RISK MANAGEMENT MANUAL

Transcription

1 SECTION 1 RISK MANAGEMENT RISK MANAGEMENT MANUAL 1.01 INTRODUCTION TO RISK MANAGEMENT.PAGE 2 SECTION 2 INSURANCE 2.01 MEMBERSHIP BENEFITS..PAGE INSURANCE OVERVIEW... PAGE ACCIDENT COVERAGE PAGE ATHLETIC ACCIDENT CLAIM FORM PAGE 4 SECTION 3 INCIDENT AND ACCIDENT REPORTING 3.01 OBA INCIDENT REPORT...PAGE 6 SECTION 4 CODE OF CONDUCT SECTION OUTLINE PAGE GENERAL CODE OF CONDUCT...PAGE COACHES CODE OF CONDUCT...PAGE PLAYER CODE OF CONDUCT...PAGE PARENT CODE OF CONDUCT...PAGE 12 1

2 INTRODUCTION SECTION 1 The purpose of these risk management guidelines is to provide all Local Associations (Locals) with an understanding and awareness of fundamental risk management principles and how they apply to the operation of sanctioned baseball events. The goal is for all Locals to implement effective risk management program s, exercising a proactive teamwork oriented approach to safety; where safety is the first priority at all times, on and off the ball diamond. The scope is broad and this guide is intended to touch on all elements of what is seen as the entire field of Safety and Risk Management within the Inter County Baseball Association. DEFINITION: Risk management is the process by which a Team or Local reviews its activities, programs and operating procedures to identify, understand and insure against the everyday risks confronted in operating an organized baseball program. Risk management consists of four (4) basic steps, performed in a logical sequence: Step 1. Identify the risks connected with an activity (e.g. game, park, parking lot, travel). Step 2. Assess the relative significance of all on-field and off-field risks. Step 3. Eliminate or minimize the identified risks. Step 4. Provide protection against unavoidable risks. This can include insurance coverage. Risk management is an ongoing process, not a one-time activity. It is not an isolated function or a committee task. Each Local must ensure that the overall operations and planning process of the organization includes an active risk management and safety program. Every member of the organization must be aware of his or her role and responsibility within that risk management structure. Remember that risk management is any organization s best defense against accidents and injuries. Be aware of all the risks involved in all baseball related activities and always err on the side of caution. 2

3 SECTION 2 INSURANCE INFORMATION The insurance that ICBA recommends to their locals is the insurance provided through the Ontario Baseball Association (OBA). It is an insurance Policy from the Pearson Dunn Insurance company. The following is an outline of the coverage that will be provided. As a member you will receive this coverage. MEMBERSHIP BENEFITS Why Liability Insurance? Because no matter how careful you are, accidents happen. And, you can be sued by anyone who claims injury or damages resulting from your operations and activities. Even if you are eventually found to be blameless, litigation expenses could severely strain your resources. But liability insurance will defend you and pay for damages that may be awarded against you. In short, liability insurance gives you peace of mind. In addition, since it protects all members of the association, volunteers who are concerned about their individual liability are more likely to offer their services. SPORTS LIABILITY INSURANCE LIMIT: $5,000,000 per occurrence DEDUCTIBLE: $ 500 per occurrence POLICY : #AS1555 This is a broad policy competitively priced, designed especially for members of THE ASSOCIATION. It covers all members, including directors, officers, executives, instructors, coaches, umpires, employees and volunteers while acting on behalf of the association. Participants are also covered while engaged in sanctioned or authorized activities. Valuable extensions: Participant Liability - In many standard liability insurance policies participants are excluded, but in the broad form coverage with ALL SPORT, this coverage is included. Voluntary Medical Payments - Reimburses others (third party) for their medical expenses if they are injured as a result of your activities up to $1,000 Blanket Tenants Legal Liability - Provides coverage for your legal responsibility for damage to premises that you rent in the course of your activities up to $250,000 Non-Owned Automobile Coverage - Protection against legal liability arising from an auto accident when someone is driving their own vehicle on the association s behalf Personal Injury - Coverage against Libel, Slander Advertisers Liability - Will protect an advertiser if they are sponsoring an event which runs under your operations. Incidental Medical Malpractice - Protection for rendering first aid to an injured person by a non-medical professional in the course of your activities. Cross Liability Clause - This clause allows for additional insureds to sue, if necessary within the policy. Employers Liability - To protect the insured against the possibility of an employee suing for injury suffered in the course of their employment. Premises, Property and Operations - This provides coverage for the insured who is responsible in the scope of their operations for premises and property to which they have control over. It also includes coverage for their own operations (activities). Products and Completed Operations - This is simply a broader form of liability coverage normally associated with manufacturers and business. Blanket Contractual - This provides coverage for the insured when he/she signs a contract which stipulates the legal responsibility of the insured. Occurrence Basis Property Damage - Again, this is just a broader type of coverage. Occurrence happens over a period of time, whereas, an accident wording is sudden and accidental. Directors & Officers/Errors & Omissions $2,000,000 -This is an Errors & Omissions coverage which protects the Association s Directors & Officers, Executives, Employees and Volunteers for compensatory damages as a result of their wrongful acts. SECTION 2 3

4 SPORT ACCIDENT COVERAGE (Within Canada) Policy #ACC3059 Coverage for practices, competitions, team travel (within Canada). One plan covers all participants, instructors, coaches, trainers, and members of officiating crews of the governing body/sports association. DENTAL - UP TO $10,000 For dental treatments resulting from injury to whole and sound natural teeth and received within 52 weeks of the accident including future dental for minors. BLANKET ACCIDENT REIMBURSEMENT - UP TO $10,000 For cost of prescription drugs, ambulance, physiotherapy (when prescribed by physician), crutches, splints, medical braces, trusses incurred within 52 weeks of the accident. PRINCIPAL SUM BENEFITS - UP TO $20,000 In the event of Loss of Use of Hands, Arms, or Legs: Quadriplegia, Paraplegia, Hemiplegia, Loss of Speech and Hearing or Dismemberment occurring within 52 weeks of the accident (benefit as scheduled in the policy) ACCIDENTAL DEATH - $10,000 In the event of accidental death occurring within 52 weeks of the accident. Other Benefits Fracture Indemnity Benefit - from $50 to $500 paid for fracture of bone of bones Rehabilitation Indemnity Benefit - Up to $3,000 for special occupational training required due to an accident. Tuition Fees Reimbursement- Up to $2,000 for tutorial services made necessary by post-accident confinement. Emergency Transportation Benefit - Up to $50 for transportation from arena or field to nearest hospital or doctor s office. Eyeglasses and Contact Lenses Expense - Up to $100 for repair or replacement of eyeglasses or contact lenses when damage results from an accident which required the Insured Person to receive treatment by a physician or dentist. NO COVERAGE FOR LOSS OF WAGES THIS PLAN IS SECONDARY TO ANY EXISTING MEDICAL PLAN NO PAYMENT FOR ANY BENEFITS THAT ARE AVAILABLE UNDER ANY GOVERNMENT HEALTH PLAN, WHETHER THE INSURED IS ENROLLED IN SUCH A PLAN OR NOT. All of this insurance information is found at the link below. 1-The insurance application 2-Out of Province Information 3-Claim Forms 4-Certificate of Insurance Request As the coach or manager of an ICBA team it is your responsibility to print out a Claims Form and maintain it with you at the diamonds at all times. A player, Coach, or Umpire may need one in case of an emergency. 4

5 INCIDENT AND ACCIDENT REPORTING SECTION 3 OBA has provided us with an incident / accident report to follow as a good guideline for recording injuries with. It is very important that our couches record these injuries and maintain them for the season. When the season is over they should turn them in to their local office for them to maintain if necessary, or destroy them as seen fit. The report should also be sent into the OBA office for future use if necessary. These reports will be used in case there was an injury to a player or a coach to help identify exactly what and where it occurred. If a player has an implication from an injury that happened earlier in the last 2.5 years, OBA can use these reports for insurance purposes. As a coach or manager, it is your responsibility to print this document out and maintain a copy with you at the diamonds at all times. Below is the OBA Incident report outline: 5

6 SECTION Sheldon Drive, Cambridge, Ontario. N1R 6S2 Phone: Fax: baseball@baseballontario.com www. baseballontario.com INCIDENT REPORT PLEASE NOTE: This report is designed to establish an immediate record of any incident that may evolve into some further action being taken, such as, but not limited to, an insurance claim or legal action. It is to assist all parties in the preparation of any documents required to explain or support the incident, accident or claim referred to herein. Baseball Ontario strongly recommends that all Local Associations make all of their personnel aware of this report and require that any incidents be reported within 24 hours of the occurrence. PART I To be filled in by all persons reporting an incident. Date of occurrence Time of occurrence Date reporting occurrence Type of occurrence (accident, injury, property damage etc.) Location of occurrence (where did it happen?) How did it happen? ( be specific) Who was in charge at the time of the occurrence? What is this persons position with the organization? Who owns the premises where this happened? 6

7 Did the owner have a representative on site when this happened? PART II To be filled out by persons reporting an accident or occurrence where someone is injured. Name of injured party Age Sex Address City Postal Code Telephone Numbers _( ) ( ) In the case of a child, who is the responsible party for the injured party? Address as above Other City Postal Code Tel. # s Nature of Injury (What was injured?) Status of Injured Party. ( competitor, coach, spectator etc.) What was the probable cause of this accident? Was First aid given? By Whom? Nature of treatment given Did patient require medical/dental etc. treatment? How was the patient transported to the treatment centre?. Where was the patient treated? By Whom? (name of Doctor/Dentist etc.) 7

8 SEE PAGE 4 OF THIS FORM FOR FURTHER DETAILS AND SIGNATURE PART III To be filled out by persons reporting an accident or occurrence where there is damage to property. Owner of damaged property. Address City Postal Code Phone Numbers Description of damaged property What caused this damage? (Baseball, car, bicycle etc) Describe how this happened? Were police called? If Yes Officers Name Badge Number Detachment Incident # Were there any witnesses? Name of Witness Address City Postal Code Phone Numbers What were the weather conditions at the time? Was the weather a factor in this event? Other Insurance Held (Accident, Extended Health, Travel etc) Insurer Policy # Type of Policy 8

9 SEE BOTTOM OF PAGE FOR FURTHER DETAILS AND SIGNATURE PART IV TO BE FILLED OUT BY ALL PARTIES REPORTING AN INCIDENT. Is there anything further that you feel needs to be pointed out regarding this incident that has not been referred to as yet in this report? Please be specific and provide as much information as you feel is necessary. _ Name of person submitting this report. (Please Print) Signature of person submitting this report. Position with Association Telephone #s Date Submitted FOR OFFICE USE ONLY Date Received By Whom? Further action. Date By Whom? 9

10 ICBA CODE OF CONDUCT SECTION 4 This Code for Conduct identifies the standard of behavior which is expected of all ICBA members and participants, which for the purpose of this policy shall include all players, guardians, parents, coaches, officials, volunteers, directors, officers, committee members, conveners, team managers, trainers, administrators and employees involved in ICBA activities and events. ICBA is committed to providing an environment in which all Individuals are treated with respect. Members and participants of ICBA shall conduct themselves at all times in a manner consistent with the values of our association which include fairness, integrity and mutual respect. During the course of all ICBA and OBA activities and events, members shall avoid behaviour which brings our organization or the sport of baseball into disrepute, including but not limited to abusive use of alcohol, non-medical drugs and tobacco products. ICBA members and participants shall at all times adhere to ICBA`s policies and procedures, to rules and regulations governing ICBA and OBA events and activities, and to rules and regulations governing any competitions in which the member participates on behalf of ICBA. Members and participants of ICBA shall not engage in any activity or behavior which interferes with a competition or with any player or team s preparation for a competition, or which endangers the safety of others. Members of ICBA shall refrain from comments or behaviors, which are disrespectful, humiliating, demeaning, offensive, abusive, racist or sexist. In particular, behavior which constitutes bullying, harassment or abuse will not be tolerated, and will be dealt with under ICBA`s discipline committee. Failure to comply with this Code of Conduct may result in disciplinary action in accordance with the Discipline Policy of ICBA. Such action may result in the member losing the privileges that come with membership in ICBA, including the opportunity to participate in ICBA or OBA activities and events, both present and future. 10

11 General Code of Conduct SECTION 4 1. No profanity in the baseball park will be tolerated. 2. No abuse of the umpires, players, parents, coaches or other teams while at the ballpark. 3. No abuse of alcoholic beverages or non-prescribed drugs while at the ballparks. 4. No use of tobacco products by anyone around the diamonds 5. No Behavior of any ICBA member to another affiliate that can be considered detrimental will be tolerated. 6. All ICBA Rules, Policies and procedures will be followed. Coaches Code of Conduct 1. Coaches will not use any Profanity at the diamonds. 2. All coaches will treat all players, parents, other coaches, umpires with respect, and promote good sportsmanship at all times. 3. Coaches will not criticize the umpires nor will they blame them for any reason. 4. Coaches will encourage all players in a positive manner. 5. Coaches will make time to address any concerns that may arise through the playing season. 6. Coaches will notify players, parents and conveners of any changes in the playing schedule in a timely manner. 7. Coaches will be responsible for maintaining control of all their players while on the playing field at all times. 8. Coaches will not encourage any use of performance enhancing nonprescription drugs to any of the membership of ICBA Locals. 9. Coaches will not consume any alcoholic beverages before or during any ICBA, or OBA, event or practices. 10. Coaches will refrain from using tobacco products or smoking around the players, parents, dugouts, or in the general vicinity of the base ball diamond 11

12 Players Code of Conduct SECTION 4 1. No Profanity will be tolerated at the diamonds. 2. Players will treat other players, teams, Coaches, and Umpires with respect and good sportsmanship. 3. Players will not criticize Umpires for any reason, that is the coache s job to appeal to an umpire. 4. Players will respect all dugouts and leave them in a clean manner when a game is finished. 5. Players will be supportive of other teammates at all times. 6. Players will treat the fields and equipment with respect. 7. Players can come to the coaches with any problems or concerns. 8. Players will positively refrain from using alcohol, tobacco products, nonprescribed medication, including performance enhancing drugs. Parents Code of Conduct 1. Parents will treat all Players, Coaches, Umpires, and Parents with respect at all times. 2. Parents will not profanely criticize Umpires or blame them for missed calls. 3. Parents will encourage players and coaches in a positive manner for their efforts. 4. Parents will support the City Local s, ICBA s and OBA s playing rules and Policies. 5. Parents will respect all fields, equipment and Bi-laws of all the parks. 6. Parents will refrain from using tobacco products and alcohol around the Diamonds. 12