Risk Management and Insurance

Log In In this section of the 4-H Youth Development web site, you will find some educator resources that are only available for UW Extension staff with a NetID and password. Please use your NetID and password to log in. Netid: Password: More information about your NetID Understanding Your County Insurance Situation (1 page, 79 KB) - Key questions to help you understand your county insurance situation as it relates to volunteer liability coverage. County Liability Insurance Providers - The majority of Wisconsin counties are covered by these two mutual insurance corporations. Both companies provide volunteer liability coverage at no additional cost provided locally established procedures are followed. Member counties are identified on the company web sites. Wisconsin County Mutual Insurance Corporation Wisconsin County Mutual Insurance Corporation Volunteer Endorsement Process (5 pages, 46 KB) - Paper describes the annual process required to establish the special endorsement in order to extend secondary volunteer liability coverage to 4-H volunteers. Wisconsin Municipal Mutual Insurance Company

Risk Management

• Streaming Audio Presentations
• Educational Resources
• Training Tools
• Additional Resources

Insurance

• Streaming Audio Presentations
• Educational Resources
• Additional Resources

Risk Management

Streaming Audio Presentations

• Risk Management "101" - Streaming Audio from April 7, 2005 Youth Emphasis Wisline - Presenters: Dave Pulda, Risk Manager, UW System Office of Safety and Loss Prevention, and Sue Pleskac, 4-H Volunteer Leadership Specialist.
• Risk Management/Insurance Frequently Asked Questions - Streaming Audio from May 5, 2005 Youth Emphasis Wisline - Presenters: Dave Pulda, Risk Manager, UW System Office of Safety and Loss Prevention, Donna Menart, 4-H Youth Development Associate State Program Leader, and Karen Flynn, Vice President Administration/Underwriting, Aegis Corporation.

Educational Resources

• Risk Management "101" Terminology (8 slides, 65 KB) - Powerpoint presentation covering basic risk management terminology, prepared by Dave Pulda, Risk Manager, UW System Office of Safety and Loss Prevention, and Debbie Beich, Risk Management Specialist, UW System Office of Safety and Loss Prevention.
• Risk Management: It's Our Business (22 slides, 224 KB) - Powerpoint presentation covering risk management terminology, strategies and roles for staff.
• Risk Management for 4-H Youth Development Work (8 pages, 82 KB) - Guidelines are outlined for all 4-H Youth Development professionals and volunteers in management roles. Issues include insurance for volunteers, chaperons, using vehicles for transporting youth, considerations for overnight programs, handling emergency situations, finances, and records retention.
• Risk Management Challenge ( 52 slides, 276 KB) - This quiz board can be used as a tool to test your knowledge of basic risk management and insurance information following review of the information on this webpage. Categories include Insurance Terms, Types of Insurance, Risk Management Terms, Risk Management Strategies, and Potpourri.
• Risk Management Frequently Asked Questions (9 pages, 65KB) - Risk Management questions and answers related to 4-H Youth Development programs.
• Federal Volunteer Protection Act of 1997 (1 page, 38 KB) - Provides immunity for volunteers serving nonprofit organizations or government entity if conditions are satisfied.
• Wisconsin State Statutes Limiting Liability for Volunteers
  • Volunteers, State Statute 181.0670 (2 pages, 33 KB) - Limited liability for volunteers of a non-stock corporation.
  • Directors and Officers, State Statute 181.0855 (1 page, 27 KB) - Limited liability of directors and officers.
  • Equine Activities, State Statute 895.481 (2 pages, 32 KB) - Civil liability exemption for equine activities.

Training Tools

Risk Management Overview (30 slides, 1.7 MB) - PowerPoint presentation providing an overview of risk management terms, strategies, liability protection, areas for special consideration, financial management and resources. The PowerPoint is appropriate for use with volunteers.

Risk Management Process (1 page, 38 KB) - Risk analysis, risk response and risk review are important steps in planning and conducting programs.

Risk Management Checklist (1 page, 37 KB) - 4-H Youth Development programs require special considerations in planning to make sure safety is first. The checklist serves as guide for decision making for program planners.

Risk Management for 4-H Youth Development Volunteers (4 pages, 90 KB) - Handout for 4-H Youth Development volunteers covering basic risk management guidelines and procedures. The handout is adapted from the Risk Management for 4-H Youth Development Work document posted in the Educational Resources section of this web page.

Risk Management "Band-Aid" Handout - Front and back of a handout featuring ten risk management tips and a link to the 4-H Youth Development risk management information. The handout is prepared in a two per page format. Consider laminating the handout to encourage volunteers to keep it as a reference piece.

• Risk Management "Band-Aid" Front (1page, 31 KB) - Band-Aid graphic, 2 per page for front of handout.
• Risk Management "Band-Aid" Back (1 page, 130 KB) - Risk Management tips, 2 per page for back of handout.

• Risk Management Challenge (52 slides, 277 KB) - Quiz board highlighting key risk management information. This learning activity is most appropriate as a follow-up to a beginning risk management presentation, such as the Risk Management Overview PowerPoint posted above. Intended for volunteer audiences. Categories include Insurance, Finances, Risk Management Terms, Risk Management Strategies, and Potpourri.
• Risk Management Simulation Game (7 pages, 66 KB) - The purpose of this game is to increase and to apply knowledge of the process for analyzing, planning and implementing risk management strategies in 4-H youth development programs, activities and events.  It is expected that participants have received basic risk management information on which this experience will build. Preparation work is needed.
• A series of 4 lesson plans have been developed to be used in local workshops.
  • Risky Business 4-H Club Lesson Plans - 2 lessons plans to use with 4-H clubs focusing on Cloverbuds and younger members and youth participation in activities and events.
  • Risky Business Volunteer Leader Lesson Plan - 1 lesson plan focusing on assisting youth and adult leaders planning events.
  • Risky Business Project Leader Lesson Plan - 1 lesson plan focusing on assisting youth and adult project leaders.

Additional Resources

• UW System Risk Management Forms - 4-H Youth Development staff members are encouraged to use the UW System Consent for Medical Administration and Medical Treatment/Health History Questionnaire for all overnight programs: Consent for Medication Administration and Medical Treatment/Health History Questionnaire; a sample Field Trip Waiver (word document) is also located on the UW System Office of Safety and Loss Prevention Forms web page.
• The Nonprofit Risk Management Center website includes helpful tutorials on basic risk management and volunteer risk management.
• Wisconsin Department of Financial Institutions Corporate Registration Information System - On-line system for checking non-stock corporation list.

Insurance

Streaming Audio Presentations

• Insurance "101" - Streaming Audio from March 4, 2005 Youth Emphasis Wisline - Presenters: Dave Pulda, Risk Manager, UW System Office of Safety and Loss Prevention, and Donna Menart, 4-H Youth Development Associate State Program Leader.
• Risk Management/Insurance Frequently Asked Questions - Streaming Audio from May 5, 2005 Youth Emphasis Wisline - Presenters: Dave Pulda, Risk Manager, UW System Office of Safety and Loss Prevention, Donna Menart, 4-H Youth Development Associate State Program Leader, and Karen Flynn, Vice President Administration/Underwriting, Aegis Corporation.

Educational Resources

• Insurance "101" Terminology (31 slides, 203 KB) - Powerpoint presentation covering basic insurance terminology, prepared by Dave Pulda, Risk Manager, UW System Office of Safety and Loss Prevention, and Debbie Beich, Risk Management Specialist, UW System Office of Safety and Loss Prevention.
• Insurance Frequently Asked Questions (8 pages, 58 KB) - Insurance questions and answers related to 4-H Youth Development programs.
• County Liability Insurance - The majority of Wisconsin counties are covered by one of two mutual insurance corporations. Both companies provide volunteer liability coverage at no additional cost provided locally established procedures are followed. Coverage is secondary liability coverage and only applies to individuals completing the Youth Protection process and currently in good standing as a volunteer. 4-H Youth Development staff should discuss the county insurance situation with the county UW-Extension department head.
• Private Liability Insurance - For counties not covered under a mutual insurance plan, secondary volunteer liability coverage is available through a number of private companies. CIMA is an example. UW-Extension does not endorse any particular company.
• Personal Insurance Recommendations for 4-H Volunteers (1 page, 30 KB) - 4-H volunteers should be encouraged to carry adequate homeowner's and automobile insurance since their coverage will be primary when conducting an activity in their home or driving their personal vehicle while volunteering.

Additional Resources

• Accident Insurance for Leaders and Members - County 4-H organizations should purchase accident insurance for volunteer leaders and members.  Purchasing the $1.00 a year plan from American Income Life is recommended.  Those participating in high risk activities including horse project, athletic league sports, ATV, and motorcycle participants have a $2.00 annual fee.

Note: 4-H Leader Associations owning property or equipment are encouraged to secure property insurance through a local insurance agent or as a rider on an existing policy if possible.