Insurance

Liability Insurance

Liability insurance is an important part of a risk management plan and is designed to protect the insured party from the risk of liabilities from lawsuits and similar claims.

University of Wisconsin – Madison provides liability coverage to 4-H staff and 4-H volunteers that lead 4-H programs and activities.

To obtain a certificate of liability insurance, 4-H staff should submit a request to the University of Wisconsin – Madison Office of Risk Management. Please note that it could take up to three weeks to process the request.

Liability and Waivers

The University/State of Wisconsin will respond for 4-H staff and 4-H volunteers if acting within the scope of employment or position description. The State can:

  • Pay claims for injury or property damage to others based on the negligent acts of employees or agents, and
  • Defend employees or agents against allegations of negligence

4-H volunteers do not need personal representation unless advised by the University that they were operating outside the scope of the volunteer expectations or violating either the Wisconsin 4-H Policies or the Volunteer Behavior Expectations.

Volunteers are not immune from lawsuits.

  • Primary coverage is the volunteer’s homeowner/automobile insurance when having activities on their property or driving personal vehicles for 4-H approved purposes.
  • The State of Wisconsin requires personal auto insurance coverage.
  • Suggested minimum insurance is a minimum limit of $500,000 combined single limit, or limits of $100,000/$500,000/$100,000.

Accident Insurance

Accident insurance helps pay for medical costs that the policy holder may incur after an accident or injury.

County-based 4-H programs should purchase accident insurance for 4-H members and 4-H volunteers. Most counties use American Income Life.

  • Purchasing the $1.00 per year plan and $2.00 per year horse project member plan is recommended.The year-round accident policy does not cover injuries sustained while sledding, tobogganing, snowboarding, downhill skiing and other downhill winter sports. 4-H staff or 4-H volunteers should purchase one of three low cost Special Activities Coverage when sponsoring these activities.
  • Counties are encouraged to purchase Special Activities Coverage for non-members participating in 4-H programs, activities and high-risk events.
    Property Insurance
  • Depending on the policy, property insurance provides protection against most risks to property, such as fire, theft and weather damage.
    Chartered 4-H clubs and 4-H groups may purchase a property insurance policy to protect assets owned by the organization, but it is not a requirement.

Property Insurance

Depending on the policy, property insurance provides protection against most risks to property, such as fire, theft and weather damage.

Chartered 4-H clubs and 4-H groups may purchase a property insurance policy to protect assets owned by the organization, but it is not a requirement.

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