Risk Management

Club Sports encompass risks to the members that participate in them. For this reason, it is important that each club sport organization take as many precautions as possible when it comes to the safety of its members, opponents, and spectators. Preventative actions are necessary no matter what activity is taking place. All steps taken are important in that each precaution helps maintain the safety of all involved at club sport sponsored events.

Attention: The University of Missouri and MizzouRec is not responsible for any property loss, injury or costs associated with injury incurred by participants while involved in any club sport in the Mizzou Club Sports Program.

List of Requirements

  • Have updated Risk Management manual on file with the Club Sports Office
  • Have a designated Risk Manager officer position
  • Signed Hold Harmless and Anti-Hazing Agreements for all persons participating in club activities
    • This must be done prior to participation of any kind
    • All visiting clubs and individuals must sign the Visiting Hold Harmless prior to participation
  • Signed Athletic Training consent to treat form
  • Submit Accident/Incident reports for all injuries/incidents that take place during club events
  • Contact the Sports & Competition staff as soon as possible following a serious injury/incident
  • Have minimum of 2 members currently certified in First Aid and Adult CPR
    • All certifications must have an in-person skills component
  • Inspect fields and facilities prior to all sponsored events
  • Have club’s official roster which includes emergency contact for each club member present at all club sports sponsored events
  • Have a first aid kit present at all club sport sponsored events
    • All clubs are provided a first aid kit by Club Sports at their request.
    • It is the responsibility of the Risk Manager to work with the Sports & Competition staff to restock this kit when necessary.
  • Adhere to any directions given by the Sports & Competition staff especially in the case of severe weather and field conditions
  • Ensure that event attendees are aware of and abide by the no alcohol policy
  • Knowledge of AED locations in SRC, Stankowski Field House, and Tennis Complex next to Epple Field. (AED must be brought out for practices/events at Hinkson Field)

List of Recommended Precautions

  • Encourage all club members to have personal health insurance coverage
  • Student Health Insurance is available through the Student Health Center
    • 573-882-7481
    • Website
      • Note: Not all policies include coverage of Club Sports and Intramural participation. Additional coverage may be necessary.
  • The Mizzou Club Sports Federation can provide secondary insurance coverage for Club Sports student members.
    • The plans cover catastrophic injuries that occur during play or practice of a Club Sports game, contest or match. Participants are covered while traveling as defined in the applicable Basic and/or Catastrophic policy.
    • In the event of an injury, the Club Sports Insurance policy will cover expenses after the club member’s primary insurance has paid. The secondary policy has a $1000 deductible for the Basic accident insurance. The $1000 may be paid by the individual or by the primary insurance carrier. Catastrophic insurance covers incidents over $30,000.
    • Basic Accident Medical Insurance Plan Highlights
      • A Medical/Dental benefit of $30,000 per person per covered accidental injury. Benefits are payable for covered expenses which exceed the deductible and/or for expenses not recoverable from any other insurance policy, service contractor worker’s compensation coverage. Benefits are payable for expenses incurred within TWO years from the date of injury.
    • Catastrophic Injury Insurance Plan Highlights: A Covered Accident Deductible (as selected by school), for medical, dental or rehabilitation expenses which must be incurred within TWO years from the date of injury. $10,000 Accidental Death & Dismemberment Benefit. Benefits are payable for covered expenses which exceed the deductible and/or for expenses not recoverable from any other valid and collectible insurance or similar benefit program. Additional Benefits for Total Disability.
      • Club member must have a primary insurance provider for the MCSF secondary insurance coverage to take effect.
  • Check to see if associated national governing body offers supplemental accident and liability insurance
  • Club Sports using Recreation Services and Facilities indoor and outdoor facilities will follow the MizzouRec Emergency Action Plan (EAP) when implemented by Facility and Sports & Competition staff
  • Club members should remain calm, follow instructions, act quickly and assist others in need when following the EAP
  • Each member of Team Mizzou (MizzouRec Services student employees) has a role in following the EAP and will guide patrons to the correct assembly point via the safest and quickest way possible
  • Every club sport is encouraged to have an Emergency Action Plan.
  • All Emergency Action Plans should be reviewed and updated once per year, generally in the Fall academic semester (Also known as Risk Management Manual)
  • All club members should be familiar with the contents of their specific EAP
  • Emergency Actions Plans should be able to answer questions such as:
    • What happens if there is an accident during club travel?
    • What happens if there is a minor injury: shallow lacerations, bruises, etc.?
    • What happens is there is a major injury: broken bone, head or breathing injury, etc.
    • What happens if a severe weather warning is issued?
  • Suggested items to include are:
    • Emergency Contact Phone Numbers
    • Evacuation Plans
    • Location(s) of nearest first aid kits, AEDs, fire extinguishers, hospitals, etc.
Campus and Area Contacts
  • All club members and potential members are required to sign and submit Hold Harmless Forms and Anti-Hazing Pledges prior to participating in club sport sponsored tryouts, practices, and events
  • The terms of both the Hold Harmless and Anti-Hazing Pledge must be signed and submitted at least once per academic year
  • All club members and potential members are required to sign and submit Hold Harmless Forms and Anti-Hazing Pledges prior to participating in club sport sponsored tryouts, practices, and events
  • The terms of both the Athletic Trainer Consent to Treat must be signed and submitted at least once per academic year

Club Sports participants seeking Athletic Training services must complete their HealthyRoster portal profile. Participants will be sent a link to complete the profile within a few days of having their Hold Harmless on Engage approved.

Accident/Incident Reports

  • For liability purposes for the University as well as club members, accident and incident reports must be submitted to the Club Sports Office following all injuries and incidents
  • Reports are due into through the online Accident Report within 24 hours of the accident
  • If Sports & Competition Leads/Frontlines are present, please notify them and they will complete the report
  • If accident/incident occurs off-campus, an Accident Report must be filled out prior to seeking treatment
  • Contact the Athletic Trainer on site if applicable
  • Provide First Aid/CPR to injured person(s) if certified
  • If an emergency, have someone contact 911. Do not hesitate to contact 911 if needed.
  • Contact the Sports & Competition staff as soon as possible if 911 is contacted
  • Complete an online Accident Report
  • Report theft, vandalism and violence to the local police department or, if on the MU campus, make a report to the MUPD. Typically, Incident Reports will be used for anything other than an injury.
  • Should club members, opponents, spectators or others engage in a physical altercation, do not attempt to intervene. Call police if necessary.
    • Attempting to separate individuals could lead to further harm. Personal safety should always come first.
  • If an emergency and/or in all instances of the police being contacted, contact the Assistant Director for Sports & Competition as soon as possible
  • Complete Incident Report Form for all instances of theft, vandalism, violence, unsafe facilities, etc. and submit to the Club Sports Office by the end of the next business day
  • If out of town, submit by the end of the next business day after returning to Columbia
  • All club sport organizations must make the Sports & Competition staff aware of all serious injuries and/or incidents especially when any club members, opponents, and/or spectators are sent to the hospital or whenever the police have been called in to assist immediately
  • If Sports & Competition student staff are present, they will communicate to the Club Sports professional staff
  • It is the responsibility of the Risk Manager to communicate any serious incidents/accidents to the Sports & Competition staff. In the event the Risk Manager is not available, it is the responsibility of the President to communicate.
  • At least 2 clubs member must be certified at all times
    • All Risk Managers must have an approved certification
  • At least 1 certified member must be present at club sport sponsored events
  • Copies of certification card must be on file in the Club Sports Office
  • All CPR/FA/AED certifications must have an in-person skills component
  • No practice or events will be approved if proof if 2 certifications are not on file by the deadline given to report these certifications
  • Fields and facilities must be inspected prior to every club sport sponsored event
  • Hazards should be reported to the Sports & Competition staff member present, or if off campus or out of town, the area facilities manager
  • Every club sport is required to have all club members’ emergency contact information available at all club sports sponsored event
  • All information should be kept with club officers only and should not be given out to anyone except necessary medical staff, police officers and Sports & Competition staff
  • This responsibility falls to the Risk Manager to collect, and store
  • Every club sport may be provided a first aid kit at their request
  • At the end of each spring semester, all first aid kits must be returned to the Club Sports Office so they can be stored and restocked
  • Club officers can come to the Club Sports Office during open office hours throughout the semester to restock as needed
  • Should first aid kits be needed during the summer or during the Winter break, the club sport organization will need to make arrangements with the Club Sports Office to pick one up