Who is Capri? AGRI TOURISM INSURANCE RISK MANAGEMENT. Presented by Robert Fiume Capri Insurance Services Ltd. Capri s Commitment To Agriculture

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1 AGRI TOURISM INSURANCE RISK MANAGEMENT Presented by Robert Fiume Capri Insurance Services Ltd. Capri s Commitment To Agriculture Who is Capri? As an organization Capri has a commitment to agriculture in Canada and all organizations or individuals remotely involved with agriculture. Currently we represent: British Columbia Association of Agricultural Fairs & Exhibitions BitihC British Columbia Rodeo Association Canadian Professional Rodeo Association Cattle Associations and Member s Insurance Farm-Care Horse Associations and Member s Equi-Care Horse Related Business Insurance Agri Tourism Bridging the Gap Between Traditional Agriculture and Agritourism Creating higher standards / risk management Capri / Agritourism self inspection process Operational Requirements Waivers Incident Report Forms Risk Management Is defined as reducing the chances of injury, damage or loss by taking steps to identify, measure and control risks. 1

2 Definitions in Relation to Your Legal Responsibility 1) Standard of Reasonable Care 2) Duty of Care 3) Reasonably Foreseeable 4) Hazard 5) Negligence 6) Insurance Why Should I Invest In Risk Management? I realize the measures we are proposing might seem extreme, said William Marler, managing partner of Marler Clark. We are looking at this from the standpoint of having represented dozens of children who visited petting zoos and ended up with kidney failure and life-long medical conditions. At this time, petting zoos must follow guidelines set out in the Code of Federal Regulations. But those regulations apply primarily to the humane handling and treatment of animals not to preventing transmission i of zoonotic diseases. (1) An operator shall promote public awareness of the risk of contracting a zoonotic disease at the animal exhibition and of the measures necessary to minimize the risk of contraction by posting appropriate notices at the animal exhibition. (2) An adequate hand-cleansing facility for adults and children shall be conveniently located on the animal exhibition grounds. The operator shall post appropriate notices which designate the location of the handcleansing facility... and encourage the cleansing of hands after touching animals, using the restroom, and before eating Be Prepared Risk Assessment 5 Steps of Risk Management Identify Risks Evaluate Hazards Consider the Alternatives Implement the Decision Monitor the process, Evaluate and Review Risk Management Tools Self Inspection Operational Requirements Waivers Employee or Volunteer Handout Incident Report Forms Operational Requirements 2

3 Employee or Volunteer Handout First Aid Preparedness, where is First Aid Station, only person s qualified can perform First Aid Duties. Emergencies: Have plan in place, when employee arrives train them to take the time to look at the situation, Do Not Put Themselves or Others in further Danger. Have planned evacuation routes, in buildings note where emergency exits & fire extinguishers are. Is First Aid responding and/or Do you need to call 911? If Employee Sees and Accident or Incident they need to be trained to report it to: First Aid or Management. If Employee cannot leave position then train them to Identify someone (fellow employee, other customer) ask that person s name and request they go and report incident and return to them to confirm. Incident Reporting Form. **These are suggestions only & are minimums, you need to determine if these preparations and responses are adequate for your operations. Employee or Volunteer Handout cont d Incident Reporting Form.If not available then Train employees to start writing down important information like: 4 R s Who, What, When & Where? Description of What Happened? Description of Person s involved Time & Location of incident and indicate if situation was handled and if so, who took care of it. Incident Reports Following any accident or incident you MUST fill out an Incident Report Form. Have some type of Camera available (digital, disposable) Photo s of the incident scene are indispensable!! **These are suggestions only & are minimums, you need to determine if these preparations and responses are adequate for your operations. What to do if employee or Manager is dealing with difficult or irate person? If employee is first to respond and are being or feeling threatened, they need to request help! Call manager or security. Train staff & management to remain calm, try to talk to the person and empathize with them. I understand your concern, problem I can see why you are frustrated Using empathy with an irate person - reduces the other person s anger, shows them you are trying to understand their point of view & situation, Shows you are listening, Gives you a moment to decide what to do next. Monitor your results Minimum Annual Review with Management Is your plan working? Have your operations or activities changed? Make a change to your plan if needed **These are suggestions only & are minimums, you need to determine if these preparations and responses are adequate for your operations. Transferring The Risk Capri Agritourism Insurance Program Why Might I Not Be Eligible? No one insurance program can provide the best terms for every possible activity. If the inspection of your premises reveals hazards which you choose not to remedy or if you have experienced numerous claims in the past with no effort to correct the problem, you may not qualify. 3

4 Program Highlights Who Is This Program Designed For? What coverage is available? $5,000,000. Limit of Comprehensive General Liability Personal Injury Attached Machinery Cross Liability Occurrence P.D. Contingent Employers Broad Form P.D. Non-Owned Auto Employees as Additional Medical Payments Blanket Contractual Products/Completed Operations Incidental First Aid Injury to participants is covered except for Rough Stock Rodeo Events $250,000 Tenants Legal Liability Limit up to $1,000,000 available Stablemen s Legal Liability - $5,000 any one Animal, $10,000 occ./agg. This program is for members of the AgriTourism Industry. The members own and operate agricultural a premises (such as but not limited to Farms, Orchards, Vineyards, Ranches, Dairies, etc.) but also attract the urban public with tours and other activities to enjoy the agricultural experience. How Do I Apply? Contact Robert Fiume at Capri Insurance (250) or toll free or rfiume@capri.ca 4

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9 Questions (time permitting) Contact Robert Fiume at Capri Insurance (250) or toll free or 9