forms
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
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
Practical Risk Management for 4-H Clubs • Make an emergency plan • Health/accident • Safety • Weather • Expect the unexpected • Adequate adult supervision
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
