1. 4-H Club Risk Management
Creating Safe Environments while having Fun

2. Objectives Strengthen 4-H volunteers abilities to
Identify, assess, and manage risks
Understand volunteer insurance coverage
Create safe environments for 4-H members

3. Basic Risk Management Identify Assess/Evaluate
Probability of occurrence
Seriousness of risk
Manage
Select appropriate strategy
Implement chosen strategy
Monitor and evaluate

4. Key Question
“How bad would it be if something did happen, and if it would be bad, is it worth trying to prevent?”

5. Risk Management Strategies
Retain the risk
Reduce the risk
Share/Transfer the risk
Avoid the risk

6. Sharing Risk Permission forms Informed Consent Waiver of liability
Combination

7. 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

8. 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

9. 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

10. Volunteer Insurance Auto Liability through commercial policy
Authorized volunteers
Excess liability only (over personal auto coverage)
Does not include physical damage to vehicle

11. 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

12. 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

13. In case of Incident Follow procedures! Execute your emergency plan!
Document everything
Represent 4-H and ISU interests
Incident Report forms
AIL claim forms

14. 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

15. 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

16. Practical Risk Management for 4-H Clubs
Make an emergency plan
Health/accident
Safety
Weather
Expect the unexpected
Adequate adult supervision

17. 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