General Liability Insurance Tammy Hicks Agenda Part 1
General Liability Insurance Tammy Hicks
Agenda: 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
Agenda: Part 2: School Council Insurance What does it cover? What is not covered? Summary of Coverage FAQ’s
Liability Insurance Overview
The purpose of Liability insurance…. 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.
Negligence defined…. Failure to take “due care”, as required by law, resulting in damage to property or injury to a person or persons – Gage Canadian Dictionary
Who is covered Under the Board’s Liability Policy? Trustees Administrators Employees Teachers Co-op students on a work assignment Referees Volunteers
…while acting within the scope of their duties….
Three Common Risk Management Strategies… 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
Risk analysis…. 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
Whose Insurance should Respond… Who is directing the event? Who is organizing the event? Who is supervising the event? Who is controlling the event?
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