Presentation on theme: "Risk Management for Schools Top Ten Risks and How to Manage Them Allison Courrege, COSS, CPSI Loss Control Specialist."— Presentation transcript:
1 Risk Management for Schools Top Ten Risks and How to Manage Them Allison Courrege, COSS, CPSI Loss Control Specialist
2 Points for Discussion School Risk Management Top 10 Charter School Risks- Your ExposuresTrending LossesSteps to Managing School RiskHow to Transfer your RiskBuy InsuranceAsk for Certificates of Insurance from VendorsJust say “no”
3 School Risk Management A method of managing school activities to minimize losses and liabilityReduce hazardsReduce risks in school activitiesImprove safety for students, employees, and the publicConserve the schools financial resources (Insurance – risk transfer)Protect board, staff from liability
4 Risk Management Techniques Avoid the Risk- “Just say No”.Transfer Risk: Insurance, hold harmless agreementsReduce the Risk: Accountability and Risk Assessment activities, Safety committee
6 What are a Schools Top 10 Risks? Premise Medical/General LiabilityEmployment PracticesVehicle AccidentsWorkers CompensationStolen Laptops/EquipmentDrop-off/PickupPlayground – AthleticsField trips/Foreign TravelSpecial EducationCrisis Event/Student Violence
7 Steps to Managing Risks Accountability- Ownership from Administration and StaffForm a Safety CommitteeDevelop a written Safety Program and Action PlanConduct a Risk Assessment of the School (address all risks)Implement Plans to address exposures:Identify higher risk exposures and implement controlsEmployment PracticesVehicle Safety Program- Field TripsSexual Harassment and Abuse Risk ManagementSchool Inspection ProgramEducation Board and Staff
8 Premise Medical- General Liability, Workers Compensation Be proactive about your exposuresAttention to detail and housekeepingImplement informal and formal inspection programEvaluate Risks with use of your safety committeeCreate Action Plans – short and long termUtilize outside specialists when needed:Playground, Athletic Equipment – GymChemistry labsFood Service (contracted vs. own employees)Drop-off / PickupEmployee Training for workers compensation issues
9 Employment Practices Understand the exposure Harassment, Discrimination, Wrongful TerminationMake informed decisions (No lone Rangers)Manager TrainingFollow Policies carefullyDocument……Document…..DocumentAppropriate HR/Legal Partner in-house or external
10 Vehicles - Transportation School drivers - School-owned vehiclesSchool leased or chartered buses, vehicles or vansTransportation is sole responsibility of parent/guardian or adult studentSchool employees or volunteers driving personal vehiclesStudents driving students is NEVER recommendedBus/Van drivers: need CDL’s, MVR’s, Fit Testing
11 Laptop Security Dedicated computer storage room Storage Carts Alarms Key Control & Limiting AccessNightly StoragePhysical AppearanceTracking System – check in, check out procedureLaptop ConfigurationBy the way….we are still having losses!
12 School Access and Security Visitors use designated entrance (s)Visitors sign in and out, and photo-ID is presented and copiedVisitors wear a badge/pass which is clearly visible & identifiableVisitors are met by an employee & stay with them throughout their visit“No entry” signs are posted where needed“Staff only” signs are posted where needed
13 Evaluating Special Activities What Type of Activity is This?Field TripSchool Sponsored ActivitySchool Co-Sponsored ActivityNon-School Sponsored ActivityStudent Body OrganizationsBooster Club Activities
14 Field Trips Educational Value vs. School Exposure Written Policies/Procedures/RulesField Trip ChecklistApproval process/timeline, required formsMethod of insuring parent approval includingAuthorization for Emergency Medical TreatmentLocation of forms: with the supervisorsScreening of supervisors; chaperones
15 Field Trip FormsStudent Field Trip Form - Assumption of Risk, Voluntary Activity & Hold HarmlessMedical Treatment AuthorizationAdult Student FormVolunteer FormOut of State Trip
16 Non-School Sponsored Activities Grad Nites (Nights), Week-End Camping Trips, Overseas TravelNotice to ParentsTransportation/Supervision DisclaimerParent AcknowledgementDisassociate the School: logos, equipmentProhibit use of class time
17 What is a Crisis? It’s really anything out of the ordinary! Earthquake / Storm / Police Activity / Fight at school?Students and/or parents with weapon(s)Hazardous Material leak / gas leak / explosionSchool bus accident / van accidentFood poisoning in the cafeteria / field tripLost StudentDeath of a student, staff, or faculty memberFlood / broken water mainFIRE!
18 The First 30 Minutes… Understand the circumstances – do NOT speculate! Call for help! 911 or whatever is neededAssign the appropriate person(s) to handle the situationNotify the Administrative offices (Board members also)Define the problem(s) & consider all optionsCommunicate with staff/faculty/students/parentsSecure the area/building/campusSet up a command post“Incident Command” situation
19 The next 30 minutes… REGAIN CONTROL! Document everything – assign a scribeCommunicate with the media – if necessaryUpdate the students in the classrooms – not in large settingsConsider closing the school? If so, arrange for transportation & notify the local police departmentContact “crisis counselors” and have them respond
20 The rest of the day… Document, document, document Inform parents by a letter sent homeIf a crisis team was set up – note their role and follow-upDisseminate accurate informationPost information about the incident on your webpage and your telephone “hot line”…Update frequentlyEnsure that the school board has been notifiedVisit the injured / wounded in the hospital(s)
21 Then… Take the students/staff through the crisis and debrief Offer professional counseling to everyone involved – Faculty, staff, students, aidesMake the decision when to reopen the school – make this decision as soon as possible.Hold an open house for parents and studentsDon’t forget the “incident”, but MOVE ON ALSO…
22 Crisis Management Plan Team MembersChain – of – command (in case principal is absent)Names, addresses, phone #’s, page, cell phoneNormal assignment – if a classroom teacher/name of substituteAssignment during a crisisImportant telephone numbersFire / rescuePolice, sheriffLocal hospital emergency roomNews/mediaCrisis counselors
23 Plan continued… CODE RED procedures LOCKDOWN procedures Types of Emergencies.Assaults / serious personal injuryBomb threatsChild nappingExplosion, fireWeapons, suicide, sex offensesRiot , Hostage situation, intrudersNatural disasterMedia ProceduresEvacuation PlanQuarterly Drills, floor warden, written plansAlternate site, plan for transporting studentsLocal EMS can help
24 Transfer Risk -Types of Insurance Commercial General LiabilityProperty InsuranceAutomobile LiabilityEmployment PracticesDirectors & Officers – Errors & OmissionsWorkers’ CompensationStudent Accident InsuranceJust to name a few!
25 Questions. Allison Courrege, COSS, CPSI Arthur J Questions? Allison Courrege, COSS, CPSI Arthur J. Gallagher Risk Management Services, Inc. Phone: Jill Couvillon, ARM Arthur J. Gallagher Risk Management Services, Inc. Phone:
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