SOCCCD Road Tour Risk Management SOCCCD Presentation for Road Tour - - PowerPoint PPT Presentation

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SOCCCD Road Tour Risk Management SOCCCD Presentation for Road Tour - - PowerPoint PPT Presentation

SOCCCD Road Tour Risk Management SOCCCD Presentation for Road Tour Dr. Debra L. Fitzsimons & Maureen Oliver October 21& 22, 2015 Page 1 of 31 Risk Management Contacts Maureen Oliver -Acting Risk Manager,


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“SOCCCD Road Tour”

Risk Management SOCCCD Presentation for “Road Tour”

  • Dr. Debra L. Fitzsimons & Maureen Oliver

October 21& 22, 2015

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Risk Management Contacts

  • Maureen Oliver-Acting Risk Manager,

moliver@socccd.edu or 949-348-6043

  • Megan Carr- Risk Management Project Specialist

mcarr@socccd.edu 949-348-6068

  • You can also contact the Risk Management

Department at riskmanagement@socccd.edu for any questions or concerns.

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What is Risk Management?

  • Worker’s Compensation
  • General Liability
  • Safety
  • Ergonomics
  • Insurance
  • Forms and Procedures

Here are a few case studies to show why and how Risk Management comes into play:

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Case #1 Negligent Supervision

  • Plaintiff was a student in the District’s Suspension and

Alignment class (auto program)

  • Co-defendant student improperly installed brakes on his

car, and upon backing the car, struck the plaintiff pedestrian

  • The plaintiff sustained a non displaced fractured tibia to his

left leg

  • The plaintiff alleges:
  • District and the class instructor were negligent in providing proper

supervision and instruction (instructor not near activity)

  • Classmate driver was negligent in his operation of the car

Total Incurred: $103,000

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Best Practices -Case #1 Faculty

Supervision and Instruction

  • Instructional Courses should be reviewed for liability/risks to students
  • They can hold significant sources of liability exposure
  • Examine courses that may involve high risk activities-both on campus (in

classroom or lab) activities, extracurricular, or field trips, excursions

  • Once risky activities are identified, develop solutions to control risks
  • Instructor review and approval of finished student work

project

  • Clearly marked auto testing area
  • Supervision by faculty member during activities
  • Proper instruction to students on safety measures
  • Safety measures included in syllabus

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Case #2 – “Peculiar Risk” Situation

Premises Liability / Dangerous Condition

  • District offers class at one of the colleges to local

law enforcement officials

  • Class involves the use of explosives
  • An independent contractor conducts the class
  • No liability forms were filled out by participants
  • Plaintiff participates in a “door breaching”

exercise

  • Plaintiff sustains permanent injury – loss of eye

Total Cost $ 180,345

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Peculiar Risk-Case #2

  • Non-delegable duty when Peculiar Risk
  • Peculiar Risk is strictly unique to the activity
  • Use of explosives is a Peculiar Risk
  • Privette (1993) vicarious liability if Peculiar Risk involved. The

district can be held liable due to peculiar risk activity and must take steps to reduce that risk.

  • Contractor policy excluded use of explosives
  • The responsible department did not ensure that contract with

the contractor was renewed and executed by district prior to the activity occurring

  • Previous contract with the vendor had expired

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  • Full understanding of curricula, related operation

and exercises/activities are needed by instructional administrators and managers

  • Take steps to protect the college and district

(Including our students)

  • Determine what types of risky activities you truly

want to do and not do

  • Contracts need to be reviewed and executed by

appropriate parties prior to activities taking place

  • Certificate of Insurance (COI) with additionally

insured endorsement

Best Practices - Case#2

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  • For unusual risks, obtain contractor’s

specimen policy for review by the district insurance carrier

  • All items with unusual risks need approval by

vice chancellor of business services who will work with college presidents and appropriate college personnel

  • Do not use contractors that do not have

coverage for unusual risks

Best Practices - Case#2

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Transfer of Risk Case #3 - “Shoddy” Execution of Agreement

  • College grant project requires property to be moved and stored off site
  • A college person, not designated to enter into agreements, signs a rental

agreement with moving/storage company

  • Agreement not reviewed by proper parties
  • College fails to provide value
  • f property and select amount
  • f coverage for property
  • Loss occurs and district/dept.

unable to recover any damages

Claim Value = $50,000

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Best Practices – Case #3

  • Choosing to utilize a third party for moving and storage, excellent risk

management technique

  • Fine print overlooked
  • Customary language used by this type of firm to minimize exposure
  • Make sure to follow proper contract procedures for review and approvals

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Procedure Overview

Contracts and Agreements

Opportunity to appropriately transfer risk so department not at risk / liability Beware of:

 One-sided indemnification language Accepting and indemnifying vendor’s exposure “indemnify for all acts against vendor”  Limits of liability language Limit of vendor’s liability equals value of the work/project  Missing additionally insured endorsements  Expired vendor certificates of insurance policies

SOUTH ORANGE COUNTY COMMUNITY COLLEGE DISTRICT

STUDY ABROAD PROGRAM TOUR PARTICIPANT AGREEMENT This Study Abroad Program Tour Participant Agreement (“Agreement”) is entered into by and between South Orange County Community College District (“District”) and ___________________________________________ (“Student”), concerning Student’s participation in the International Education program (“Program”), held in conjunction with _______________________________________________ during _______________________. District and Student are individually referred to as “Party” and collectively referred to as the “Parties” for purposes of this agreement. WHEREAS, District has given permission for Student to participate in the Program; and WHEREAS, Student acknowledges, warrants, and represents that Student has received, has fully read, and completely understands the information provided by District in the Program packet and the practice information booklet, and that Student has been fully advised as to the cultural, safety, and health issues and problems presented thereby, and numerous potential problems and dangers of the Program; and WHEREAS, Student wishes to participate in the Program; and WHEREAS, Student and District intend to be legally bound by the terms of this Agreement including Student’s releases, assumption of the risks, and indemnity of District. in consideration of the permission granted by District to Student to participate in the Program; DISTRICT AND STUDENT AGREE AS FOLLOWS: RELEASE

  • 1. Student hereby releases, discharges, and agrees to hold harmless District, and each of its

trustees, agents, employees, representatives and volunteers, from any and all liability arising out of or in connection with Student’s participation in the Program. For purposes of this release, “liability” means all claims, demands, losses, causes of action, suits, or judgments of any kind that Student or Student’s heirs, executors, administrators, and assigns may have against District, and any of its trustees, agents, employees, representatives, and volunteers, because of failure to pass any course or

  • btain any particular grades, personal injury, accident, illness, or death, or because of any loss of, or

damage to, property that occurs to any person including Student during the Program, and that results from any cause, including but not limited to passive or active negligence or other acts, other than fraud or willful misconduct, or violation of the law, of District or its trustees, agents, employees, representatives, or volunteers. Student Initials

  • 2. Notwithstanding any insurance coverage which may be in effect and in addition to any

additional undertakings referred to herein, Student, to the extent allowed by law, shall defend, indemnify and hold District, and each of its trustees, agents, employees, representatives, and volunteers free and harmless from and against any and all liability, claims, losses, expenses, judgments, or demands, including the obligations of District, and each of their trustees, agents, employees, representatives, and volunteers, on account of any similar agreement the District, or its

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 Use district drafted contracts rather than vendor drafted  Use contract templates on the Contracts SharePoint

 Work with VC Fitzsimons’ office or Exec Director D’Lena for unique contracts

 Don’t sign your own contracts please!!!  Contracts require board approval and/or ratification

Procedure Overview

Contracts and Agreements

Make sure valid contract is in place to protect department before event, activity, service being performed

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Case # 4 - Premises Liability/ Dangerous Condition

  • On the college campus, a student trips and falls on raised

threshold board (considered beyond trivial defect)

  • The threshold problem was reported by the biology dept.
  • District (i.e., college maintenance department) aware of condition

but failed to repair

  • A maintenance employee had inspected site prior to incident

and did not notice condition

  • The maintenance dept. failed to document his inspection
  • Student sustained permanent injury
  • Review insurance protections offered by contractors to ensure

the most beneficial protection is selected.

Total Incurred = $256,000

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Best Practices – Case #4

Self Inspection Process

  • Trips and falls account for the majority of General

Liability/Dangerous Condition (GL/DC) claims

  • Understand what constitutes a dangerous condition
  • Monitor the areas around your workstation, office areas,

and college for dangerous conditions, then report them

Follow-up

  • The problem areas need to be cordoned off and good

warning signage posted. Demarcate, repair or remove dangerous condition

  • Document all corrections as standard follow-up / close-out
  • f the maintenance work order process

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Case #5- Student Participation Waiver Forms

  • Student participating in football sustains spinal cord injury
  • District obtained Participation/Waiver form
  • Coach gave the only copy to Paramedics
  • Form lost by paramedics
  • Student suing district and

district has no documentation

Total Incurred = $569,981

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Best Practices - Case #5

  • Waiver obtained
  • Ensure waivers are kept up to date for ALL students
  • Ensure department uses only legal approved waiver

forms (available on Risk Management SP site)

  • Keep original copies of student

waiver files in safe place

  • Follow established

documentation maintenance practices

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Case #6 – General Liability Case

Dog Bite

  • PE Student is taking a class at the college
  • Student is bitten by unattended Chihuahua owned by the

PE instructor teaching the class

  • Student claims Chihuahua jumped up and bit her
  • n left side of butt
  • Bite results in medical bills and claim of “near death”

event due to infections to her kidneys

  • Student drops out of all courses for the semester
  • Plaintiff medical claim has not been proven; district is currently

not accepting liability

  • Claim in litigation; plaintiff demanding over $100k in damages

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  • SOCCCD has existing BP and AR 3401

regarding Animals on Campus

  • Prohibits animals on campus with

exception of service animals

  • Instructor violated district policy and

procedures

  • Instructor was directed not to bring dog
  • nto campus again
  • Instructor continued to bring dog to work

Case #6 – General Liability Case

Dog Bite

Dog bite

  • ccurred again!!

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  • District’s liability insurance placed on notice
  • Plaintiff also going after instructor’s liability insurance

for contribution (homeowner’s policy)

  • Existing Policies and procedures need to be followed
  • No written documentation that faculty was instructed

not to bring dog in to work after first dog bite

  • District has increased liability for second incident

particularly given that first one occurred

Case #6 – General Liability Case

Dog Bite

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  • Faculty and staff can be held personally liable because

they did not follow or violated district policies

  • Personnel issues related to policy violations

Case #6 – General Liability Case

Dog Bite

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  • Campus decides to allow students and non- students to

use College Baseball field for a college sponsored ball game

  • A non-student was running into home and was struck on

the head by the softball

  • Non-Student suffered major injuries and fractured his

skull

  • None of the required paperwork was completed and

signed (Student liability waivers and facilities use forms for using college facilities)

  • Emergency protocol was not followed
  • Injured guest was driven to the hospital by another non-

student

  • Injured guest is now seeking compensation for his

surgery costs

  • Risk Management was notified 4 months after the injury
  • ccurred

Case #7 – General Liability Softball Game Gone Wrong

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  • A facility Use Agreement should have been filled out

for the use of the field.

  • All players should have signed a district mandated

volunteer waiver form.

  • Risk Management should have been notified of the

accident immediately.

  • An incident report should have been completed

and submitted to Risk Management so that proper investigation could have occurred.

  • District does not have any documentation on the

incident and therefore is vulnerable for full liability.

  • If the required forms had been in place, the liability

would have been fully transferred to guest or shared.

Best Practices-Case #7 – General Liability

Softball Game Gone Wrong

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Case # 8 – Slip/Fall Injury Worker’s Compensation

  • Employee alleged that they were walking up the

stairwell, slipped on some water and fell on their right side.

  • Employee didn’t report the injury right away to their

Supervisor in fear of getting into trouble.

  • A few days later the injured employee started to

feel a very sharp pain in their right wrist.

  • Employee continued to work without reporting the

injury and over the next few months the right wrist pain became unbearable.

  • The injured employee finally reported the injury to their Supervisor. The Supervisor

was extremely suspicious of the story and didn’t offer a Worker’s compensation packet or the option to seek medical care.

  • The employee felt very afraid of losing his job so a lawyer was obtained by the

employee, claim was accepted and it was a total cost of $150,00.00

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Best Practices- Case # 8 – Slip/Fall Injury

  • Employee should have reported the injury right after it

happened.

  • It is not up to the supervisor to question the employee’s story.

The claim will be investigated by the insurance company. The Supervisor still should have shown compassion towards the injured employee and provided the proper paperwork, as required.

  • Employee would then have been able to seek medical

treatment and obtain the assistance of an insurance adjuster to guide them through the process.

  • If employee were to have reported the injury right away the

Supervisor would have been able to have the injured employee show them where the water spill on the stairwell was, taken pictures and included them in the incident report.

It works out better for all if injuries are reported timely, supervisors follow the correct procedures, and the claim is handled efficiently.

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Procedures for Worker’s Compensation

What to do when an employee has informed you

  • f a Worker’s Compensation

Injury / Illness:

1. Show compassion and concern for their reported injury/illness. 2. All work related injuries need to be reported immediately to the direct Supervisor. 3. The Supervisor of the injured employee must ask if the employee would like to seek medical care. 4. Supervisor then would obtain the latest Worker’s Compensation Packet from Share Point, print out the appropriate paperwork and sit down with the injured employee and sign the appropriate paperwork.

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Worker’s Compensation Procedures (Continued)

5. Completed incident report paperwork must be submitted to Risk Management within 24 hours

  • f reported injury.

6. If the injured employee did seek medical care an insurance claim would be created by Risk Management. 7. Injured employees must provide each medical work status from the approved medical facility after each medical visit throughout the life of the claim. 8. If there are restrictions that cannot be accommodated an ADA process will occur with the direct Supervisor, Human Resources and Risk Management. 9. OSHA requires that any employee who is admitted to the Hospital for more than 23 hours for a work related injury, must be reported to OSHA by Risk Management immediately or fines will be issued.

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Field Trip Forms & Procedures

FS#35 form Voluntary Activity Consent Assumption of Risk Release of Liability and Hold Harmless Form must be completed by every student for each field trip. If you have multiple field trips planned with the dates, times and exact locations, you can enter multiple trips on the top of the form and the student only needs to sign

  • nce.

If any of the field trip information changes throughout the semester, a new FS#35 form needs to be filled out by each student. FS#32 form Transportation Agreement Permission to Use Personal Vehicle, needs to be completed by the student if he/she chooses to drive their own vehicle to the field trip destination when District transportation is being provided. Faculty Members must first complete a request for a field trip form that is kept in the Division Office.

For Form is m is Man Manda dator

  • ry

y for for every every event event

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Navigate Risk Management SharePoint

  • How to sign on through socccd.edu
  • How to navigate
  • Location of common forms

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What can you take away from this?

 You do not need to be a safety expert!  Most everything is common sense  Awareness of surroundings  Report incidents or issues promptly  Follow-up  Follow policy and procedures; use district approved forms not your own (had legal

review, etc.)

 Contracts can protect your department and students  Think about risk in everyday college and district activities---are we protected?  If not sure what to do, ask us

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Questions or Comments?

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