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Guest blog: Event liability tips from The Co-operators

Hosting an event can be an important part of any nonprofit’s activities; whether it’s to build awareness about your organization or to fundraise for a specific cause. Making sure you have the right insurance coverage for your event is important to protect you and your organization. But what kind of insurance do you need? Does your Commercial General Liability (CGL) policy cover your event?

Depending on the nature of your event, there are a couple of options available. For single or multi-day events, it may be best to purchase a Party Alcohol Liability (PAL). This coverage is available with or without the service of alcohol. Any claims from this event would be made against the PAL policy; therefore, protecting the claims experience of your organization’s CGL policy. This policy needs to be in place ahead of your event and there is an additional cost for the policy.

If you host events more frequently, insuring your events as a part of your CGL policy may be a better fit; provided that your insurer is aware. By doing so, you are not required to submit a new application for every event that you host, but in some cases, it could increase the cost of your policy.

No matter the event, your insurance advisor is there to help make sure you have the right coverage – it’s always best to discuss the details of your event with them ahead of time.

If you have questions or would like to learn more about insurance for nonprofits, please don’t hesitate to contact us or visit our website.

Dominique Nadeau

The Co-operators

ECVO Fail Safe pic 1

Member Spotlight: Edmonton Chamber of Voluntary Organizations (ECVO) educates nonprofits about ‘risky business’

In Alberta’s nonprofit voluntary sector, usually, our top priority is social good. We try our best to make our communities more vibrant, safe and overall better places to live for all Albertans. But, while we have good intentions, we may not always realize the unintended risk that comes with the work we do.

Risk for nonprofits can range from volunteer screening to human resources, working with disadvantaged populations to program failure, reputation management to legal liabilities and inappropriate insurance coverage, everything in between and more. But, what do we do when the unexpected happens and we don’t have the required tools, resources or plans to mitigate and overcome the risk?

The many ways ECVO educates nonprofits about risk

This is why familiarity with risk management is essential when it comes to the operation of any nonprofit or charity. And luckily, there are capacity building organizations like the Edmonton Chamber of Voluntary Organizations (ECVO) that provide education and guidance on not only managing risk, but also foundational knowledge for nonprofits in their community.

ECVO’s ongoing learning events include topics like bylaw refreshers, board member training, human resources training, policy-making, and more. All of which are foundational topics that nonprofits need to know and support risk management strategies.

More recently, risk was the topic at hand at Think Tank Conversations, an initiative that sees the city’s volunteer managers gather regularly to discuss their challenges and co-create solutions.

Author and entrepreneur Paul Shoemaker leading a breakout session at Fail Safe, October 2018.

Participants brainstormed processes and tools to assist them in their volunteer management work, and also completed risk assessment exercises. One key takeaway from their conversations is that risk is unavoidable and the only solution is to be prepared and to have a plan.

And part of the planning process means learning from previous failures. In 2018, ECVO held their first-ever Fail Safe Conference, a conference that creates safe and supportive spaces to discuss various aspects of failure—how it happens, how to learn from it, and how to use it to create success for your organization.

How ECVO manages risk in their programs and services

It is a fitting conference as one risk that ECVO faces most frequently is the potential failure of a program or service according to Russ Dahms, Executive Director at ECVO. “The risk relates to investing resources and not achieving an outcome, as well as possible reputation risk,” says Russ.

So how does ECVO mitigate this risk? “We consult with trusted advisors and may test proposed programs or services with representatives from the intended target market,” says Russ. This is a smart way to trial new programs before investing in a full launch.

What ECVO recommends for your risk management strategy

But programs and services are only one aspect to consider. Russ recommends that as part of your risk management strategy, nonprofits and charitable organizations should include cyber security, and to find a reputable and capable cyber security company to work with.

In addition, Russ suggests that organizations review their policies to confirm that there are sufficient guidelines to support decision making around mitigating risk. He also recommends making sure your insurance provider has a complete understanding of your organization’s activities so that the insurance policy properly covers risk.

“In addition to general comprehensive liability insurance, director and officer insurance is a must,” states Russ. “Cyber insurance is quickly becoming a standard insurance inclusion.”

ECVO intends to offer another workshop on risk management in the fall of 2019, giving nonprofits the chance to learn more about risk management strategies and to be prepared for the unexpected.

The Edmonton Chamber of Voluntary Organizations (ECVO) is a member-based nonprofit organization serving the nonprofit and charitable organizations in the Metro Edmonton Region. Their vision is a strong, vibrant community strengthened by an effective voluntary sector working with government and business.

Looking for more information related to risk management and volunteer screening? Check out our Volunteer Screening Program for more information.

 

Adrienne Vansevenandt

Volunteer Alberta

Jigsaw puzzle

Volunteer Screening: Finding the Right Fit Makes All the Difference

This blog was first published on the Community and Adult Learning Program website on November 28, 2017.


Volunteer screening is key to your organization’s success – it provides better volunteer matches, improves safety and quality of programs, and reduces risks and liabilities. Screening is about making informed, reasonable judgements about people based on information gathered from a variety of sources. It begins before onboarding a volunteer and continues throughout their involvement with your organization.

The Volunteer Screening Program (VSP) supports non-profits to implement effective volunteer screening practices. The program has two primary components:

  1. Education & Training
  2. Financial Support

EDUCATION & TRAINING

Data gathered from our workshops and presentations showed us that the biggest challenge faced by organizations is access to resources and best practices related to volunteer screening. Organizations want to maximize their volunteer engagement strategies and support a deeper understanding of participation, privacy, and protection at all levels – volunteer managers, leadership, and board.

Organizations also shared they want to hear from their peers. It’s important to have a space to share organizational best practices, discuss challenges faced by the community, and learn from the experts (e.g. police services or insurance agencies). Exploring organizational mindsets around volunteer screening and employing best practices from peers and experts can lead to new solutions and possibilities!

For these reasons, VSP offers lots of free online resources including templates, tools, and workbooks, as well as interactive learning opportunities such as webinars and in-person learning forums.

Access these education and training opportunities and support volunteer screening best practices at your non-profit.


FINANCIAL SUPPORT

VSP provides funding to eligible organizations to support development in the areas of volunteer screening as well as funding for eligible organizations to support costs associated with Vulnerable Sector Checks (VSCs).

The Volunteer Screening Development Grant is designed to help support organizations in developing effective screening practices and processes. The grant provides $2,000 to support non-profits facing resource and capacity challenges in the area of volunteer screening.

The Vulnerable Sector Check Fee Waiver alleviates costs associated with VSCs. The waiver is available for organizations operating in participating communities. Eligible organizations must work with vulnerable populations and engage volunteers in approved positions of trust and authority in order to access the fee waiver.

Find more information on financial assistance.

Daniela Seiferling
Volunteer Alberta

Apple Computer

What does Canada’s Anti-Spam Legislation mean for your nonprofit?

Canada’s Anti-Spam Legislation (CASL) is coming into full force July 1, 2017 after a transition period of three years. The law prohibits sending commercial emails to Canadians without their consent. Here are some considerations to help ensure your organization is following this legislation:

We are a nonprofit! Our emails aren’t “commercial” are they? 

Your emails are commercial if they include or advertise any programs, services, or products the recipient could pay for.

For nonprofit organizations, commercial content in emails might include advertising membership, sharing workshop opportunities, selling event tickets, or promoting a corporate sponsor. If your emails include this type of information, CASL applies to your work.

For registered charities, soliciting donations is not considered a commercial activity.

CASL applies to my organization – what do we need to do?

You need to do three things to meet CASL: get consent, include identifying information about your organization, and include an unsubscribe function.

1. Get Consent

Your email recipients need to agree to receive emails from you.

In most cases, your organization is required to get expressed consent. This means email recipients need to ‘opt-in’ to receive your emails.

Implied consent is acceptable with your members, donors, volunteers, business relationships, and program participants who have been actively engaged with your organization in the past two years. Keep in mind, consent is only implied within the boundaries of that particular relationship – for example, you may only have implied consent from program participants for emails about said program. Implied consent needs to be renewed every two years.

When in doubt, get expressed consent!

2. Include Identifying Information

Your email recipients need to know who is sending the email (your organization) and how to get in touch with you. Add your nonprofits email, phone number, or address to your emails in a signature line or an email footer.

3. Include an Unsubscribe Function

Just because your email recipient gave consent, doesn’t mean they can’t withdraw that consent at a later time. You need to have a way for them to do this (like an unsubscribe button) and a process for ensuring you don’t keep emailing them after they have asked to be removed from your list.

What happens if my organization makes a mistake?

Originally, private citizens would have been allowed to file lawsuits against organizations and individuals who did not follow CASL as of July 1, 2017. The provisions allowing these private lawsuits were suspended this week.

The Competition Bureau, the Office of the Privacy Commissioner of Canada, and the CRTC can all still take legal action to enforce CASL, with penalties for the most serious violations ranging up to $10 million.

As well, personal assets of board members are no longer at risk in the case of a mistake or CASL noncompliance.

It is important for nonprofit organizations to ensure that their insurance covers possible risks.

More information on CASL for nonprofits

Lucky for all of us, there are many great CASL resources available for nonprofits! Here are some good places to look for more information, tools, and templates:

Please keep in mind that Volunteer Alberta is not able to offer legal advice. We hope the information we have offered is helpful and we encourage your nonprofit to contact a lawyer with any legal questions.

Sam Kriviak
Volunteer Alberta

Binder office

From the Vault – Privacy Protection: 4 easy steps

This blog was originally posted August 30, 2016.


Young employeeEarlier this year, we shared three ways that being privacy conscious can improve your organization’s reputation. By being privacy conscious you can help strengthen your organization’s reputation, enhance the trust in your staff, and even increase the loyalty of donors, participants, and volunteers.

So what steps can your organization take to improve your privacy practices?

In Alberta, the Personal Information and Protection Act (PIPA) is part of our privacy legislation. PIPA is an outline of best practices for privacy protection, and all organizations can benefit by meeting these standards.

Did you know?

Most nonprofit organizations are only legally required to follow PIPA when collecting, using, or disclosing personal information as part of a commercial activity. For example, operating a day care, emailing your donor list, or selling products, training, or a membership.

Service Alberta has created a workbook specifically for nonprofit organizations to help evaluate and improve privacy protection practices. We have gone through the workbook and highlighted these four best practices for you.


4 Best Practices for Privacy Protection

1. Have a good reason for collecting the information you do.

ID cartoon

What personal information does your organization collect for each program or service that it offers?

Collecting a client’s birthday might be appropriate if your program has a minimum or maximum age requirement, but it would be unnecessary if the client simply wanted to sign up for your newsletter.

Your organization can create a list of the information your organization collects, along with the purpose for collecting each piece. If you find that your organization is collecting more information than it needs, arrange to get rid of the extra information you already have, and stop collecting the information from new participants.

2. Designate a privacy contact person.

Envelope cartoonChoose one person to be a privacy contact person (staff member, volunteer, or board member) to answer questions or requests about the personal information your organization collects.

This person should be familiar with your organization’s privacy policies and procedures, and be readily available to answer any questions.

3. Get consent for collecting, using, and disclosing personal information.

Pen cartoonThere are two types of consent, implied consent and express consent:

Implied consent: Implied consent is acceptable in situations where it is really clear why you are collecting personal information and how you will use it. For example, taking a donor’s credit card information on the payment screen.

Express consent: Most of the time it is a good idea for your organization to provide added clarity for people and provide the opportunity for them to expressly consent to the collection, use, and disclosure of their personal information.

Two examples of express consent statements your organization might use:

1. Your organization is collecting income information for program participants to ensure they meet the low-income requirement:

The income information you have provided will be used to determine your eligibility for the program, and will only be shared within our agency.

□ I consent this information can be used within the organization to verify eligibility.

2. Your organization is collecting medical information for day camp attendees:

My child’s provided medical information will be shared with camp volunteers to assist them in recognizing a medical emergency. I consent to the collection of my child’s personal information for this purpose.

Signature:  ______________

4. Safeguard and protect the information you collect.

Laptop cartoon

The personal information your organization keeps on your clients, donors, members, staff, and volunteers is sensitive. Take care of other people’s information as if it were your own:

  • Lock your filing cabinets and password protect all devices, including laptops, tablets, and flash drives.
  • Limit access to personal information to relevant staff or volunteers.
  • Don’t keep information you don’t need. For example, if you need to verify your volunteer has a driver’s license, make a note that it has been verified rather than keeping a copy of the driver’s license on file.

Remember: Social insurance numbers, credit card information, birthdates, names, and addresses can all be used in identity theft. Medical information, criminal record checks, and income information can also have serious impacts on personal relationships, careers, and housing.

While privacy protection may require you to create new policies, or change your procedures, in the end best practices help your organization to protect those people who are integral to the work you do. After all, nonprofit organizations exist for the people we serve – let’s all do the best job that we can!

Does your organization follow these best practices? Do you have room for improvement? Let us know in the comments!

Sam Kriviak
Volunteer Alberta

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