Insurance & Risk Management

 

RISK MANAGEMENT

IMPORTANT NOTE: Every Cricket Club and Association in Queensland is automatically included in the National Club Insurance Scheme (NCIS), but as a general requirement the management of these clubs and associations should complete the Risk Management Questionnaire on the JLT website.

To date only 6% of Queensland Clubs have completed this questionnaire, which is the lowest of any of the other states or territories. In order to keep renewal premiums as low as possible (which are paid for by Queensland Cricket) this percentage must be increased. If your club has not yet done the questionnaire please take the necessary steps to have this done. There are only 5 simple questions and the process only takes a few minutes. 

Please refer to details on the NCIS page .....click Here

or go direct to the Risk Management section of the JLT web site by clicking here

The Following Guidelines have been extracted from the JLT website and provide the necessary answers to complete the Risk Management Questionnaire

Within any cricket club, a good risk management culture is always supported by a good risk management system.

Most of this information will not be new to many clubs but is provided as a guide to ensure that the basic practices are being considered by all clubs at all levels.

Successful implementation of a quality risk management system does not necessarily cost any money whatsoever. It is however dependent on active participation from all parts of your cricket club.

The following guide has been divided into various sections, and each section will help your club develop a basic risk management awareness. The sections include:

  • What is Risk Management?
  • Appointing a Risk Management Club Representative
  • Checklists

At the end of this information there is a brief questionnaire (5 questions) and you will be provided with instantaneous feedback.

What is Risk Management?

Risk Management is a process that a club normally carries out on a daily basis.

It can be broken down into 3 simple steps:

  1. Identifying the risk (what things can go wrong)
  2. Analysing the risk (how dangerous and/or likely are these risks)
  3. Treating the risk (what should our Club do about them)

Your Club must implement a system to ensure risk management procedures are followed.

An operational example of risk management in action is as follows:

Ground Assessment
  1. Closely inspecting the playing surface and surrounds to look for potholes, pools of water, rocks, bottles, syringes etc. Anything that could increase the chance of injury to players or supporters.
  2. If something is found that may cause a problem, it needs to be assessed how serious is the problem. A syringe or broken bottle can obviously cause a major problem. A very small pothole near the boundary on the far side of the ground may be viewed as a minor issue.
  3. Doing something about the problem is crucial. Removing rocks, bottles etc is an obvious one. If major problems can't fixed straight away, consideration needs to be given of whether to play / train when people are at a increased risk of injury. Such a decision could result in the club being considered negligent (not acting responsibly).

This strategy and process relates to off-field activities as well. Handling money, recruiting committee members, dealing with children with adult supervision, dealing with the broken steps from the change room, serving alcohol etc. Thinking about things that can go wrong and what actions the club should take is crucial.

The more the club can do to seek to minimise risk the better - whether to prevent injuries or to lessen the chance that someone will seek to sue the club. Sometimes the responsible body to fix something will be another group (e.g. council), but this shouldn't stop the cricket club from trying to stop people from being injured due to the risk issue. If the club cannot fix the issue, in this example, the club should at least work closely with the council to seek to have the matter resolved and try to stop people from being injured as a result of the issue.

Risk Management is now such a priority it must be treated on the same level as cricket operations, finance, fundraising, bar & kitchen operations etc. In order to achieve this, your Club should first commit to the process of appointing a Club representative who is responsible for risk management. The position must be viewed in the same way as your treasurer, secretary, bar manager etc. and the representative should be responsible to the Club Committee.

Appointing a Risk Management Club Representative

This is an important task which should be undertaken by the Club committee.

It is up to all committee members to choose a suitable person that will be responsible for all risk management activities. The Club can appoint a person to focus solely on Risk Management (ideal) or this can be carried out by a committee member who handles many other tasks.

Volunteers who take on this role and act in good faith in trying to help the Club in this vital area can be confident that legislation recently introduced and the JLT Sport National Club Insurance Program are designed to protect the individual from personal liability - in most situations.

The Risk Management Club Representative should be:
  • A person who frequents the Club on a regular basis
  • A responsible and respected member of the Club
  • Committed to the Club achieving a professional attitude both on and off the field
Responsibilities of the Risk Management Club Representative:
  • To be the focal point for Risk Management
  • To monitor risk management activities
  • Review selected checklists, decide who completes them and when
  • To ensure risk management activities are completed using checklists and planners and that they are being appropriately stored
  • Follow up risk management activities calendar
  • Ensure action taken for any defects

The risk management Club representative may call upon others in the Club to assist with risk management activities.

Checklists

Checklists are one of the most simple and practical resources a cricket Club can implement as part of a risk management plan. The following checklist is intended as a guide only, however it is strongly recommended that Clubs utilise the sample as a starting point for tailoring a checklist specific to their Association/Club needs and complete, at least, prior to the start of each days play.

Whilst not compulsory, checklists are an integral part of a risk management plan and Cricket Australia and JLT Sport strongly recommend implementing these at your Club. Checklists are designed to assist Clubs to provide a safe environment for their members to participate in the sport of cricket and ultimately reduce claim costs and potentially insurance premiums.

Game day Checklists are not compulsory, however by completing a Game day Checklist it demonstrates to your Insurer that your Club is taking responsibility for Risk Management in order to reduce any injuries and their frequency.

Game day Checklists - Procedures (example)
  1. Association/Club assess conditions in accordance with checklist prior to the day's play commencing
  2. Any issues remedied prior to the commencement of play where possible
  3. Completed Checklist forwarded to Association for storage for seven (7) years (check with you local Association regarding whether checklists should be stored by the club and / or Association)
  4. Association to make checklist available upon request should a claim arise
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