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Things You Don’t Know
……………and should
Types of Risk
Management
James H. Moss, J.D.
OSU Environmental Interpretation
Capital Law School, J.D.
Clients in Outdoor Recreation:
Individuals to Organizations, Colleges & Universities,
Concessionaires & Permittees,
Manufactures to Retailers
Ground Rules
We can only talk about what I understand
No Ethics
No Morals
 Just Law
People
  Not
Property
Roof’s don’t have a bad day
Sidewalks don’t fight with their
spouse
Grass does not have a slow
commute
Former Trial Attorney
Former Insurance Major Claims
Adjuster
Former Insurance Underwriter
Former Insurance Salesman
F08 Sports Equipment &
Facilities
F27 Snow Skiing
F32 Search & Rescue

                         Voting
                         Member
Expert Witness
College & University Programs
Summer & Church Camps
Ski Accidents
Represent College Programs
Cornell, Ohio State University, Oregon
State University, Idaho State University,
University of Idaho, Miami (OH),
Southern Baptist, Ohio University,
University of Utah, University of
Southern Utah, University of Alabama,
Florida State University, Humboldt,
Colorado Mountain College, University
of Wyoming, Thompson River University
WWW.RECREATION-LAW.COM
       Weekly Case Analysis
       Weekly Legal Analysis
       News & Information
Since 2001
7000 Medical Ski Evacuations (2
years)

16 Fatalities
3 Quadriplegics
1 Paraplegic
Disclaimer:
   All legal advice by it’s very
nature is subject to change and
 the laws of each state. All legal
advice requires a review by your
          local attorney
Reality
  No matter what we learn here a
        judge can change it.
 By the time we get done with the
  conference a judge has probably
             changed it.
If you are really bad, you are going
      to lose no matter what
I believe in Nike™




 Just Do It
Whatever any student or college wants
to do…..you can do it.
Understand the real risks of the activity
      (Misunderstanding by everyone else including parents)

Pre Activity Education
Pre Activity Paperwork
Post Accident Response
This you do know
Kids get hurt
(Kids as defined by the kid: ages 2 to 99)
First major issue solely
faced by colleges and
universities
Who is coming to your campus?
You have two groups to Educate
You Can’t be afraid with your
Education of the Parent
Next Issue

Your primary
education group has
no understanding of:
Dealing with these issues

               1.
How
  Release: Prescott University
                Videos
                Photographs
Appendix A

                        OLIVET NAZARENE UNIVERSITY CLIMBING WALL
                             RELEASE OF ALL CLAIMS AND COVENANT NOT TO SUE
                               ASSUMPTION OF RISK / LIABILITY WAIVER FORM

Notice: This is a legally binding agreement. By signing this agreement you give up your right to bring court action or recover
compensation or obtain any other remedy for any injury to yourself or your property or for your death however caused arising
out of your use of the Olivet Nazarene University Climbing Wall now or anytime in the future.

1. Assumption of Risk
I hereby acknowledge and agree that wall climbing and the use of the Olivet Nazarene University Climbing Wall is wholly
voluntary and may expose me to significant risks. I have full knowledge of the nature and extent of all risks associated with wall
climbing, including but not limited to:
        1. All manner of injury resulting from falling off the Climbing Wall and impacting against the wall or ground.
        2. Injuries resulting from being dropped to the ground during belaying or lowering.
        3. Failure of rope, slings, harness, climbing hardware, anchor points, or any part of the Climbing Wall structure.
I understand that the risks inherent in climbing may result in serious injury, including, but not limited to broken bones,
concussions, cuts, scrapes, bruises or even death.
I understand that helmets are available upon request.
I understand that I am responsible for the condition of personal gear (harness, helmet, climbing shoes, chalk bag).
                                                          Paragraph 1 read and understood __________________________
2. Release of All Claims and Covenant Not to Sue
In consideration of my use of the Olivet Nazarene University Climbing Wall, I agree to release and on behalf of myself, my heirs,
representatives, executors, administrators, and assigns HEREBY DO RELEASE Olivet Nazarene University, its officers, agents,
and employees from any causes of action, claims, or demands of any nature whatsoever, which I, my heirs, representatives,
executors and assigns may now have, or have in the future against Olivet Nazarene University on account of personal injury,
property damage, death or loss of any kind, arising out of or in any way related to my use of the Climbing Wall, whether arising
out of negligence, gross negligence, or any other cause.
                                                              Paragraph 2 read and understood __________________________
3. In further consideration of my use of the Climbing Wall, neither I the undersigned user, nor my heirs, representatives,
executors, administrators, and assigns shall file a lawsuit or otherwise assert any claim whatsoever for personal injury, property
damage, or death arising out of or in any other manner related to my use of the ONU Climbing Wall. I on behalf of myself and
my heirs, representatives, executors, administrators, and assigns agree to INDEMNIFY AND HOLD HARMLESS Olivet
Nazarene University, its officers, agents, and employees from any and all causes of action, claims, demands, losses, or costs of
any nature whatsoever, including attorney’s fees arising out of or in any way relating to my use of the Climbing Wall, whether
arising out of negligence, gross negligence, or any other cause.
                                                              Paragraph 3 read and understood __________________________
4. I hereby certify that I have full knowledge of the nature and extent of the risks inherent in the use of the Climbing Wall and
that I am voluntarily assuming these risks. I understand that I will by solely responsible for any loss or damage, including death,
I sustain while using the Climbing Wall and that by this agreement I am relieving the Olivet Nazarene University of any and all
liability for such loss, damage, or death. I further certify that I am in good health and that I have no physical limitations that
would preclude my safe use of the Climbing Wall.
                                                              Paragraph 4 read and understood __________________________
BY SIGNING THIS DOCUMENT, I ACKNOWLEDGE THAT I HAVE READ AND UNDERSTOOD THIS DOCUMENT,
AND THAT I KNOWINGLY AND VOLUNTARILY ASSUME ALL RISKS AND EXEMPT AND RELIEVE OLIVET
NAZARENE UNIVERSITY, ITS OFFICERS, AGENTS, OR EMPLOYEES FROM LIABILITY FOR PERSONAL INJURY,
PROPERTY DAMAGE, WRONGFUL DEATH OR ANY OTHER LOSS CAUSED BY ANY REASON ARISING OUT OF
MY PARTICIPATING AT THE CLIMBING WALL.

____________________________________________                      ________________________________________
Climbing Wall user’s signature         Date                       Climbing Wall user’s printed name

____________________________________________                      ________________________________________
Parent or guardian's signature (if under 18) Date                 Parent or guardian's printed name (if under 18)

____________________________________________                      ________________________________________
ONU Staff signature                    Date                       ONU Staff printed name
American with
                                          Disabilities Act

                                          HIPAA
Rec/Sports
Programs & Classes                        Confidential
                                          Medical
                                          Information
  No Physician, person with the ability (legal) to make
        the decision is involved in this process:
Validity of Releases
             College               Release Law                   Misc.
Eastern Nazarene College,            Probably          Parents sign away Minor’s
Quincy, MA                                                    right to sue
Mount Vernon Nazarene                   Valid          Parents sign away Minor’s
University, Mt. Vernon, OH                                    right to sue
Olivet Nazarene University,             Valid
Bourbonnais, IL
Trevecca Nazarene                Valid (Nascar Rule)
University, Nashville, TN
Mid America Nazarene                    Valid            No Gross Negligence
University, Olathe, KS
Southern Nazarene University,           Valid
Bethany, OK
Colorado Bible                          Valid          Parents sign away Minor’s
College, Colorado Springs, CO                                 right to sue
Northwest Nazarene University,          Valid
Nampa, ID
Point Loma Nazarene                     Valid          Parents sign away Minor’s
University, San Diego, CA                                     right to sue
Releases
1. Must tell the person what they are signing
2. Must tell the people about the risk
3. Must say the word negligence
4. Must say where the lawsuit will be
5. Must say what law will be applied to the
   lawsuit
6. Must be signed
Not Needed
Initials
What it won’t cover
What it can’t cover
Indemnification issues
Witnesses
One document to cover all risks
Can’t have
Small print
Hidden documents
Sign in sheet
Dancing around the word
“negligence”
What you may not know…….
 Post Accident Evaluations
Largest Payouts in Outdoor
Recreation
Ptarmigan Peak: University of Alaska ($20 M)
Mt. Hood: Oregon Episcopal School ($??)

What did they have in Common?

They hired outside (non-insurance/non-
legal) review of the accidents.
Outdoor Recreation
Evaluations: Must be
Professional
Hire Professional to Help
10 years of experience running a climbing
wall only gives you experience running a
climbing wall.
A wall is a wall that must be examined by an
engineer

10 years of experience running a
Ropes/Challenge course……
An engineer checks stress, loads, etc.
Currently
Campus hired “expert” to evaluate program
Provided “draft” audit
Student/Employee fell on defective
equipment
Expert sued
      Expert had no credentials
Now School looks dumb hiring the “expert.”
More Unknown?
Why do people
sue?
Money
Yet, no study supports that
    Emotions
        Questions
            Revenge
                Protect Others
                         Money
Who Handles Your Claims?
You really want to teach your students how
to swim in this pool?
Risk Management
Plans
How many of you have a Risk Management
Plan?
Risk Management Plan
Used in an emergency.
   To be followed!
Tell me about your Risk Management
Plan
What is on page 17?
When was the last time you trained on
your Risk Management Plan?
All of your employees at the
supervisory level or above know the
Risk Management Plan, Correct?
Breach of Duty
If you do not follow the risk
management plan and someone is
injured have you breached a duty
to them?
Breach of Duty
If you have an emergency that is
not covered in your Risk
Management Plan have you
breached a duty to the person if
they are injured?
Tornado                    Fire
College Recreation                            Hurricane
                                                          Windstorm
                                                                 Hail
                            Snake bite
 Lightening       Skunk                  Incompatible Personalities
                             Food Allergy                  Coyote
  Branch/Tree falls                                Sun
        Insect bite allergy Pre-Existing Medical Condition        Sky diver falls on camper
  Hunger                             Trip & Fall     Dehydration
  Bear       Poor Hygiene Issues
                                               Rope Burn Bleachers Collapse
                    Fire
    Rain Fire         Sprained Ankle Lost person         Fatigue
             Exhaustion
                                   Forest Fire Environmental Risks
Stove Explosion                            Poison Ivy
                 Blister from hike
 Cold    Back injury False Fire        Bee Sting        Sunburn
               Injuries
                                     Animal eats/steals food Bus Accident
                Outside interference
     Bad Water                                      Fish hook puncture
                       Cut from knife or ax
Cooking Pot Explosion                                     Wind storm
Duty

    Breach of the
        Duty



                                                                   Negligence
        Injury Caused
        By the Breach
                             Damages


4/18/2013                  Professional Paddlesports Association                61
Risk Management Plan
  Prepared to be used in
  case of an emergency
100 of Hours being Prepared
• Can’t be memorized
• Can’t fit any situation if to
  detailed
• Can’t cover all situations no
  matter what

• Only used by the plaintiff to
  prove you were negligent
YOU WRITE IT
DOWN AS A
“POLICY”
“STANDARD”
“GUIDELINE” YOU
BETTER FOLLOW IT!
Review Programs & Policies
Sports & Recreation will
use AED’s
“Recreation” program
went backpacking for up
to 10 days
Hard to add 14 pounds
of AED to a backpack
100 Hours better spent
Educating staff on what to do
Creating a training program that trains
people how to respond
Knowledge is better than any dusty
book sitting on a shelf
You are in the job
of educating…..
Instead of writing what will never be
read
Train on what to do?
Determine your resources for
situations
Train to deal with disasters
              ANY Disaster
Cover in your plan, why you only
have the items in the plan you do
1-2 Pages long
A. Who is in charge
B. Where to go for help off campus and when
C. Who can help on campus
D. What are your resources
E. When to evacuate
ICS
Incident Command System
      This is how the Federal and State
Government deals with disasters
      Most police and fire departments use
the ICS system
ICS
When any “agency” comes into
assist, they are going to implement
the ICS system
Why not use a system that can be
used, rather than thrown out
ICS Training
Online
     Levels 100, 200 and 300 can be
taken online
Proper Risk Management Plan
  What steps do you take in case of a
                fire?

               Big Ones
        Really Really Big Ones
© James H. Moss 2013
Jim Moss
Rec-law@recreation-
      law.com
       © James H. Moss 2013
© James H. Moss 2013

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NHEIC Nashville, TN 4.3.13

  • 1.
  • 2. Things You Don’t Know ……………and should
  • 4.
  • 5.
  • 6.
  • 7.
  • 8.
  • 9. James H. Moss, J.D. OSU Environmental Interpretation Capital Law School, J.D. Clients in Outdoor Recreation: Individuals to Organizations, Colleges & Universities, Concessionaires & Permittees, Manufactures to Retailers
  • 10. Ground Rules We can only talk about what I understand
  • 13. Roof’s don’t have a bad day Sidewalks don’t fight with their spouse Grass does not have a slow commute
  • 14. Former Trial Attorney Former Insurance Major Claims Adjuster Former Insurance Underwriter Former Insurance Salesman
  • 15. F08 Sports Equipment & Facilities F27 Snow Skiing F32 Search & Rescue Voting Member
  • 16. Expert Witness College & University Programs Summer & Church Camps Ski Accidents
  • 17. Represent College Programs Cornell, Ohio State University, Oregon State University, Idaho State University, University of Idaho, Miami (OH), Southern Baptist, Ohio University, University of Utah, University of Southern Utah, University of Alabama, Florida State University, Humboldt, Colorado Mountain College, University of Wyoming, Thompson River University
  • 18. WWW.RECREATION-LAW.COM Weekly Case Analysis Weekly Legal Analysis News & Information
  • 19. Since 2001 7000 Medical Ski Evacuations (2 years) 16 Fatalities 3 Quadriplegics 1 Paraplegic
  • 20. Disclaimer: All legal advice by it’s very nature is subject to change and the laws of each state. All legal advice requires a review by your local attorney
  • 21. Reality No matter what we learn here a judge can change it. By the time we get done with the conference a judge has probably changed it. If you are really bad, you are going to lose no matter what
  • 22. I believe in Nike™ Just Do It
  • 23. Whatever any student or college wants to do…..you can do it. Understand the real risks of the activity (Misunderstanding by everyone else including parents) Pre Activity Education Pre Activity Paperwork Post Accident Response
  • 24. This you do know
  • 25. Kids get hurt (Kids as defined by the kid: ages 2 to 99)
  • 26. First major issue solely faced by colleges and universities Who is coming to your campus?
  • 27.
  • 28. You have two groups to Educate
  • 29. You Can’t be afraid with your Education of the Parent
  • 30. Next Issue Your primary education group has no understanding of:
  • 31.
  • 32. Dealing with these issues 1.
  • 33. How Release: Prescott University Videos Photographs
  • 34. Appendix A OLIVET NAZARENE UNIVERSITY CLIMBING WALL RELEASE OF ALL CLAIMS AND COVENANT NOT TO SUE ASSUMPTION OF RISK / LIABILITY WAIVER FORM Notice: This is a legally binding agreement. By signing this agreement you give up your right to bring court action or recover compensation or obtain any other remedy for any injury to yourself or your property or for your death however caused arising out of your use of the Olivet Nazarene University Climbing Wall now or anytime in the future. 1. Assumption of Risk I hereby acknowledge and agree that wall climbing and the use of the Olivet Nazarene University Climbing Wall is wholly voluntary and may expose me to significant risks. I have full knowledge of the nature and extent of all risks associated with wall climbing, including but not limited to: 1. All manner of injury resulting from falling off the Climbing Wall and impacting against the wall or ground. 2. Injuries resulting from being dropped to the ground during belaying or lowering. 3. Failure of rope, slings, harness, climbing hardware, anchor points, or any part of the Climbing Wall structure. I understand that the risks inherent in climbing may result in serious injury, including, but not limited to broken bones, concussions, cuts, scrapes, bruises or even death. I understand that helmets are available upon request. I understand that I am responsible for the condition of personal gear (harness, helmet, climbing shoes, chalk bag). Paragraph 1 read and understood __________________________ 2. Release of All Claims and Covenant Not to Sue In consideration of my use of the Olivet Nazarene University Climbing Wall, I agree to release and on behalf of myself, my heirs, representatives, executors, administrators, and assigns HEREBY DO RELEASE Olivet Nazarene University, its officers, agents, and employees from any causes of action, claims, or demands of any nature whatsoever, which I, my heirs, representatives, executors and assigns may now have, or have in the future against Olivet Nazarene University on account of personal injury, property damage, death or loss of any kind, arising out of or in any way related to my use of the Climbing Wall, whether arising out of negligence, gross negligence, or any other cause. Paragraph 2 read and understood __________________________ 3. In further consideration of my use of the Climbing Wall, neither I the undersigned user, nor my heirs, representatives, executors, administrators, and assigns shall file a lawsuit or otherwise assert any claim whatsoever for personal injury, property damage, or death arising out of or in any other manner related to my use of the ONU Climbing Wall. I on behalf of myself and my heirs, representatives, executors, administrators, and assigns agree to INDEMNIFY AND HOLD HARMLESS Olivet Nazarene University, its officers, agents, and employees from any and all causes of action, claims, demands, losses, or costs of any nature whatsoever, including attorney’s fees arising out of or in any way relating to my use of the Climbing Wall, whether arising out of negligence, gross negligence, or any other cause. Paragraph 3 read and understood __________________________ 4. I hereby certify that I have full knowledge of the nature and extent of the risks inherent in the use of the Climbing Wall and that I am voluntarily assuming these risks. I understand that I will by solely responsible for any loss or damage, including death, I sustain while using the Climbing Wall and that by this agreement I am relieving the Olivet Nazarene University of any and all liability for such loss, damage, or death. I further certify that I am in good health and that I have no physical limitations that would preclude my safe use of the Climbing Wall. Paragraph 4 read and understood __________________________ BY SIGNING THIS DOCUMENT, I ACKNOWLEDGE THAT I HAVE READ AND UNDERSTOOD THIS DOCUMENT, AND THAT I KNOWINGLY AND VOLUNTARILY ASSUME ALL RISKS AND EXEMPT AND RELIEVE OLIVET NAZARENE UNIVERSITY, ITS OFFICERS, AGENTS, OR EMPLOYEES FROM LIABILITY FOR PERSONAL INJURY, PROPERTY DAMAGE, WRONGFUL DEATH OR ANY OTHER LOSS CAUSED BY ANY REASON ARISING OUT OF MY PARTICIPATING AT THE CLIMBING WALL. ____________________________________________ ________________________________________ Climbing Wall user’s signature Date Climbing Wall user’s printed name ____________________________________________ ________________________________________ Parent or guardian's signature (if under 18) Date Parent or guardian's printed name (if under 18) ____________________________________________ ________________________________________ ONU Staff signature Date ONU Staff printed name
  • 35. American with Disabilities Act HIPAA Rec/Sports Programs & Classes Confidential Medical Information No Physician, person with the ability (legal) to make the decision is involved in this process:
  • 36. Validity of Releases College Release Law Misc. Eastern Nazarene College, Probably Parents sign away Minor’s Quincy, MA right to sue Mount Vernon Nazarene Valid Parents sign away Minor’s University, Mt. Vernon, OH right to sue Olivet Nazarene University, Valid Bourbonnais, IL Trevecca Nazarene Valid (Nascar Rule) University, Nashville, TN Mid America Nazarene Valid No Gross Negligence University, Olathe, KS Southern Nazarene University, Valid Bethany, OK Colorado Bible Valid Parents sign away Minor’s College, Colorado Springs, CO right to sue Northwest Nazarene University, Valid Nampa, ID Point Loma Nazarene Valid Parents sign away Minor’s University, San Diego, CA right to sue
  • 37. Releases 1. Must tell the person what they are signing 2. Must tell the people about the risk 3. Must say the word negligence 4. Must say where the lawsuit will be 5. Must say what law will be applied to the lawsuit 6. Must be signed
  • 38. Not Needed Initials What it won’t cover What it can’t cover Indemnification issues Witnesses One document to cover all risks
  • 39. Can’t have Small print Hidden documents Sign in sheet Dancing around the word “negligence”
  • 40. What you may not know……. Post Accident Evaluations
  • 41. Largest Payouts in Outdoor Recreation Ptarmigan Peak: University of Alaska ($20 M) Mt. Hood: Oregon Episcopal School ($??) What did they have in Common? They hired outside (non-insurance/non- legal) review of the accidents.
  • 43. Hire Professional to Help 10 years of experience running a climbing wall only gives you experience running a climbing wall. A wall is a wall that must be examined by an engineer 10 years of experience running a Ropes/Challenge course…… An engineer checks stress, loads, etc.
  • 44. Currently Campus hired “expert” to evaluate program Provided “draft” audit Student/Employee fell on defective equipment Expert sued Expert had no credentials Now School looks dumb hiring the “expert.”
  • 47. Money
  • 48. Yet, no study supports that Emotions Questions Revenge Protect Others Money
  • 49. Who Handles Your Claims?
  • 50.
  • 51.
  • 52. You really want to teach your students how to swim in this pool?
  • 53.
  • 55. How many of you have a Risk Management Plan?
  • 56. Risk Management Plan Used in an emergency. To be followed!
  • 57. Tell me about your Risk Management Plan What is on page 17? When was the last time you trained on your Risk Management Plan? All of your employees at the supervisory level or above know the Risk Management Plan, Correct?
  • 58. Breach of Duty If you do not follow the risk management plan and someone is injured have you breached a duty to them?
  • 59. Breach of Duty If you have an emergency that is not covered in your Risk Management Plan have you breached a duty to the person if they are injured?
  • 60. Tornado Fire College Recreation Hurricane Windstorm Hail Snake bite Lightening Skunk Incompatible Personalities Food Allergy Coyote Branch/Tree falls Sun Insect bite allergy Pre-Existing Medical Condition Sky diver falls on camper Hunger Trip & Fall Dehydration Bear Poor Hygiene Issues Rope Burn Bleachers Collapse Fire Rain Fire Sprained Ankle Lost person Fatigue Exhaustion Forest Fire Environmental Risks Stove Explosion Poison Ivy Blister from hike Cold Back injury False Fire Bee Sting Sunburn Injuries Animal eats/steals food Bus Accident Outside interference Bad Water Fish hook puncture Cut from knife or ax Cooking Pot Explosion Wind storm
  • 61. Duty Breach of the Duty Negligence Injury Caused By the Breach Damages 4/18/2013 Professional Paddlesports Association 61
  • 62. Risk Management Plan Prepared to be used in case of an emergency
  • 63. 100 of Hours being Prepared • Can’t be memorized • Can’t fit any situation if to detailed • Can’t cover all situations no matter what • Only used by the plaintiff to prove you were negligent
  • 64. YOU WRITE IT DOWN AS A “POLICY” “STANDARD” “GUIDELINE” YOU BETTER FOLLOW IT!
  • 65. Review Programs & Policies Sports & Recreation will use AED’s “Recreation” program went backpacking for up to 10 days Hard to add 14 pounds of AED to a backpack
  • 66.
  • 67. 100 Hours better spent Educating staff on what to do Creating a training program that trains people how to respond Knowledge is better than any dusty book sitting on a shelf
  • 68. You are in the job of educating…..
  • 69. Instead of writing what will never be read Train on what to do? Determine your resources for situations Train to deal with disasters ANY Disaster
  • 70. Cover in your plan, why you only have the items in the plan you do 1-2 Pages long A. Who is in charge B. Where to go for help off campus and when C. Who can help on campus D. What are your resources E. When to evacuate
  • 71. ICS Incident Command System This is how the Federal and State Government deals with disasters Most police and fire departments use the ICS system
  • 72. ICS When any “agency” comes into assist, they are going to implement the ICS system Why not use a system that can be used, rather than thrown out
  • 73. ICS Training Online Levels 100, 200 and 300 can be taken online
  • 74. Proper Risk Management Plan What steps do you take in case of a fire? Big Ones Really Really Big Ones
  • 75. © James H. Moss 2013
  • 76. Jim Moss Rec-law@recreation- law.com © James H. Moss 2013
  • 77. © James H. Moss 2013