Page 140 - DMGT304_EVENT_MANAGEMENT

Unit 6: Risk Management

Risks to health and safety associated with events include: Notes
Surfaces that are not even, slippery, or have potholes, and which may cause participants or
spectators to trip, slip and fall.

Projectiles that are used during an event including balls, pucks, discuss, javelins
Obstructions that people may run into or hit the head on
Food hygiene

Competitive aggression resulting in brawls, abuse, harassment
Accidents resulting in injury are frequent in events, and event organising committees will not
be held responsible provided that a reasonable attempt to identify risks has been made, and
strategies have been put in place to mitigate these risks. In short, the event organising committee
needs to be seen to have done a reasonable job in risk management.

Self Assessment

Fill in the blanks:

1. When we ............................ a risk, therefore, we take into account two factors -
the probability of something happening that we don’t want, and the consequences if it
does.

2. Identifying, evaluating and understanding risks is a very important aspect of ............................
management.
3. The most widely understood risks are ............................ and safety risks.

4. The ............................ is the type of risk that we mostly think about.
5. The ............................does not involve injury to something living.

6.3 Risk Insurance

The management committee of any sport and recreation organisation must consider the need to
protect the organisation from financial risks by taking out appropriate insurance cover. There
are a wide range of insurance products available and the best strategy is to talk to insurance
brokers who deal with sporting organisations regularly.

6.3.1 Public Liability Insurance

Public liability covers the organisation against liability to pay compensation for any injury or
financial loss sustained by a third party as a result of negligence on the part of the organisation. A
third party is someone who is not a member of the organisation, or an employee of the organisation.
Public liability policy does not cover any loss or injury that arises as a result of participation in
sport and recreation activities by members of the organisation. It does however cover the
organisation for claims for compensation by members of the public if they sustain any injury or
loss while on the premises of the organisation.

6.3.2 Professional Indemnity Insurance

The organisation can cover itself against claims for compensation arising from the negligence of
coaches or officials who provide service to persons participating in the organisation’s events,

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