General Liability Insurance Tammy Hicks. Part 1: Liability Insurance Overview  What is Liability Insurance?  Who is covered under the Board’s Insurance.

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Presentation transcript:

General Liability Insurance Tammy Hicks

Part 1: Liability Insurance Overview  What is Liability Insurance?  Who is covered under the Board’s Insurance  A as a policyholder what is expected of you  3 Common Risk Management strategies  Risk Analysis  How to identify whose insurance would respond

Part 2: School Council Insurance  What does it cover?  What is not covered?  Summary of Coverage  FAQ’s

To protect a person or entity against any legal responsibility arising out of a negligent act or a failure to act as a prudent person, which causes bodily injury or property damage to another party.

Failure to take “due care”, as required by law, resulting in damage to property or injury to a person or persons – Gage Canadian Dictionary

Trustees Administrators Employees Teachers Co-op students on a work assignment Referees Volunteers

Avoid the risk  100% effective Select and Control (Manage) the risk  Remove known hazards  Safety rules to reduce risk of injury Reduce the loss (Loss Reduction)  Emergency response procedures

Assess risks versus benefits of activity What types of injuries may occur? Can the activity be made safe? Is there another way to do this that reduces the risk of injury

Who is directing the event? Who is organizing the event? Who is supervising the event? Who is controlling the event?

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