PREVENTION

Actions taken to minimize and/or eliminate social, psychological, or other conditions. Prevention can occur at the individual, group, community, and societal levels and enhances opportunities to achieve positive fulfillment.		  
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  MANAGEMENT

See ADMINISTRATION		  
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  PRACTICE

Established actions or ways of proceeding in the regular performance of organizational duties. Policies and procedures often guide practice.		  
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  LIABILITY

An obligation, responsibility, or debt. 		 
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  SERVICE

One or more organization-operated programs or activities that have a common general objective and deploy the organization's material and human resources in a planned and systematic manner. An organization that publicly promotes or identifies itself in writing as offering a service, is licensed to deliver a service, assigns personnel and/or space to a service, or allocates financial resources to a service is considered to offer that service.		  
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  INDEMNIFICATION

Protection for the directors, officers, board members, personnel, and volunteers of an organization against any civil or criminal action, suit, or proceeding resulting from their activities with the organization. Indemnification should include all reasonable expenses, including legal fees, except when it is determined that the person is liable for negligence or misconduct in the performance of his or her duties. Organizations generally will have an indemnification clause in their bylaws, whether or not external insurance coverage has been purchased to cover such risks as may be involved.		  
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  EMPLOYEE

Paid member of an organization. Foster parents are not considered employees and are specifically referenced in relevant standards. 		 
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  GOVERNING BODY

A person or persons with the legal authority and responsibility to set policy and oversee the operations of an organization. Generally, the governing body is a group, such as a board of directors or board of trustees. While the exact responsibilities of the governing body depend on the nature and character of the organization, the governing body has minimum fiduciary responsibilities to the organization set by statute, regulation, and case law, and typically assume responsibilities for long term planning, risk management, and evaluation and effectiveness of management.		  
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  PERSONNEL

The body of employees and/or volunteers that carries out the organization's tasks under the organization's administration and/or supervision. This definition does not include foster parents who are specifically referenced in relevant standards		  
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Risk Prevention and Management
  
Private Org Public Agency  

RPM 4: Insurance Protection

 
The organization is adequately insured.

RPM 4.01

 
The organization annually assesses insurance needs, and obtains coverage that is commensurate with the scope and complexity of its services.
related RPM 2.01

Interpretation: Relevant types of insurance can include:

  1. general liability;
  2. workers’ compensation;
  3. disability;
  4. fire and theft;
  5. medical;
  6. indemnification;
  7. professional liability;
  8. officer’s or director’s liability;
  9. automobile liability;
  10. property and casualty;
  11. malpractice; and
  12. bonding or other forms of employee theft insurance, as appropriate, for all staff and governing body members who sign checks, handle cash or contributions, or manage funds.

RPM 4.02

 
Governing body members and personnel receive a written description of the organization's insurance coverage.

RPM 4.03

 
The network identifies and specifies the level and type of insurance required by its providers, and annually verifies that provider coverage is current.
NA The organization is not a network management entity.
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PURPOSE: Comprehensive, systematic, and effective risk prevention and management practices reduce the organization’s risk, loss, and liability exposure.
 
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