Insurance Toolkit for Landcare Groups in NSW P a g e 1
|
|
- Lizbeth Barber
- 8 years ago
- Views:
Transcription
1 Insurance Tlkit fr Landcare Grups in NSW P a g e 1
2 FOREWARD This tlkit has been prepared t prvide guidance n insurance issues relating t Landcare grups in New Suth Wales. This kit is nt regarded as legal advice. It is the respnsibility f individual Landcare Grups t make their wn infrmed decisins regarding their chice f insurance. AUTHOR Landcare NSW Incrprated TARGET AUDIENCE Landcare staff, Bards, Cmmittees + Vlunteers DATE OF PUBLICATION 31 January 2013 A prject f the NSW Gvernment s Landcare Supprt Prgram This dcument is als available n the fllwing link Insurance Tlkit fr Landcare Grups in NSW P a g e 2
3 TABLE OF CONTENTS Public Liability Insurance 4 Prduct Liability Insurance 5 Vlunteer Persnal Accident Insurance 6 Wrkers Cmpensatin Insurance 7 Assciatin Liability Insurance 8 Prfessinal Indemnity Insurance 9 Private Landwners & Insurance Risk Assessment 10 Landcare Netwrks + Umbrella Insurance 11 Insert: Current Insurance Prices Insurance Tlkit fr Landcare Grups in NSW P a g e 3
4 PUBLIC LIABILITY INSURANCE Public Liability Insurance is an essential insurance fr any cmmunity rganisatin t prtect the grup if it is successfully sued fr negligence. The plicy is usually cmbined with prduct liability insurance. What it cvers: Public liability insurance cvers a grup s legal liability t the general public fr bdily injury and prperty damage caused by a negligent act by the members f yur grup. It is especially imprtant fr field days and events. Insured persns include the Landcare grup s Management Cmmittee, full r part time staff, members, vlunteers, vluntary wrkers. The plicy can be extended t cver use f herbicides, pesticides (including trailer munted units), fx shts, use f watercraft (nt exceeding 8m in length), animal baiting, snrkelling and scuba diving, use f chemicals and the use f dangerus machinery. Grup activities n private and public land Extensins can include member t member cver which cvers ne member suing anther. Other extensins can include the hiring ut f equipment t ther peple / grups and the waiver f subrgatin rights fr members wh are als the prperty wners (subrgatin is the right fr an insurer t pursue a third party that caused an insurance lss t the insured). Limit is usually $10 t $20 millin fr any ne ccurrence. Many funding bdies require $20 millin. There can be an excess fr this cver eg $250 fr each admitted lss fr prperty damage claim. Insurance Tlkit fr Landcare Grups in NSW P a g e 4
5 PRODUCT LIABILITY INSURANCE Prduct Liability Insurance is usually cmbined with Public Liability Insurance. What it cvers: Cvers damage and legal csts that are incurred by a maker r seller f a prduct that injures smene r damages smene s prperty. Insured persns include the Landcare grup s Management Cmmittee, full r part time staff, members, vlunteers, vluntary wrkers. Cvers grups wh may prduce varius prmtinal prducts t be sld r handed ut t the general public. Prduct Liability Insurance is particularly relevant if the grup sells fd r prducts either as part f the day-t-day activities r as fundraising. There can be an excess fr this cver eg. $250 fr each admitted lss fr prperty damage claim. Insurance Tlkit fr Landcare Grups in NSW P a g e 5
6 VOLUNTEER PERSONAL ACCIDENT INSURANCE Als knwn as Vlunteer Wrkers Insurance r Vluntary Wrkers Insurance r Persnal Accident Insurance. What it cvers: Vlunteers, grup members and participants fr nn-recmpensable expenses fllwing an accidental injury, disability r death whilst engaged in activities rganised by a Landcare grup. Benefits are paid n an ut-fpcket basis after ther entitlements have been used (eg. Medicare, private health cver, etc.). There may be an age restrictin t the insurance eg. nly cvers thse aged 4-85 years. Other plicies may stipulate n age restrictin but may state that vlunteers must be able t take directin. Cver may be extended t include accidents resulting frm the use f equipment such as brush cutters, chainsaws, underwater breathing equipment r mtrcycles. Cver can als extend t cver vlunteers travelling t and frm any Landcare grup rganised event. This cver is nt a Wrker Cmpensatin Insurance The level f cver is yur chice, therefre, examine the benefits and details. Mst grups have at least $10 millin wrth f cver. There can be an excess fr each / every claim fr incidental expenses. Insurance Tlkit fr Landcare Grups in NSW P a g e 6
7 WORKERS COMPENSATION INSURANCE Landcare Grups and individuals have legal bligatins t prvide Wrkers Cmpensatin Insurance. Wrkers Cmpensatin Insurance is required by law fr any Landcare grup that emplys a wrker n any basis, n matter hw casual. The term wrker includes anyne paid by wages r salary, including piece rates and payment in-kind. Grups that are participating in vlunteer activities that d nt emply wrkers d nt require Wrkers Cmpensatin Insurance. Failure t cmply with Wrkers Cmpensatin requirements means yur grup may be liable fr the full cst f cmpensatin, including cmmn law csts if ne r mre f yur wrkers is injured. Fr wrk undertaken by cntractrs, sub-cntractrs, cnsultants, Landcare grups shuld ensure that cntractrs carry the apprpriate insurances. Insurance Tlkit fr Landcare Grups in NSW P a g e 7
8 ASSOCIATION LIABILITY INSURANCE What it cvers: This insurance cvers the Landcare grup s Directrs and Officers fr any wrng ding, statutry fines and emplyment practice liability and fidelity (theft by emplyees) which may be brught against its members, cmmittee members r fficers f the grup. Prtects the abve individuals against lsses (including legal csts) in the curse f carrying ut their duties n behalf f the grup. This insurance usually excludes cver fr an individual wh cmmits any deliberately r intentinally dishnest r fraudulent act. Cver varies cnsiderably. Fr mst small grups, $1 millin wuld be mst apprpriate. Fr larger grups (eg members), it is preferable t increase cver t $5 millin r $10 millin. Only cvers grups which are incrprated hence this insurance is nt needed by smaller sub-catchment sub-grups which are nt incrprated. Insurance Tlkit fr Landcare Grups in NSW P a g e 8
9 PROFESSIONAL INDEMNITY INSURANCE This insurance is relevant t Landcare grups that emply fficers such as Prject Officers. Prfessinal indemnity (PI) insurance prtects prfessinals against claims made against them by their past r present client. What it cvers: PI insurance cvers legal defence csts, as well as any damages payable. This insurance generally indemnifies the insured fr a claim that is first made while the plicy is in frce as a result f a breach f prfessinal duty in respect f the cnduct f the prfessinal business. Prvides prtectin t member grups, ffice bearers and emplyees fr claims that arise frm any advice given t third parties and members. PI Insurance can be included in the Assciatin Liability Insurance. Prfessinal Indemnity Insurance cvers individuals emplyed by cmmunity grups. PI insurance shuld be cnsidered fr all emplyees. Any prfessinal persn prviding services is regarded by their client as an expert and is therefre pen t a claim being made against them. Only applies t incrprated rganisatins. Cver varies. Fr mst small grups, $1 millin wuld be mst apprpriate. Fr larger grups, cnsider increasing limit f liability t $5 millin r $10 millin. Insurance Tlkit fr Landcare Grups in NSW P a g e 9
10 PRIVATE PROPERTY OWNERS AND INSURANCE Prperty wners n whse land a grup s activities are t take place shuld carry cmprehensive liability insurance. Public liability insurance is necessary t prtect landwners against ptential liability when lss r damage t persns r prperty is sustained as a result f the prperty wner s alleged negligence. The cst f this insurance lies with the land wner. Landcare grups shuld advise landhlders f the type f activity and number f vlunteers invlved in carrying ut prjects n private land. Prperty wners shuld check with their insurers as t whether r nt current liability plicies they may already carry will extend t cver them against any ptential liabilities arising frm grup activities n their prperty. RISK ASSESSMENT Risk Assessment is imprtant t minimise r eliminate risk frm yur Landcare grup s activities. Cnducting a risk assessment f Landcare field days, events and activities is a systematic means f identifying ptential risks, prblems r incidents befre they happen and taking actin t mitigate their impact. While insurance will cver yur grup legally frm being sued, risk assessment is designed t prevent legal actin frm prceeding in the first place. When t cnduct a Risk Assessment A risk assessment is recmmended when yur Landcare grup activities invlve: Event participants including members f the public, grup members, cntractrs r vlunteers. The use f herbicides, pesticides and ther hazardus chemicals, vehicles and heavy machinery, excavatrs and / r chainsaws. Wrking in clse prximity t water, fire, extended sun expsure, and / r animals. The prvisin f fd and drink. A Risk Assessment template and Checklist is available at Insurance Tlkit fr Landcare Grups in NSW P a g e 10
11 NETWORKS + UMBRELLA ORGANISATIONS When des a Landcare Grup need their wn insurance? Many larger, incrprated Landcare netwrks act as an umbrella insured rganisatin fr smaller sub-grups under their banner. This means the netwrk takes ut a plicy with an insurance cmpany, while the grups under their umbrella d nt. In sme instances, these Landcare netwrks are acting as an insurance umbrella netwrk t up t 20 sub-grups. Advice frm Austcver s Phil Dwns is prvided belw regarding when a subgrup requires their wn insurance plicy. Sub-grups shuld have their wn plicy with Austcver if any f the belw factrs apply: They wn equipment (tls, machinery, bats), r They have mre than 10 members, r They meet n a regular basis, r They run their wn Landcare prjects and / r events. Small grups with less than 10 members, wh meet nly n an ad hc basis, are able t be cvered by an umbrella Landcare netwrk by Austcver. Hwever, each sub grup MUST be listed n the insurance plicy, eg. Friends f Macintyre Park, Mt Sullivan Landcare Grup, etc. There may als be a small increase t Austcver premiums if Netwrks want t cver a number f smaller sub-grups. Netwrks Urged t Check Their Plicy It is vital yur Landcare rganisatin is adequately insured. Landcare rganisatins are strngly urged t check with their chsen insurer the requirements with regard t sub-grups under their plicy. Failure t d s may mean yur members, vlunteers and staff are nt cvered in the event f accident r injury. Insurance Tlkit fr Landcare Grups in NSW P a g e 11
Public consultation paper
Public cnsultatin paper Nvember 2012 Public cnsultatin n guidelines fr prfessinal indemnity insurance arrangements fr nurses and nurse practitiners. Please prvide feedback by email t: nmbafeedback@ahpra.gv.au
More informationProfessional indemnity insurance arrangements for enrolled nurses, registered nurses and nurse practitioners
Guideline August 2013 Prfessinal indemnity insurance arrangements fr enrlled nurses, registered nurses and nurse practitiners Intrductin This guideline has been develped by the Nursing and Midwifery Bard
More informationInsurance Frequently Asked Questions
Insurance FrequentlyAskedQuestins MEMBERSINSURANCECOVERAGE Whataremembers(bthcmpetitinandrecreatin)cveredfr? Pleaseseetheattachedflyer Isthereadifferencebetweenarecreatinalmemberandcmpetitinmember? N Frmwhatagetwhatagearememberscveredbyinsurance?
More information1. What insurance coverage is provided for Sigma Chi chapters that are members of the Risk Management Foundation?
Frequently Asked Questins 1. What insurance cverage is prvided fr Sigma Chi chapters that are members f the Risk Management Fundatin? Membership in the Risk Management Fundatin includes the fllwing mandatry
More informationCorporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr.
Crpratins Q&A. What is a crpratin and why frm ne? A crpratin is a business entity that is separate and distinct frm its wners. It can enter cntracts, sue and be sued withut invlving its wners (the sharehlders).
More informationINCOME TAX INSURANCE PERSONAL SICKNESS AND ACCIDENT INSURANCE TAKEN OUT BY EMPLOYEE WITH EMPLOYER PAYING THE PREMIUMS ON EMPLOYEE S BEHALF
QUESTION WE VE BEEN ASKED QB 15/09 INCOME TAX INSURANCE PERSONAL SICKNESS AND ACCIDENT INSURANCE TAKEN OUT BY EMPLOYEE WITH EMPLOYER PAYING THE PREMIUMS ON EMPLOYEE S BEHALF All legislative references
More informationProcess for Responding to Privacy Breaches
Prcess fr Respnding t Privacy Breaches 1. Purpse 1.1 This dcument sets ut the steps that ministries must fllw when respnding t a privacy breach. It must be read in cnjunctin with the Infrmatin Incident
More informationWORKPLACE INJURY/ILLNESS/INCIDENT INVESTIGATION & REPORTING POLICY (BC VERSION)
WORKPLACE INJURY/ILLNESS/INCIDENT INVESTIGATION & REPORTING POLICY (BC VERSION) Intrductin: Hw t Use This Tl As d all ther jurisdictins, BC requires emplyers t investigate and reprt specific kinds f wrkplace
More informationInsurance. Professional UabilitM Commercial & Other. Professional Uability Insurance. AnAbsolute Necessity
Prfessinal UabilitM Cmmercial & Other Insurance AnAbslute Necessity I n August 2005, Illinis enacted medical malpractice refrm that limits the amunt a jury can award fr persnal pain and suffering t $500,000
More informationWhenever practicable, the cap should be discussed and specifically agreed with the other party. This is discussed further below, see Agreeing a cap.
Liability Briefing updated Octber 2008 Managing liability thrugh financial caps 26 Stre Street Lndn WC1E 7BT Tel: 020 7399 7400 Fax: 020 399 7425 Every well-run business must manage the risks that it faces
More informationData Protection Act Data security breach management
Data Prtectin Act Data security breach management The seventh data prtectin principle requires that rganisatins prcessing persnal data take apprpriate measures against unauthrised r unlawful prcessing
More informationnbn is committed to identifying hazards, preventing workplace accidents and minimising dangerous health safety and environment incidents.
Incident & Hazard Reprting Overview At nbn we are safe, disciplined and reliable. nbn is cmmitted t preventing injury, illness and envirnmental harm by prviding a safe and healthy wrking envirnment fr
More informationPersonal Data Security Breach Management Policy
Persnal Data Security Breach Management Plicy 1.0 Purpse The Data Prtectin Acts 1988 and 2003 impse bligatins n data cntrllers in Western Care Assciatin t prcess persnal data entrusted t them in a manner
More informationData Protection Policy & Procedure
Data Prtectin Plicy & Prcedure Page 1 Prcnnect Marketing Data Prtectin Plicy V1.2 Data prtectin plicy Cntext and verview Key details Plicy prepared by: Adam Haycck Apprved by bard / management n: 01/01/2015
More informationCONTENTS UNDERSTANDING PPACA. Implications of PPACA Relative to Student Athletes. Institution Level Discussion/Decisions.
This dcument is intended t prvide NCAA member institutins with an infrmatinal guide regarding the ptential implicatins f the Patient Prtectin and Affrdable Care Act f 2010 (PPACA) when fully implemented
More informationAMWA Chapter Subgroups on LinkedIn Guidance for Subgroup Managers and Chapter Leaders, updated 2-12-15
AMWA Chapter Subgrups n LinkedIn Guidance fr Subgrup Managers and Chapter Leaders, updated 2-12-15 1. Chapters may nt have an independent grup n LinkedIn, Facebk, r ther scial netwrking site. AMWA prvides
More informationHeythrop College Disciplinary Procedure for Support Staff
Heythrp Cllege Disciplinary Prcedure fr Supprt Staff Intrductin 1. This prcedural dcument des nt apply t thse academic-related staff wh are mentined in the Cllege s Ordinance, namely the Librarian and
More informationKey Steps for Organizations in Responding to Privacy Breaches
Key Steps fr Organizatins in Respnding t Privacy Breaches Purpse The purpse f this dcument is t prvide guidance t private sectr rganizatins, bth small and large, when a privacy breach ccurs. Organizatins
More informationAre Insurance Premiums Deductible?
Are Insurance Premiums Deductible? December 2011 Can I deduct the premiums? That s a questin yu prbably hear when yu re presenting an insurance cncept. Unfrtunately, the answer is generally n insurance
More information7 October 2011. Re: Themed Inspection into Third Party Personal Injury Claims. Dear
7 Octber 2011 Re: Themed Inspectin int Third Party Persnal Injury Claims Dear During 2011 the Central Bank f Ireland ( Central Bank ) undertk a themed inspectin prject in relatin t the prcessing f third
More informationaustralian nursing federation
australian nursing federatin Submissin t the public cnsultatin n the Nursing and Midwifery Bard f Australia draft Guidelines fr prfessinal indemnity insurance arrangements fr nurses and nurse practitiners
More informationNotice of Protection Provided by Utah Life and Health Insurance Guaranty Association
Ntice f Prtectin Prvided by Utah Life and Health Insurance Guaranty Assciatin This ntice prvides a brief summary f the Utah Life and Health Insurance Guaranty Assciatin ("the Assciatin") and the prtectin
More informationBenefits of Contractor Workforce Solution Outsourcing - Risk Management. 10 December 2010 CXC Global Research
Benefits f Cntractr Wrkfrce Slutin Outsurcing - Risk Management 10 December 2010 CXC Glbal Research Executive Summary CXC Glbal is a specialist Cntractr Management Cmpany with enrmus depth f experience
More informationDisplayNote Technologies Limited Data Protection Policy July 2014
DisplayNte Technlgies Limited Data Prtectin Plicy July 2014 1. Intrductin This dcument sets ut the bligatins f DisplayNte Technlgies Limited ( the Cmpany ) with regard t data prtectin and the rights f
More informationOperating as an S corporation may be wise for several reasons:
S Crpratin Facts S crpratins are similar t LLCs in that they prvide wners with limited liability prtectin while ffering the tax structure f a partnership. Many entrepreneurs have tw gals when chsing a
More informationB Bard Video Games - Cnflict F interest
St Andrews Christian Cllege BOARD CONFLICT OF INTEREST POLICY April 2011 St Andrews Christian Cllege 2 Bard Cnflict f Interest Plicy Plicy Dcument Infrmatin Plicy Name Bard Cnflict f Interest Plicy Authr/Supervisr
More informationTHE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT. Your Employment Tribunal claim relating to your employment with...
THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT 1. What is cvered by this agreement Yur Emplyment Tribunal claim relating t yur emplyment with... 2. What is nt cvered by this agreement 2.1
More informationFREQUENTLY ASKED QUESTIONS (FAQs)
EMPLOYMENT PRACTICES LIABILITY fr small businesses FREQUENTLY ASKED QUESTIONS (FAQs) What is Emplyment Practices Liability Insurance? Emplyment Practices Liability (EPL) insurance prtects an emplyer frm
More informationPurchasing Policy Checklist for Procurement with Federal Grants Eileen Youens, JD
Purchasing Plicy Checklist fr Prcurement with Federal Grants Eileen Yuens, JD T cmply with the Unifrm Administrative Requirements, Cst Principles, and Audit Requirements fr Financial Awards (the Super
More informationLegal Issues Bulletin
Legal Issues Bulletin N. 8 reviewed May 2015 Claims fr lss f r damage t persnal prperty and use f private mtr vehicles by staff, parents and students Legal Issues Bulletin 39 - Preparatin and use f accident
More informationWhat can Event Assured do for associations & charities?
What can Event Assured d fr assciatins & charities? Specialist insurance services fr assciatins & charities Yur event, ur risk We have been wrking with event rganisers ver three decades Our clse relatinship
More informationContractor Focus Legal View From Dundas & Wilson on Commonly Asked Construction Contract Questions
Cntractr Fcus Legal View Frm Dundas & Wilsn n Cmmnly Asked Cnstructin Cntract Questins 1. Des the level f my PI insurance cap my financial liability under the cntract? I was recently asked this questin
More informationYOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM
Gibney & Gunsn LAWYERS New Suth Wales & Victria YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM Nt cvered by the scheme Injuries that ccur n the way t r frm wrk (wrkers wh are injured while driving during
More informationInsurance Review. Types of Insurance Life Disability Property & Casualty Health Long-Term Care. Life Insurance What is life insurance?
Insurance Review Insurance needs can change ver time as yu experience changes in yur life. The purpse f this dcument is t prvide a high-level verview f the varius types f insurance, ptential cverage benefits,
More informationMulti-Year Accessibility Policy and Plan for NSF Canada and NSF International Strategic Registrations Canada Company, 2014-2021
Multi-Year Accessibility Plicy and Plan fr NSF Canada and NSF Internatinal Strategic Registratins Canada Cmpany, 2014-2021 This 2014-21 accessibility plan utlines the plicies and actins that NSF Canada
More informationProject Open Hand Atlanta. Health Insurance Portability and Accountability Act (HIPAA) NOTICE OF PRIVACY PRACTICES
Prject Open Hand Atlanta Effective Date: April 14, 2003 Health Insurance Prtability and Accuntability Act (HIPAA) The Health Insurance Prtability and Accuntability Act f 1996 (HIPAA) directs health care
More informationADMINISTRATIVE PROCEDURE
ADMINISTRATIVE PROCEDURE TRANSPORTATION OF STUDENTS IN PRIVATE ADMINISTRATIVE PROCEDURE NO.: VI - 7 VEHICLES DRIVEN BY OTHER STUDENTS DATE : FEBRUARY 1996 AMENDED: OCTOBER 11, 2005 AMENDED: MARCH 18, 2008
More informationDodd-Frank Report on Seller Financing
Ddd-Frank Reprt n Seller Financing December 10, 2013 Published by Glbal Publishing Inc. 9799 Old St. Augustine Rd. Jacksnville, FL 32257 p. 904-262-0491 f. 904-262-1464 VIPServices@GlbalPublishinginc.cm
More informationRQ10.06 AACo Share Trading Policy
Australian Agricultural Cmpany Limited ACN 010 892 270 RQ10.06 AAC Share Trading Plicy Versin 5 This plicy was apprved by the Bard f Australian Agricultural Cmpany Limited n 15 December 2010. This plicy
More informationHearing Loss Regulations Vendor information pack
Hearing Lss Regulatins Vendr infrmatin pack Nvember 2010 Implementing the Accident Cmpensatin (Apprtining Entitlements fr Hearing Lss) Regulatins 2010 The Minister fr ACC, the Hn. Dr Nick Smith, has annunced
More informationFTE is defined as an employee who is employed on average at least 30 hours of service per week.
On March 23, 2010, President Barack Obama signed int law cmprehensive health care refrm legislatin, the Patient Prtectin and Affrdable Care Act (H.R. 3590) passed in the Senate. The Health Care and Educatin
More informationRIVERSIDE TRANSIT AGENCY FULL-TIME ATU EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015
RIVERSIDE TRANSIT AGENCY FULL-TIME ATU EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015 Riverside Transit Agency (RTA) is extremely prud f the package f benefits available t yu. The benefits package prvided
More informationChange Management Process
Change Management Prcess B1.10 Change Management Prcess 1. Intrductin This plicy utlines [Yur Cmpany] s apprach t managing change within the rganisatin. All changes in strategy, activities and prcesses
More informationAccountants and Consulting Professional Liability Program. You have the best coverage. Disciplinary Proceedings. Subpoena Expenses
Accuntants and Cnsulting Prfessinal Liability Prgram Yu have the best cverage Fr mre than a dzen years, CPAGld has strived t be the mst innvative and frward thinking prfessinal liability insurance prgram
More informationWhat can Event Assured do for your event?
What can Event Assured d fr yur event? Specialist insurance services fr event rganisers Yur event, ur risk We have been wrking with event rganisers ver three decades Our clse relatinship with rganisers
More informationEmployees - recruitment, records and monitoring
Emplyees - recruitment, recrds and mnitring This guidance has been prduced t help rganisatins cmply with the Data Prtectin Act (DPA) when recruiting and emplying wrkers. It is relevant t public sectr emplyers,
More informationSmall Business Fraud Custom Study among Small Business Owners Conducted for SunTrust Banks/National Small Business Association/Edelman
Small Business Fraud Custm Study amng Small Business Owners Cnducted fr SunTrust Banks/Natinal Small Business Assciatin/Edelman Octber 17, 2007 Objective & Methdlgy Objective In cllabratin with SunTrust
More informationWhat Does Specialty Own Occupation Really Mean?
What Des Specialty Own Occupatin Really Mean? Plicy definitins are cnfusing, nt nly t cnsumers but als t many f the insurance prfessinals wh sell them. Belw we will try t prvide an understandable explanatin
More informationThe Jackson Laboratory Third-Party Fundraising Guidelines
The Jacksn Labratry Third-Party Fundraising Guidelines DEFINITION A Third-Party Fundraiser ( Fundraiser ) is defined as an rganizatin, crpratin, grup r individual raising mney fr The Jacksn Labratry (the
More informationCASSOWARY COAST REGIONAL COUNCIL POLICY ENTERPRISE RISK MANAGEMENT
CASSOWARY COAST REGIONAL COUNCIL POLICY ENTERPRISE RISK MANAGEMENT Plicy Number: 2.20 1. Authrity Lcal Gvernment Act 2009 Lcal Gvernment Regulatin 2012 AS/NZS ISO 31000-2009 Risk Management Principles
More informationAquaculture Insurance
Aquaculture Insurance S, yu ve decided t raise clams, ysters, r the like. This white paper is meant t prvide an insurance starting pint. It will utline the basics and hw they apply, in a brad sense, t
More informationJOINT COMMITTEE ON HEALTH & CHILDREN- THURSDAY 22 JANUARY 2015 OPENING REMARKS, SIMON KAYLL, CEO, MEDICAL PROTECTION SOCIETY
THE CHALLENGES FACING THE MEDICAL PROFESSION ARISING OUT OF THE HIGH COST OF PROFESSIONAL MEDICAL INDEMNITY INSURANCE AND HOW THESE CHALLENGES ARE BEING MET JOINT COMMITTEE ON HEALTH & CHILDREN- THURSDAY
More informationInternet and E-Mail Policy User s Guide
Internet and E-Mail Plicy User s Guide Versin 2.2 supprting partnership in mental health Internet and E-Mail Plicy User s Guide Ver. 2.2-1/5 Intrductin Health and Scial Care requires a great deal f cmmunicatin
More informationEQUESTRIAN AUSTRALIA (EA) AFFILIATED CLUBS INSURANCE PROGRAMME SUMMARY
EQUESTRIAN AUSTRALIA (EA) AFFILIATED CLUBS INSURANCE PROGRAMME SUMMARY The EA Natinal Insurance Prgramme has been negtiated and arranged thrugh EA n behalf f all EA Affiliated clubs and Insured Persns
More informationFrequently Asked Questions About I-9 Compliance
Frequently Asked Questins Abut I-9 Cmpliance What is required t verify wrk authrizatin? The basic requirement t verify wrk authrizatin is the Frm I-9. This frm is available n the HR website: http://www.fit.edu/hr/dcuments/frms/i-9.pdf
More informationHealth and Safety Training and Supervision
Intrductin: Health and Safety Training and Supervisin University f Nttingham is cmmitted t maintaining and develping standards f excellence in all aspects f its business. T that end, the University aspires
More informationPOLICIES AND PROCEDURES
POLICIES AND PROCEDURES Department: Campus Safety and Security and Welcme Center/Infrmatin Subject: Rental Vehicle Insurance Date Issued: December 16, 2005 Date Revised: March 23, 2009; Octber 1, 2011
More informationFinancial advisory and taxation services in Australia
Financial advisry and taxatin services in Australia CPA Australia The Institute f Chartered Accuntants in Australia The Natinal Institute f Accuntants Intrductin: Access t financial and tax advice Cnsumers
More informationUBC Restricted Faculty Second Mortgage Loan Program Description of Key Terms
UBC Restricted Faculty Secnd Mrtgage Lan Prgram Descriptin f Key Terms Updated February 4, 2014 The Restricted Resale Capped Appreciatin Prgram is ne f tw ptins in UBC s Hme Ownership Prgram intended t
More informationHealth Care Reform Patient Protection Affordable Care Act (PPACA) Overview Key Principles
Health Care Refrm Patient Prtectin Affrdable Care Act (PPACA) Overview Key Principles DESCRIPTION: Healthcare Refrm/Patient Prtectin & Affrdable Care Act (PPACA) were passed int law March 23. 2010. Hwever,
More informationSETTING UP A SYNDICATE SERVICE COMPANY IN HONG KONG
SETTING UP A SYNDICATE SERVICE COMPANY IN HONG KONG 2012 2 Disclaimer This is fr reference nly and is nt cnsidered t be legal advice. Whilst all care has been taken t ensure the accuracy f the infrmatin
More information1.0 Purpose This document prescribes requirements for work health and safety (WHS) incident reporting, investigation and corrective action.
WHS INCIDENT REPORTING AND INVESTIGATION PROCEDURE [WHS.06] 1.0 Purpse This dcument prescribes requirements fr wrk health and safety (WHS) incident reprting, investigatin and crrective actin. Definitins
More informationAll Harvard University schools, tubs, local units, Affiliate Institutions, Allied Institutions and University-wide Initiatives.
HARVARD UNIVERSITY FINANCIAL POLICY INDEPENDENT CONTRACTOR CLASSIFICATION Plicy Title: Independent Cntractr Respnsible Office: ERP and UFS Effective Date: Octber 4, 2000 Revisin Date: May 12, 2009 Plicy
More informationCMS Eligibility Requirements Checklist for MSSP ACO Participation
ATTACHMENT 1 CMS Eligibility Requirements Checklist fr MSSP ACO Participatin 1. General Eligibility Requirements ACO participants wrk tgether t manage and crdinate care fr Medicare fee-fr-service beneficiaries.
More informationFIREFIGHTER HEART AND CIRCULATORY MALFUNCTION BENEFITS PROGRAM STANDARD OPERATING GUIDELINES Approved by the DOLA Executive Director July 1, 2014
FIREFIGHTER HEART AND CIRCULATORY MALFUNCTION BENEFITS PROGRAM STANDARD OPERATING GUIDELINES Apprved by the DOLA Executive Directr July 1, 2014 Prgram Overview: As f July 1, 2014, the Department f Lcal
More informationHIPAA Notice of Privacy Practices. Central Ohio Surgical Associates, Inc.
HIPAA Ntice f Privacy Practices Central Ohi Surgical Assciates, Inc. THIS NOTICE OF PRIVACY PRACTICES (THE NOTICE ) DESCRIBES HOW HEALTH INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN
More informationERISA Compliance FAQs: Fiduciary Responsibilities
Brught t yu by Mrris & Reynlds Insurance ERISA Cmpliance FAQs: Fiduciary Respnsibilities The Emplyee Retirement Incme Security Act f 1974 (ERISA) is a federal law that sets minimum standards fr emplyee
More informationWe will record and prepare documents based off the information presented
Dear Client: We appreciate the pprtunity f wrking with yu regarding yur Payrll needs. T ensure a cmplete understanding between us, we are setting frth the pertinent infrmatin abut the services that we
More informationIRS 20 Factor Test Independent Contractor or Employee?
IRS 20 Factr Test Independent Cntractr r Emplyee? The IRS test ften is termed the right-t-cntrl test because each factr is designed t evaluate wh cntrls hw wrk is perfrmed. Under IRS rules and cmmn-law
More informationHampton Roads Orthopaedics & Sports Medicine. Notice of Privacy Practices
This is being prvided t yu as a requirement f the privacy regulatins issued under the Health Insurance Prtability and Accuntability Act f 1996 (HIPAA). This ntice describes hw HROSM may use and disclse
More informationMalpractice and Maladministration Policy
TR340 Malpractice and Maladministratin Plicy This plicy aims t: Define malpractice and maladministratin in the cntext f CIM/CAM studying members, Accredited study centres (ASCs), examinatin centres, invigilatrs
More informationSuccession Planning & Leadership Development: Your Utility s Bridge to the Future
Successin Planning & Leadership Develpment: Yur Utility s Bridge t the Future Richard L. Gerstberger, P.E. TAP Resurce Develpment Grup, Inc. 4625 West 32 nd Ave Denver, CO 80212 ABSTRACT A few years ag,
More informationThe Advisor Lab, LLC www.theadvisorlab.com Bay Point Financial, LLC www. bayptfin.com. www. bayptfin.com www.theadvisorlab.com.
The Advisr Lab, LLC www.theadvisrlab.cm Bay Pint Financial, LLC www. bayptfin.cm Page 2 Histry The clsing f the Studebaker autmbile plant in Suth Bend, Indiana, is generally regarded as the pivtal event
More informationGuide to TEMPORAY AGENCY WORKERS RIGHTS
Davies and Partners Slicitrs Guide t TEMPORAY AGENCY WORKERS RIGHTS Latham Huse 135 Aztec West Rwan Huse 57 Queen Anne Street 33-34 Paradise Street Almndsbury Barnett Way Lndn Birmingham Bristl Barnwd
More informationPrivacy Breach and Complaint Protocol
Privacy Breach and Cmplaint Prtcl Effective: December 31, 2012 Apprved by: Le McKenna, CFO 1.0 General Privacy breaches and privacy cmplaints will be handled in accrdance with this prtcl. This prtcl is
More informationColorado Health Benefit Exchange Board Advisory Group Selection Process, Timeline, Charters and Nominee Form
Clrad Health Benefit Exchange Bard Selectin Prcess, Timeline, Charters and Nminee Frm Backgrund At the COHBE Bard meeting n April 9, 2012, staff shared a mem utlining a recmmendatin t frm vlunteer s (Health
More informationLetter of Engagement. as instructed from time to time in respect of your/the company/trusts affairs
We enclse material which sets ut: Letter f Engagement Infrmatin fr clients which lawyers are required by the New Zealand Law Sciety t prvide; and Our standard terms f engagement. Services t be prvided
More informationDraft for consultation
Draft fr cnsultatin Draft Cde f Practice n discipline and grievance May 2008 Further infrmatin is available frm www.acas.rg.uk CONSULTATION ON REVISED ACAS CODE OF PRACTICE ON DISCIPLINE AND GRIEVANCE
More informationGuide to Working with Consultants
Guide t Wrking with Cnsultants Part f a series f MANP dcuments created t enhance understanding f the rules and regulatins gverning Maine s nnprfit rganizatins. Adapted with permissin frm Wrking with Cnsultants
More informationAn employer s Guide to engaging an occupational health physician
An emplyer s Guide t engaging an ccupatinal health physician When and why d emplyers need the services f ccupatinal physicians? Being in business invlves risk. Business pprtunities are inherently uncertain
More informationCommunal Property Institution Capacity Assessment Tool
Cmmunal Prperty Institutin Capacity Assessment Tl Intrductin t cmmunal prperty institutins Cmmunal prperty institutins (CPIs) Participants in the land refrm prgramme can hld prperty thrugh different frms
More informationMaryland General Service (MGS) Area 29 Treatment Facilities Committee (TFC) TFC Instructions
Maryland General Service (MGS) Area 29 Treatment Facilities Cmmittee (TFC) TFC Instructins Lve And Service Facility Presentatin t Patients We are frm Alchlics Annymus (AA), fr AA, and ur service is fr
More informationCORPORATE CREDIT CARD POLICY
TITLE: POLICY OWNERS: DATE INSTITUTED: May 1, 2008 CURRENT VERSION: Ver. 1.6 REVISION DATE: July 1, 2015 Crprate Credit Card Plicy Melissa Cluse, Vice President & Cntrller Cindy Klein, Accunts Payable
More informationBl$wing the Whistle $n the New Whistlebl$wer Pr$tecti$ns Created by the D$dd-Frank Act. By: Michael James L$mbardin$
Oct$ber 22, 2010 Bl$wing the Whistle $n the New Whistlebl$wer Pr$tecti$ns Created by the D$dd-Frank Act By: Michael James L$mbardin$ The "D&dd-Frank Wall Street Ref&rm and C&nsumer Pr&tecti&n Act" (D&dd-Frank)
More informationEvent Planning Questions To Answer Before You Begin i
Event Planning Questins T Answer Befre Yu Begin i 1. D yu have clear gals fr staging a special event? Is the purpse t raise mney? Assuming ne f yur purpses is t raise funds, it is imprtant t determine
More informationFinancial advisr & Consultant Surveys - A Review
INVESTOR PREFERENCES IN SELECTING A FINANCIAL ADVISOR December 1, 2014 1 Table f Cntents Page Objectives & Methdlgy. 3 Executive Summary 4 Detailed Findings... 6 Questinnaire. 14 2 Objectives & Methdlgy
More informationRemote Working (Policy & Procedure)
Remte Wrking (Plicy & Prcedure) Publicatin Scheme Y/N Department f Origin Plicy Hlder Authrs Can be published n Frce Website Prfessinal Standards Department (PSD) Ch Supt Head f PSD IT Security Officer
More informationWorkers Compensation Employee Packet
Wrkers Cmpensatin Emplyee Packet Cmplete the fllwing frms and return t Meagan Vrhies, Claims Crdinatr via fax (817) 735-0127, email at Meagan.Vrhies@untsystem.edu r in persn at Human Resurce Services (EAD-280).
More informationTradesman Policy Summary Tradesman Insurance Policy Summary 11.2015
Plicy Summary This dcument prvides a summary nly f the significant aspects f cver (including restrictins) prvided by ur standard Tradesman Plicy. Fr full details, please refer t the Plicy itself which
More informationBUPA DENTAL PLAN A P P L I C AT I O N F O R M
BUPA DENTAL PLAN A P P L I C AT I O N F O R M Please cmplete all relevant sectins f the frm in BLOCK CAPITALS and BLACK INK and return it t: Cnsumer Partnerships, FPS Dental, Bupa, Willw Huse, Chertsey
More informationPeratr Accreditatin and Services in Queensland
Infrmatin Bulletin PT 204/09.15 Operatr Accreditatin fr Limusine Services What is peratr accreditatin? The Transprt Operatins (Passenger Transprt) Act 1994 requires peratrs f public passenger services
More informationConventional Condominium Policy
Cnventinal Cndminium Plicy www.newleafwhlesale.cm Overview NewLeaf will riginate and fund mrtgage lans secured by units in cndminium prjects that meet FNMA/FHLMC/ NewLeaf eligibility criteria. Cndminium
More informationCLIENT AGREEMENT School Based Trainees
Smart Emplyment Slutins Ltd t/as Hassle Free Apprentice Management Versin: 04 Date: 01/15 Smart Emplyment Slutins trading as Hassle Free Apprentice Management (ACN 067 508 338) (ABN 68 067 508 338) Email:
More informationHOW TO SELECT A LIFE INSURANCE COMPANY
HOW TO SELECT A LIFE INSURANCE COMPANY There will prbably be hundreds f life insurance cmpanies t chse frm when yu decide t purchase a life insurance plicy. Hw d yu decide which ne? Mst cmpanies are quite
More informationMunicipal Advisor Registration
FACT SHEET Municipal Advisr Registratin SEC Open Meeting Sept. 18, 2013 The Securities and Exchange Cmmissin tday will cnsider whether t adpt a rule that wuld establish a permanent registratin regime fr
More informationBIBH Duty Statements and Governance chart reviewed and approved April 2014. BIBH Executive Governance & Management Arrangements
BIBH Duty Statements and Gvernance chart reviewed and apprved April 2014 BIBH Executive Gvernance & Management Arrangements BIBH COMMITTEE CEO - Paul O Cnnell Executive Secretary - Brian Firth Executive
More informationMarch 2016 Group A Payment Issues: Missing Information-Loss Calculation letters ( MILC ) - deficiency resolutions: Outstanding appeals:
The fllwing tpics were discussed in the March 24, 2016 meeting with law firms representing VCF claimants. Grup A Payment Issues: We cntinue t fcus n paying Grup A claims in full and are meeting the schedule
More informationWhat can Event Assured do for professional event organisers?
What can Event Assured d fr prfessinal event rganisers? Specialist insurance services fr prfessinal event rganisers Yur event, ur risk We have been wrking with event rganisers ver three decades Our clse
More informationGrant Application Writing Tips and Tricks
Grant Applicatin Writing Tips and Tricks Grants are prvided by gvernment (lcal, state and natinal), charitable trusts, and by cmmunity rganisatins (eg Ltteries, Rtary, etc). Each grant has a specific purpse,
More information