What could possibly go wrong? – Managing volunteers’ risks CTAA Expo 2013 – “Volunteer Transportation and Mobility Management: A Conversation” June 3, 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 – , or any time. We will you any Preventer Papers you would like to 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  The Beverly Foundation –  American Automobile Association – 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, ;  Jane Hardin, Community Transportation Association of America, ; 12 For further information…