Lisa Zimmaro AVP of Risk Management & Treasury Temple University Developing Your International Risk Management Action Plan Risk Landscape

Overview Trends & Challenges Programmatic Issues Health & Safety Issues Business Concerns Financial Concerns from a Risk Perspective Risk Mitigation Well Qualified Leaders General Partners Abroad Parent Involvement Forms

Trends and Challenges Short Term (< 8 weeks) Travel is very popular Travelers want to go to “risky places” Sponsored Travel vs. Independent Travel Travelers distracted by devices are unaware/oblivious of surroundings

Challenges (continued) What is the University’s position on extracurricular activities? Has a position been taken? How will you respond if a student/faculty member is injured while participating in an extracurricular activity? Affiliated universities provide housing for US students The University fire & life safety standards maintained in the US are a challenge to impose on owned/leased housing maintained abroad

Programmatic Issues Program Should Address Health & Safety Issues Business Aspects Disaster Preparedness

Health and Safety Issues Program Should Include Required Traveler Orientation Required Waivers & Releases Assumption of Risk and Release Medical Forms Who holds them? Privacy Issues Does an internal staff member prescreen and clear traveler? Is this person a trained medical provider? Get MD Clearance

Health and Safety Issues (cont.) Immunizations Insurance Does the University pay for its travelers? Staff & Faculty only if traveling on University Business? Sufficient planning in order for vaccines to take effect Evacuation Repatriation Personal Health Business Travel Accident Personal Property Exclusions Watch overlap by Providers

Business Concerns: General Contracts Verification that Counsel’s Office Reviews Contracts Due Diligence Third party provider is legitimate and a good business partner

Business Concerns: Insurance Insurance- Domestic/Foreign WC, Auto, Property, 3 rd Party Bodily Injury and Property Damage (GL) Depending on the country you may need a local policy Confirm your domestic policy covers international losses if this policy is being considered as an excess policy Property Owned/leased space Business interruption

Business Concerns: Auto Insurance Undergraduate students are prohibited from driving internationally in conjunction with the formal university program, but for an emergency On our campus faculty and staff are prohibited from transporting in students in 15 passenger vans. International auto insurance is required Traveler should be aware of foreign laws and regulations Road crashes are the leading cause of death and injury for healthy Americans traveling abroad

Financial Concerns from a Risk Perspective Our obligation is to protect the university’s assets. By extension that means protecting our travelers because they are the university’s human assets. The study abroad folks make this more “touchy feely” than that, but the Risk Management bottom line is we protect travelers so: They do not become injured and sue us Our reputation is not damaged The university’s assets are protected

Financial Concerns from a Risk Perspective (Continued) Foreign Bank Accounts Who has access? Foreign Currency Paying foreign staff in local currency vs. USD direct deposit Are travelers taking cash with them or getting it there from an ATM? Arrangements for Carrying Large Sums Not all countries accept credit cards Accounting for Expenses upon Return “Tip vs. Bribe” Smith & Wesson Corporation

Risk Mitigation: Well Qualified Leaders More than one leader should travel with group Leader qualification should be in trip proposal Identify student/staff ratios Ideally mandate leader training; how to enforce? Must be well versed in university policies Know how to respond to common issues Mental health/alcohol

Risk Mitigation: General Get travelers to follow the rules by tying funding/reimbursement to policy compliance Initial program approval contingent upon itinerary review by: Study Abroad, Provost, Counsel’s Office? All travel plans must include crisis/disaster/emergency response

Risk Mitigation: General US state department warning list What is your university’s planned response “script” for travelers who wish to go to forbidden countries. Need a planned response in advance Distinguish permission between faculty, staff and students Have a plan in place when to cancel, postpone or make travelers return What’s your response when a traveler says “No, I won’t come home.”?

Risk Mitigation: Partners Abroad Cannot do Background Checks References Take Advantage of Relationships Beware of new substitute contacts in danger zones or unfamiliar places

Parent Involvement Encourage parents to be informed and to be involved in the decision of a participant to travel abroad. Obtain and review program materials Make sure students and parents know what the “deal breakers” are that will have students expelled from the program and sent home. If possible, get parents to participate in pre-departure orientation. Discuss safety, behavior, insurance, and emergency procedures with the participants to make sure everyone understands.

Forms The student and parent or guardian (if the student is under 18) are required to sign an Informed Consent document and Assumption of Risk and Release Waiver when traveling overseas on university sponsored programs. This includes permission to act on behalf of the student in the event of a medical emergency. Consider having students re-sign the student code of conduct when they arrive at the destination

Forms (continued) Informed consent form should contain statements regarding: School cannot guarantee the safety and welfare of the participants or eliminate all risks; Cannot monitor or control all of the daily personal decisions, choices and activities of the individual participants; Cannot prevent participants from engaging in illegal, dangerous, or unwise activities

Forms (continued) Cannot guarantee the U.S. standards of due process in legal matters. Will not provide or pay for legal representation on behalf of the participant; Cannot assume responsibility for the actions of non- employed agents of the program, or those who are beyond the control of the program sponsor and any subcontractors; and The university is not responsible for situations that may arise because the participant failed to disclose pertinent information.

Questions