1. What could possibly go wrong? – Managing volunteers’ risks CTAA Expo 2013 – “Volunteer Transportation and Mobility Management: A Conversation” June 3, 2013 1 A CIMA Volunteers Insurance and CTAA workshop

2.  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

3.  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

4.  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.whenry@cimaworld.com 4 Resource: “Preventer Papers”

5.  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

6.  Hartford Insurance “Life Ahead” series http://hartfordauto.thehartford.com/Safe-Driving  The Beverly Foundation – www.beverlyfoundation.orgwww.beverlyfoundation.org  American Automobile Association – http://seniordriving.aaa.com http://seniordriving.aaa.com 6 Resource: Vehicle safety and older drivers

7.  “What could possibly go wrong?” – Identify and address risk scenarios  Volunteer selection  Orientation, training and supervision  Accountability 7 Establishing a risk management system

8.  Reporting responsibilities  The importance of timely action 8 When incidents happen

9. 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

10. 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

11.  “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

12.  William Henry, CIMA Volunteers Insurance, 800.222.8920; whenry@cimaworld.comwhenry@cimaworld.com  Jane Hardin, Community Transportation Association of America, 202.415.9643; hardin@ctaa.orghardin@ctaa.org 12 For further information…