Estimated Reading Time: 5 minutes
Executive Director
Resource Type: Articles
Topic: Insurance and Risk Financing, Youth Protection and Child Safety
The beginning of the school year offers a reminder to children and teens that learning isn’t always easy, that hard work generally pays off, and that rules and limits often exist to keep us safe. The same can be said about the lessons, hard work, and rules and limits that collectively comprise a youth protection program in a nonprofit.
The recent verdict in the criminal case against Jerry Sandusky offered a sobering reminder about the risk of sexual misconduct or abuse facing every nonprofit that provides services to vulnerable clientele, including children, individuals with disabilities and the elderly. While it remains true that vulnerable service recipients are statistically safer while participating in programs sponsored by nonprofits than they are in their own homes, the compassionate leaders of today’s nonprofits must be aware of the potential for harm and avoid the naïve thinking that puts our clients at undue risk.
In the wake of the Sandusky trial, leaders of nonprofits seeking insurance coverage to fund the defense of potential claims are pressed to persuade their liability carriers that their organizations have learned from the mistakes of others and have implemented sound youth protection programs. Yet doing the hard work necessary to reduce the likelihood of misconduct should be primarily motivated by the sincere commitment to mission, rather than the more tangible goal of saving dollars on insurance coverage.
The technical elements of a youth protection program often include position and activity design, a staff screening protocol, and careful supervision of youth-serving programs and personnel. As a risk management consultant to leading nonprofits I’ve learned that in addition to these technical elements, a few underlying premises are key. These include:
Some nonprofit and insurance sector leaders expressed shock at the conduct that came to light in the Sandusky criminal trial. Some of these leaders no doubt wondered whether similar misconduct could occur in the organizations they serve or insure. The simple answer is “Yes, it could.”
But rather than dwell on that sobering reality, the key takeaway from the events at Penn State is that no organization is immune from heinous conduct by staff and volunteers. Leaders of youth-serving nonprofits should convert their fears into action. Step one is to recognize the reality of misconduct involving children, including that adults who prey on children are hard to spot. Step two is to design and implement practical strategies to reduce the likelihood of harm and ensure that misconduct is quickly surfaced and addressed. Step three is to thoroughly investigate any allegation of misconduct involving a young participant.
Effective youth protection programs can be implemented in large as well as small nonprofits. By first recognizing the potential for harm and then designing custom-fit strategies, we have the opportunity, if not the moral duty, to increase the odds that our kids are indeed, all right.
Melanie Lockwood Herman is the Executive Director of the Nonprofit Risk Management Center. Melanie welcomes your questions about any of the topics in this article. She can be reached at Melanie@nonprofitrisk.org or (202) 785-3891.
“First let me congratulate you on a conference well done. I had a great time at the Nonprofit Employee Benefits Conference and walked away with some valuable tools and questions that we’ll need to be addressing in both the short and long term. Thanks to you and your staff for all you do to provide us with quality resources in support of our missions.”
“BBYO’s engagement of NRMC to conduct a risk assessment was one of the most valuable processes undertaken over the past five years. Numerous programmatic and procedural changes were recommended and have since been implemented. Additionally, dozens (literally) of insurance coverage gaps were identified that would never have been without the work of NRMC. This assessment led to a broker bidding process that resulted in BBYO’s selection of a new broker that we have been extremely satisfied with. I unconditionally recommend the Center for their consultative services.
“Melanie Herman has provided expert, insightful, timely and well resourced information to our Executive Team and Board of Directors. Our corporation recently experienced massive growth through merger and the Board has been working to better integrate their expanded set of roles and responsibilities. Melanie presented at our Annual Board of Director’s Retreat and captured the interest of our Board members. As a result of her excellent presentation the Board has engaged in focused review which is having immediate effects on governance.”
“The Nonprofit Risk Management Center has been an outstanding partner for us. They are attentive to our needs, and work hard to successfully meet our requests for information. Being an Affiliate member gave us access to so many time- and money-saving resources that it easily paid for itself! Nonprofit Risk Management Center is truly a valued partner of The Community Foundation of Elkhart County and we are continuously able to optimize staff time with the support given by their team.”
“The board and staff of the Prince George’s Child Resource Center are extremely pleased with the results of the risk assessment conducted by the Nonprofit Risk Management Center. A thorough scan revealed that while we are a well run organization, we had risks that we never imagined. We are grateful to know that we have now minimized our organizational risks and we recommend the Center to other nonprofits.”
Great American Insurance Group’s Specialty Human Services is committed to protecting those who improve your communities. The NRMC team has committed to delivering dynamic risk management solutions tailored to nonprofit organizations. These organizations have many and varied risk issues, hence the need for specialized coverage and expert knowledge for their protection. We’ve had Melanie speak on several occasions to employees and our agents. She is always on point and delivers such great value. Thank you for the terrific partnership and allowing our nonprofits to focus on their mission!