Member FAQs

1.   What is a Liability Hazard Survey?

One of our Risk Services Representatives will visit your entity. We will examine your facilities along with any applicable policies and procedures.  Our intent is to make you aware of any potential liability hazards. The representative will take photographs and make notes of the hazards.  Once complete, our representatives will compile the photographs and notes of the hazards in a report format. In the report, we will also recommend how to best handle the hazards found in the survey. The survey is intended to be a resource for our members.

2.   Are Liability Hazard Surveys performed on a schedule?

Generally, the answer is no.  We do not have an established timetable for conducting these surveys.  As there are a large number of NDIRF member entities, we are constantly conducting these surveys.

3.   Are we required to implement the recommendations in a Liability Hazard Survey Report?

In most cases, the recommendations to mitigate liability hazards are truly recommendations.  However, in rare instances, we may require a mitigation step(s) be implemented in order to continue membership in the NDIRF.  Remember that mitigating exposures reduces the likelihood of an accident.  It also helps to keep your contribution at a stable and affordable level.

4.   What is the criterion used for a Liability Hazard Survey?

There are many. In fact, there are too many to list.  Some are codified into law; others are considered the “industry standard” or the benchmark.  We also rely on our Representative’s many years of field experience.

5.   Can we ask for a “targeted” Survey?

Absolutely!  In fact, we welcome the opportunity to assist you in assessing your liability situation.

6.   Does NDIRF offer specialized training?

Some specialized training is available.  Our website contains a new training video each month.  We still maintain a video lending library that is free to our members.  In the past, we have taught sessions in Township Road Liability, Aquatics Liability, School Liability Hazards, and Defensive Driving Courses.

7.   What are the benefits of taking a Defensive Driving Course?

  • Attendees will gain a greater understanding of Defensive Driving.  
  • Attendees may be eligible for a discount on their personal automobile insurance.    
  • School bus drivers will satisfy their yearly training requirement for training.

8.   What are we required to do in order to hold a Defensive Driving Course?

Contact Mark Verke or Doug Griffin via email or by phone.  We’ll let you know what you need to provide (it’s not very much).

9.   I need a replacement certificate for attending a Defensive Driving Course.

These certificates are security encoded.  If you need a replacement certificate, contact Doug or Mark.  There is a $10 charge for replacement certificates.

10.    Do we offer technical assistance?

Yes and no.  In the past we have provided our member entities with technical assistance.  If it is something we have expertise in, we’ll gladly come out and give you hand.  Go ahead and contact our Risk Services representatives and ask them if they can assist you.  If we can’t, we probably know where you can get the help you need.

11.   Why do we have to fix/change it now? It’s been like that for years.

Things evolve over time.  Every year, new codes and standards are developed.  The world has also become a more litigious place.  What was once acceptable and maybe even met code at the time could now be outdated.

12.   Isn’t that “Grandfathered”?

At the time of installation, your item may have met industry standards and codes. As mentioned above, codes and standards change over time. Some things are required to meet current code and others are not.  However, just because you are not legally required to meet the current code, doesn’t mean that you shouldn’t strongly consider bringing it up to current code.