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EHL Blog Team

Heidi Dearinger

Heidi Dearinger
Business Development Coordinator
LinkedIn Facebook Twitter Email Heidi
Jenny Foster Jenny Foster
HR Manager
Senior Employee Benefits Advisor
 
   
Jason Mayer Jason Mayer
Risk Manager
LinkedIn Facebook Email Jason
Laura Ledbetter Laura Ledbetter
Personal Risk Advisor
Special Needs Coordinator
Email Heidi


     
Jenny Foster  

How Will You Be Remembered?


February 25, 2011
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Today I had the honor of attending the memorial service of a friend of mine who lost her life to cancer at the young age of 47. When I received word of her passing last Friday my first thought was a wave of panic that I had just recently discarded her dear Christmas card that I had held on to for more than a month. While her card indicated that the cancer had found yet another place to invade her, I continued to feel hopeful because she had so valiantly fought her battle with cancer since 2005 and so often seemed to get ahead of it. All at once, an email told me she was gone, and while somehow understandable, it was still unexpected. 

There are just some people that the moment you meet them you think "now this is someone I want to know." Something about her touched my heart from the beginning, and while our relationship began as a simple business introduction, I felt comfortable hugging her by only our second meeting together. She was warm, she was professional, she was authentic. It was not long after I learned she had cancer, and I followed her journey from that point on, always asking her colleagues for updates even when I was out of touch with her for periods of time due to her health. 

Nearly all of us have been touched in some way by cancer. My friend's bravery both touched my heart and taught me much. She demonstrated courage beyond measure and a unique perserverance fueld by a positive attitude. As I drove to the church for her service today, the parking lot and the overflow parking areas were full. I parked a block away and walked alone in the rain, so pleased so see the crowd who turned out to remember her lifelong service to her career, her family, and her community. A key employee in her firm for 29 years and a dedicated Rotarian, she truly gave back to others in a natural and selfless way. My heart goes out to her family, her friends, and her co-workers who shared a much longer history with her than I. While I was honored to serve as her broker, I will ever be honored to have been her friend.

While she leaves behind many loved ones, she also leaves behind a legacy that will live on for many years. What legacy will you leave behind? How will you be remembered?

Please join me in sharing her time tested and absolutely amazing recipe for cut out cookies below. Trust me...they rock the house! May you be blessed by this treasured recipe, and as you pass it on, I thank you for passing along a small part of her giving spirit.

In memory of Joy Doescher
1963 - 2011

Joy's Recipes
click here to see Joy's recipes

     
Heidi Dearinger  

Snow is Coming...Are You ready?

 
February 22, 2011
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Threats (or promises...depending on how you look at it) are coming in that there is snow in the immediate forecast.

Considering we’ve had a lot of high winds lately, some long lasting power outages, it is best to prepare for the worst.

snowflakeLight Source – do you have Candles? Matches? Flashlights? Batteries?
snowflakeHeat – stacked and dry Wood for the Fireplace? Blankets?
snowflakePower – Generator?
snowflakeFuel – fill up your tanks for your cars and generators
snowflakeFood – find food that you and your family can eat that doesn’t require power or can be heated on a gas/propane grill like fresh fruit, veggies, soup, power bars.
snowflakeWater – prevent dehydration - have a lot on hand – give or take 64 fluid ounces per person per day.
snowflakeDriving – have an extra blanket, snacks, water, and a flashlight in the car. Wear (or at least bring) good warm clothes (and walking shoes) every time you go out. Also, SLOW DOWN. Seriously. You may think that your 4-wheel drive is perfect in the bad weather but that is a misnomer. Everyone slides on ice.
snowflake Cell phone – make sure your battery is charged. Get a phone charger for your car. You can also buy other chargers for your car for USB plugs and regular power outlets.
snowflakeMedications – be sure to stock up for a few days. You don’t want to run out and be stuck at home.

picture courtesy of scrapetv.com

OK, some random really handy stuff that has helped me: When I started writing this blog (just 2 hours ago) the sun was out and the sky was blue. Now, the snow is coming down.

Go out there and get prepared!
 
     
Jason Mayer  

The Volunteer Protection Act

 
February 4, 2011
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I am a Rotarian! I’m proud of the work we do in our community and internationally. I also serve on several non-profit boards and volunteer in many other areas. Being a risk manager, I’ve spent some time looking into what exactly I am personally exposed to if something went wrong in an area that I volunteer. What if I’m accused of improper decisions that cost additional hard earned money, what if someone was injured at an event I helped plan for? Many other questions ran through my mind. I found the following information VERY helpful and re-assuring. I also learned what to do to proactively protect myself individually and my family.

volunteer To promote volunteerism, the Volunteer Protection Act (VPA) was signed into law in 1997 under President Clinton. This Act pre-empts existing looser state laws protecting nonprofit volunteers, encouraging the public to participate in social service.

Overview of the Volunteer Protection Act
The VPA protects volunteers against civil liability if:
  • the volunteer was acting within the guidelines of his/her job description;
  • the volunteer had the proper licenses, certifications or was authorized to act AND those acts were within his/her job description;
  • the volunteer did not cause harm that was “caused by willful or criminal misconduct, gross negligence, reckless misconduct or a conscious, flagrant indifference to the rights or safety of the individual harmed;”
  • the volunteer did not inflict harm while using a motor vehicle, aircraft or other vehicle.
The VPA provides consistent protection for all nonprofit personnel since states’ laws vary. More specifically, many states only provide protection to the organization’s director or board members, while others protect everyone associated with the organization.The VPA does not, however, protect a volunteer from litigation brought by the organization onto the volunteer for violating one of previously mentioned criteria.

Most importantly, the VPA does not protect the nonprofit organization from litigation; it only protects the volunteer. In other words, the organization may be liable for the negligent actions of the volunteer, even when the volunteer is immune from litigation under the VPA. Therefore, the burden of responsibility is on the organization to assure that its volunteers are acting in a lawful manner while carrying out the duties assigned to them by the nonprofit.

Examples of the Scope of VPA
  • A child is severely injured while swimming at a church-sponsored summer camp. The volunteer camp counselor who neglected to supervise the pool would not be liable for the incident. However, the church is liable for not hiring a properly trained lifeguard to supervise the pool.
  • While driving several young players to a little league baseball game, a volunteer coach makes an illegal left turn and hits another car. In this instance, the volunteer is liable and is not immune under VPA or the state law because he violated a traffic law.

Consequences of VPA

Though the act does encourage the public to volunteer without fear of litigation and assures that volunteer protection laws do not vary significantly from state to state, it also poses threats to you, the organization. With this added legal security, volunteers may take more risks while doing assigned jobs or take on responsibilities without proper training. Furthermore, they may not exercise the type of caution needed or become careless in their dealings with the populations the organization serves.

The act may also deter organizations from enacting risk management programs to ensure that volunteers are properly trained, knowledgeable and prepared.

Organization Liability Prevention
To prevent excessive liability on your organization, you should do the following:
  • Establish a risk management program run by a designated committee to address factors that could negatively affect your organization. The committee should identify risks that have the potential to be costly for the organization.
  • Have risk financing in place to pay for damages, legal expenses, injuries or other costs associated with litigation.
  • Obtain general liability insurance, which protects against bodily injury and property damage claims that are brought against you organization by the volunteer.

General liability insurance will protect an organization’s assets in the event of a lawsuit. In some cases, the VPA may also reduce the organization’s risk and, therefore, may reduce the insurance premium. There may be some liability policies available to you on a personal level as well.

For more information, contact me to learn more about our cost-effective liability insurance solutions to protect against litigation as a result of volunteer actions.
     


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