complete solution
Risk Management
Control of financial and personal injury loss from sudden, unforeseen, unusual
accidents and intentional torts.
Strategy to maintain greater control over the legal uncertainty that may wreak havoc on
a sport business.
Risk = _____ x _______
Probability x Consequence Severity
What are 2 key rules to follow with the DIM Process?
Anticipatory rather than reactionary
Proactive vs. Reactive
What does DIM stand for?
Developing, Implementing, and Managing.
Developing (the risk plan)
Identify risks
Clarify (frequency & severity, intensity of loss, Inherent vs. Non-Inherent)
Treating the risks
Steps to Treat the Risks
Avoidance
Transfer (Insurance involvement)
Retention (Financial responsibility, Minor injury pay-outs)
Reduce (Restrict risks of lawsuit, employee training, proper signage)
Implementing (the Risk Management plan)
Employees included in development
Orientation handbook
In-service training
Managing (the Risk Management plan)
Risk manager/safety committee
Scope of duties
Upper management support
Evolve and fluctuate
Premises Liability & Negligence
...
Premises Liability
the legal responsibility a facility or event manager owes to the individuals utilizing the
venue.
, Negligence
"Avoidable accidents that should have been anticipated and prevented by taking
reasonable precautions."
Torts
Action or inaction
Torts
a wrongful act or an infringement of a right (other than under contract) leading to civil
legal liability.
The Elements of Negligence
Duty
Breach of Duty
Proximate Cause
Damages
Duty
Relationship - the people who come visit.
Types of specific duties - safe bleachers, parking area, good service, etc...
Status - Invitee, Licensee, Trespasser, and Recreational User
Duty to a Invitee
owe them the highest level of care.
Duty to a Licensee
Been allowed without monetary exchange to use premises.
Duty to a Trespasser
don't intentionally harm them.
Duty to a Recreational User
granted permission to use, moderate level of care.
Reasonably prudent professional
continuing education in your field of work.
Breach of Duty
Commission
Omission
Commission
Action, activity.
Omission
Inaction, inactivity.
Proximate Cause
connection between the breach of duty and the injury.
Substantial factor for injury.
Damages
Physical of emotional loss suffered by injured party.