WELCOME National Tidy Towns Seminar “Protecting those who help others! 27 March 2010

Niall O’Driscoll -married with 3 teenagers -CEO of O’Driscoll O’Neil group -Sec./Coach of St. Joseph’s Boys AFC O’Driscoll O’Neil staff 30 million -Niche / Sports / communities / SMES -ISQ, Q Mark -Dedicated specialist teams for customer service

“Protecting those who help others!”  Risks and rewards  Advice, solutions and to do’s  Claims and when things go wrong  Role of Insurance  Questions and hopefully answers

Risks + Renewals Organisers/applicants Volunteers/helpers Employees/ contractors/councils Third parties/Public - duty of care - events - health, safety, instructions - accidents/injuries - duty of care - quality Vs best intentions - legal responsibilities - systems of check - injuries to them - accidents/injuries - claims mgt process - investigation/costs

Organisers/applicants Volunteers/helpers Employees/ contributors/councils Third parties/Public - structure-roles/responsibilities - event planners-document - health/safety plan for all activities - appoint a supervisor! - define roles/responsibilities - use their skills (buy in) - sub groups (build) - employment law – have job specs - check agreement on accidents - system of check on insurance - have a work checker! - have a reporting plan! - one person – not pub solicitor! Advice, solutions + to do’s

What can go wrong?  The lawnmower/strimmers/clippers  The Hanging baskets/signs/posters  The construction/build/repair/fix/painting  The disappearance of event monies  The actions of one committee member affecting others  The failure to follow statute, laws, health, safety, children etc. Murphy’s law!

Financial protection – not solution Types of cover - organisers - volunteers/helpers - public - public liability - employer liability -directors/committees/officers liabilities *Liability cover are negligence policies – not fault! (must be proven you are wrong) Role of Insurance *You have a right to protect and indeed “BE PROTECTED”

Sample costs *personal view this should be done at application stage*

SUMMARY  Risks and rewards  Advice, solutions and to do’s  Claims and when things go wrong  Role of Insurance  Questions and hopefully answers

Niall O’Driscoll O’Driscoll O’Neil Insurance Group “Protecting those who help others!” Questions & Answers tel: www.odon.ie