what could possibly go wrong? – managing volunteers’ risks ctaa expo 2013 – “volunteer...

What could possibly go wrong? – Managing volunteers’ risks

CTAA Expo 2013 – “Volunteer Transportation and Mobility Management: A Conversation”

June 3, 2013

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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

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What we’ll learn

Accidents at intersections Accidents caused by inclement weather Diminished skills in elders Not all driver accidents happen in traffic.

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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 whenry@cimaworld.com, any time. We will email you any Preventer Papers you would like to have.

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Resource: “Preventer Papers”

Accidents at intersections Accidents caused by inclement weather Diminished skills in elders Not all driver accidents happen in traffic.

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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

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Resource: Vehicle safety and older drivers

“What could possibly go wrong?” – Identify and address risk scenarios

Volunteer selection Orientation, training and supervision Accountability

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Establishing a risk management system

Reporting responsibilities The importance of timely action

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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.

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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

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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

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Handouts for today’s presentation

William Henry, CIMA Volunteers Insurance,

800.222.8920; whenry@cimaworld.com

Jane Hardin, Community Transportation Association of America, 202.415.9643; hardin@ctaa.org

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For further information…