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Risk

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The Hudson River empties into the New York Harbor. ... The St. Lawrence River runs east from Lake Ontario to the Atlantic Ocean. ... – PowerPoint PPT presentation

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Title: Risk


1
Risk Liability
2
Risks from wildlife plants
  • Mammals
  • Snakes
  • Insects
  • Fish
  • Plants

3
Activity-related risks
  • Dangerous terrain
  • Faulty equipment
  • Climate-related factors
  • Turbulent waters strong currents
  • Lack of experience or training
  • Inherent dangers of activity (assumed risk)

4
Risks from other individuals
  • Conflicts between users
  • Contamination of natural resources
  • Criminal activities

5
Negligence Liability
  • Negligence
  • The failure to implement reasonable precautions.
  • Can be through either omission or providing
    incorrect information.

6
Negligence Liability
  • Liability
  • Being responsible for a negligent act

7
Tort laws vs. criminal laws
  • Tort laws
  • Civil wrongs such as negligence trespass
  • Prosecution by plaintiff
  • More than 50 of evidence must support
    plaintiffs claim
  • Criminal laws
  • Criminal wrongs
  • Prosecution by law enforcement officials
  • Proof beyond a reasonable doubt required

8
Who can be sued?
  • Private land owners
  • Commercial land owners
  • Public agencies (sovereign immunity)
  • Anyone!!

9
Proving negligence
  • Defendant has a responsibility to plaintiff.
  • Plaintiff was harmed.
  • Defendant committed act of omission or provided
    incorrect information.
  • Harm done was directly related to defendants
    breach of duty.

10
Types of Users
  • Trespasser
  • Licensee
  • Invitee

11
Trespasser
  • Person enters property without permission from
    the owner.
  • Owner may be liable if
  • harm to trespasser is done maliciously
  • owner willfully did not eliminate known hazards
  • Trespasser can be evicted using reasonable
    force.

12
Licensee
  • Person has permission from land owner to use
    property but does not pay for use.
  • Owner must warn user of known hazards.
  • User assumes the risk for accidents inherent to
    that activity.

13
Invitee
  • Person pays a fee to use property.
  • Applies to many recreation businesses.
  • Manager must warn invitee of all hazards
    risks.
  • Manager must eliminate all hazards risks.

14
NYS General Obligation Law
  • Landowner has no duty to keep property safe for
    following uses by licensees trespassers
  • Hunting Trapping
  • Fishing Sledding
  • Canoeing Boating
  • Trapping Hiking
  • Cross-country skiing Caving
  • Biking Horseback riding
  • ATV snowmobile use Hang gliding
  • Gleaning Dog training

15
NYS General Obligation Law (continued)
  • Not applicable to backyards paved areas.
  • Landowner may be liable for willful or malicious
    failure to guard against a dangerous condition.
  • Applies to both posted and unposted properties.

16
So why post??
  • Posting enables the landowner to prosecute
    trespassers in court.

17
Posted vs. unposted
  • Posted or fenced property
  • User is required to ask for permission to use
    property.
  • User is a trespasser upon entry if permission is
    not granted
  • Unposted property
  • User does not legally have to ask permission.
  • User must leave upon landowners request.

18
Posting property in New York
  • Signs must be at least 11 inches square.
  • Signs must be posted no more than 660 feet
    apart.
  • One sign must be posted on each corner, and along
    each boundary side.
  • Sign must include owners name address.
  • Signs must be replaced annually.

19
Potential negligence
  • Imprudence of manager (reasonable person test)
  • Negligence of employees
  • Poor facility design
  • Lack of hazard warnings
  • Third person liability
  • Faulty equipment
  • Attractive nuisance

20
Attractive nuisance
  • A human-made object that attracts and is
    potentially dangerous to children.
  • Tree house vs. tree
  • Attractive nuisance must be properly sealed or
    concealed.
  • Injury must be sustained from the attractive
    nuisance itself
  • Pool vs. fence surrounding pool

21
Third party liability
  • One invitee harms another invitee but the
    landowner is sued.
  • Landowner is liable if a prudent manager could
    have prevented the harm.

22
Faulty equipment
Similarities in liability
  • Stolen equipment
  • Borrowed equipment
  • Rented equipment
  • Trespassing
  • Licensee
  • Invitee

23
Protection from liability
  • Employee safety training
  • Careful visitor management
  • Hazard warnings
  • Scheduled repair maintenance
  • Proper fitting use of equipment
  • Free admission
  • Incorporation
  • Risk analysis
  • Liability release forms (disclaimers)

24
Disclaimers
  • An invitee agrees to take responsibility for
    his/her own actions when manager states what the
    risks are.
  • Does not always hold up in court.

25
Conducting a risk analysis
  • Visually inspect recreational facilities
    property.
  • Identify risks associated with recreational
    activities.
  • Identify safety measures and regulations already
    in place.
  • Identify level of insurance coverage.
  • Assess risks vs. benefits for permitted
    activities.

26
Risk management plan
  • Includes
  • Name of person in charge of safety
  • Existing rules
  • Schedule for systematic inspections
  • Procedure for reporting and responding to
    emergencies
  • Assessment of insurance coverage

27
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