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SCHOOLS INSURANCE GROUP - INTERACTIVE MATRIX
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Schools Insurance Group (SIG) is a self-insured risk pooling program formed by and tailored specifically for its member K-12 public schools. As a participant in SIG's property and liability program, each District or County Office of Education has a responsibility to identify and manage risk. These event and activity guidelines and resources are provided as a tool to enable each member to identify and manage the potential risks involved. The interactve matrix below lists the level of risk for various activities and provides resources activities associated with each activity. SIG is here to support a safe and fun environment for staff, students, and our communities.
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GREEN - low level of risk.
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YELLOW- higher level of risk requiring additional supervision or oversight.
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SIG Risk Level FlowchartORANGE- higher hazard that requires prior review and approval from SIG. These activities come with a higher deductible in the event of a claim.
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RED- activity is too great a risk and should not be undertaken.
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In general, it is important to avoid using a vendor contract which contains a Hold Harmless Agreement or other wording that states the school will be held responsible for additional liabilities of the vendor or subcontrator. Review all contractual arrangements with your legal counsel or use the SIG Independent Contractor Agreement to make sure that there is no agreements with such provisions. Separate nonprofit groups or clubs, or those that may have a separate Board of Directors-i.e. PTA, PTO, Booster Clubs, Foundations, and others, occasionally sign contracts that may place the District and the auxiliary groups at risk. These groups may purchase coverage under SIG's self-insured risk pooling program (see link below for information). This protects the District and the auxiliary group through SIG's support.
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Below you will find links to documents to assist you in the top portion of the matrix. These documents include flowcharts, examples, guidelines, suggested venues, etc. Each individual activity is listed below in the color associated with its risk as explained above. Each activity has its own hyperlink to a folder containing an individual matrix of items usually required for this event, other general resources, or support documents for the event or activity.
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DISCLAIMER- This material is for informational purposes only. It is not intendend to give specific legal advice nor are any suggested checklists or action plans intended to inlude or address all possible risk management exposures or solutions. You are encouraged to consult legal advisors and other experts in order to develop a safety plan specific to your school and event circumstances.
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RESOURCES:All Risk Management Process Charts
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SIG Events EMAIL - Events@sigauburn.com
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SIG Activity Policy No. 2010 - July 2022
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Insurance Document Examples (COI-AIE-AIR)
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Individual Checklist/Matrix Descriptors
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Student Transportation Guidelines / Volunteer Driver Form
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Auxiliary Information - for PTA/ PTC/ PTO/ Booster Clubs/ Foundations/ etc.
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Ropes Course / Camp Venue Suggestions
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Sample Waivers/Permission Forms (samples for use/legal counsel review recommended)
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Wellness Activities/Events Insurance Documentation Information
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Training Options
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Description of Matrix LevelActivity or Event
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REDTOO HIGH OF RISK
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Red items are excluded under SIG's Activity Policy No. 2010. Alternate coverage should be purchased if members would like to host or organize activities that carry this extreme level of risk to protect against the high probability of accidents and/or injuries that may occur.Aircraft (in flight operations of)
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Motorized Vehicles/Watercraft in Speed Contest (i.e. Go Carts)
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Trampolines
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Watercraft (except commercial craft of 26 feet or more operated by a qualified vendor)
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Red Level Matrix Items
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SIG Activity Policy No. 2010
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SIG Risk Level Flowchart
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ORANGE HIGH HAZARD
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Aerial Pyrotechnic Displays
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Orange activites include higher deductibles as follows: 1) With SIG approval - Double (2 times) a member's general liability deductible; or 2) Without SIG's approval - $100,000 deductible. In addition, a safety meeting is required prior to event to establish authority and contacts, discuss safety protocols, and communicate what to do in the event of an accident or injury.Alcohol Being Served
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Animals (classroom/service/therapy/emotional support)
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Boating (watercraft under 26 feet)
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Bon Fires
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Bungee Jumping
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Carnivals with Powered Rides and Amusement Vendors
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Charter Services, Limousine Services, Any For Hire Transportation (no 15 passenger vans)
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Darts/Dart Games
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Dunk Tanks
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Firework Booth Sales
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Firework Displays (Aerial)
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Inflatables (Slides, Bounce House, or other inflatables) - No Water
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Monster Trucks
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Mountain or Rock Climbing
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Overnight Field Trips
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Paint Ball
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Parades, Transporting Student in Open Vehicles or Trailers
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Rodeos
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Ropes/Challenge Courses - High
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Scuba Training or Activities
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Surfing Activities (Lessons or Contests)
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Velcro Walls, Human Cannon Balls (or any variations)
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Pre-Approval ORANGE Application LINK
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Pre-Approval ORANGE App. FILLABLE
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ORANGE Pre-Approval High Hazard Risk Management Chart
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SIG Risk Level Flowchart
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YELLOW HIGH RISK
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Yellow activities include a activities or events with enhanced levels of risk. This level of activity requires consultation with SIG staff to determine safe protocols and proactive risk management.Aircraft Demonstrations (no in-flight activities involving any students/staff)
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Animal Rides
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Athletic Events Other Than School Teams
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Baby Sitting/Child Care
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Beach Activities
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Camps - Outdoor Enrichment and Science (no ropes or challenge courses)
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Climbing Walls/Rock Walls -- Under 6 Feet
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Equestrian Activities/Horseback Riding
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Equestrian Activities/Horseback Riding
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Hypnotist
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I Fly
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Ice/Roller Skating (no Skatetown at this time)
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Interactive Video Games/Video Games Trailer
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Lake/Ocean/River Trips
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Mountain Biking
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Petting Zoos / Reptile Shows
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Rental Vehicles (also see Transportation) - Charter Services located above
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Ropes Course - Low (2 ft or less)
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Snow Sports (skiing, snowboarding, cross country, snow shoeing)
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Swim Classes
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Swim Party
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Transportation (other than charter services) - Charter Services located above
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Trap Shooting
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Water Parks
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Wellness (exercise classes, workshops, demonstrations, massage, community runs)
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Year-End Celebrations (Prom/Sober Grad) - Offsite
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YELLOW Risk Management Procedure Chart
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YELLOW Pre-Approval Application
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YELLOW Pre-Approval Fillable
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SIG Risk Level Flowchart
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GREEN LOWER RISK
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Green activities are generally acceptable for members to organize as special events or as fundraising events.Aerobics, Ballet, or Dance Classes