1. Risk Landscape Lisa Zimmaro, Assistant Vice President Risk Management and Treasury, Temple University

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3. Trends and Challenges  Short term international travel < 8 weeks very popular  Travelers want to go to “risky places”  Sponsored travel vs. Independent Travel  What is your university’s position on extracurricular activities?  Do you want to know?  How will you respond if a student or faculty member is injured while participating in an extracurricular activity?  Affiliated universities provide housing for U.S. students  The university fire safety and life safety standards maintained in the U.S. are a challenge to impose on owned or leased housing maintained abroad  Travelers are unaware/oblivious of their surroundings because they are paying attention to their electronic devices. 2

4.  Program should address:  Health & safety issues  Business aspects  Disaster Preparedness Programmatic Issues 3

5.  Program should include:  Require traveler orientation  Require waivers and releases  Assumption of Risk and Release  Medical forms  Who holds them?  Privacy issues  Does an internal staff member prescreen and clear traveler  Is this person a trained medical provider  Get MD clearance Health & Safety Issues 4

6.  Immunizations  Does the university pay for its travelers?  Staff and faculty only if traveling on university business?  Sufficient planning in order for vaccines to take effect  Insurance  Evacuation  Repatriation  Personal Health  Business travel accident  Personal Property  Exclusions  Watch overlap by providers Health & Safety Issues 5

7.  Contracts  Make sure counsel’s office reviews contracts  Due Diligence- that the third party provider is legitimate and a good business partner Business Concerns 6

8.  Insurance- Domestic/Foreign WC, Auto, Property, Third party bodily injury and property damage (GL)  Depending on the country you may need a local policy  Confirm your domestic policy covers international losses if this policy is being considered as an excess policy  Property  Owned/leased space  Business interruption Business Concerns: Insurance 7

9.  Auto  Undergraduate students are prohibited from driving internationally in conjunction with the formal university program, but for an emergency  On our campus faculty and staff are prohibited from transporting in students in 15 passenger vans.  International auto insurance is required  Traveler should be aware of foreign laws and regulations  Road crashes are the leading cause of death and injury for healthy Americans traveling abroad Business Concerns: Auto Insurance 8

10.  Our obligation is to protect the university’s assets. By extension that means protecting our travelers because they are the university’s human assets.  The study abroad folks make this more “touchy feely” than that, but the Risk Management bottom line is we protect travelers so:  They do not become injured and sue us  Our reputation is not damaged  The university’s assets are protected Financial Concerns From a Risk Perspective 9

11.  Foreign bank accounts  Who has access  Foreign currency- paying foreign staff in local currency vs. USD direct deposit  Are travelers taking cash with them or getting it there from an ATM  Arrangements for carrying large sums  Not all countries accept credit cards  Accounting for expenses upon return  “Tip vs. Bribe” Financial Concerns (Continued) 10

12.  Cannot do background checks  Get References  Take advantage of relationships  Beware of new substitute contacts in danger zones or unfamiliar places Contacts- Partners Abroad 11

13.  Get travelers to follow the rules by tying funding/reimbursement to policy compliance  Initial program approval contingent upon itinerary review by:  Study abroad, Provost, Counsels office?  All travel plans must include crisis/disaster/emergency response Risk Mitigation 12

14.  More than one leader should travel with group  Leader qualification should be in trip proposal  Identify student/staff ratios  Ideally mandate leader training; how to enforce?  Must be well versed in university policies  Know how to respond to common issues  Mental health/alcohol Risk Mitigation: Well Qualified Leaders 13

15.  Government Resources  U.S. Department of State  Transportation Security Administration  Overseas Security Advisory Council (OSAC)  Centers for Disease Control and Prevention (CDC)  World Health Organization (WHO)  Higher Education Center for Alcohol, Drug Abuse, and Violence Prevention  ASIRT Risk Mitigation 14

16.  Security Information Services:  Stratford  Control Risks  I-Jet  Eurasia Group  Kroll & Associates  DRUM  Ackerman Group  International SOS Risk Mitigation  Travel Assistance and Tracking:  Terra Dotta  International SOS  Fron+ierMEDEX  HTH Worldwide  AIG Travel Guard  Global Rescue  CISI  Others 15

17.  US state department warning list  What is your university’s planned response “script” for travelers who wish to go to forbidden countries.  Need a planned response in advance  Distinguish permission between faculty, staff, and students  Have a plan in place when to cancel, postpone, or make travelers return  What’s your response when a traveler says “No, I won’t come home”? Risk Mitigation 16

18.  Encourage parents to be informed and to be involved in the decision of a participant to travel abroad.  Obtain and review program materials  Make sure students and parents know what the “deal breakers” are that will have students expelled from the program and sent home.  If possible get parents to participate in pre-departure orientation.  Discuss safety, behavior, insurance, and emergency procedures with the participants to make sure everyone understands. Get Parents Involved 17

19.  The student and parent or guardian (if the student is under 18) are required to sign an Informed Consent document and Assumption of Risk and Release Waiver when traveling overseas on university sponsored programs.  This includes permission to act on behalf of the student in the event of a medical emergency.  Consider having students re-sign the student code of conduct when they arrive at the destination Forms 18

20.  Informed consent form should contain statements regarding:  School cannot guarantee the safety and welfare of the participants or eliminate all risks;  Cannot monitor or control all of the daily personal decisions, choices and activities of the individual participants;  Cannot prevent participants from engaging in illegal, dangerous, or unwise activities; Forms (Continued) 19

21.  Cannot guarantee the U.S. standards of due process in legal matters.  Will not provide or pay for legal representation on behalf of the participant;  Cannot assume responsibility for the actions of non-employed agents of the program, or those who are beyond the control of the program sponsor and any subcontractors; and  The university is not responsible for situations that may arise because the participant failed to disclose pertinent information. Forms (Continued) 20

22. Questions 22