Pre-Trip Safety Protocols and Their Importance 
Embarking on an outdoor adventure is exhilarating, but it comes with inherent risks. Implementing pre-trip safety protocols is essential to mitigate these risks and ensure a safe, enjoyable experience for all participants. Below, we explore the significance of these protocols and share best practices for operators and participants. 
 
How to Reduce the Cost of Your Insurance 
A common question among operators is: How can I lower my insurance costs? While immediate reductions can be achieved through higher deductibles, lower limits, or self-insuring, the most sustainable way to manage costs is to minimize claims. In the outdoor industry, claims tend to follow a low-frequency, high-severity risk model, making it essential to prioritize best practices that reduce incidents. 
 
Best Practices for Reducing Claims 
Even the most diligent operators cannot eliminate claims entirely. However, a consistent commitment to best practices helps build a narrative that demonstrates an organization’s proactive risk management. Over the past decade, common themes in claims data include: 
 
	- Miscommunications about trip details: Participants not being informed about inherent risks, appropriate commands, or basic requirements like footwear. 
 
 
	- Guide responsiveness: Failure of guides to instinctively respond when incidents occur. 
 
 
Despite these challenges, many operators already implement exceptional pre-trip plans. Remarkably, 65% of incidents close with minimal or no payment, underscoring the effectiveness of solid risk management practices. 
 
Why Should I Have a Plan in Place? 
	- Ensures participant safety and preparedness. 
 
 
	- Creates a positive experience for everyone involved. 
 
 
Key components of an effective plan include: 
1. Guide Training and Equipment Maintenance 
 
	- Guide Training: Regular certifications in first aid, wilderness first responder (WFR) courses, and critical incident protocols. 
 
 
	- Equipment Maintenance: Routine inspections to ensure equipment reliability and safety. 
 
 
2. Reviewing the Itinerary 
 
	- Provide participants with opportunities to ask questions or opt out if they feel unprepared. 
 
 
	- Highlight trip details, challenging sections, and potential hazards. 
 
 
3. Environmental Awareness 
 
	- Address weather conditions and necessary adaptations (e.g., wildfire safety or cold weather preparedness). 
 
 
	- Discuss terrain challenges and hiking considerations. 
 
 
4. Safety Protocols for Staff 
 
	- Develop written emergency procedures, including emergency contact numbers. 
 
 
	- Establish clear communication plans with check-in times and incident reporting protocols. 
 
 
5. Equipment Checks for Participants 
 
	- Inspect all gear and teach participants how to use safety tools like first aid kits and AEDs. 
 
 
	- Conduct hands-on demonstrations where feasible. 
 
 
6. Group Dynamics and Communication 
 
	- Stress the importance of staying together as a group and using effective communication. 
 
 
	- Encourage participants to voice concerns or needs during the trip. 
 
 
Harassment: Risk Management Strategies 
Creating a safe and supportive environment for employees is paramount. Managing the risk of harassment requires a proactive and comprehensive approach. 
 
1. Develop a Clear Policy 
 
	- Define harassment, outline consequences, and detail reporting procedures. 
 
 
	- Ensure compliance with local laws and revisit guidelines regularly. 
 
 
2. Training and Education 
 
	- Provide mandatory training for all employees, including management, on recognizing and preventing harassment. 
 
 
	- Offer regular refresher courses to keep the information relevant. 
 
 
3. Establish Reporting Mechanisms 
 
	- Create accessible reporting options, including the ability to report anonymously. 
 
 
	- Ensure the process is straightforward and well-publicized. 
 
 
4. Foster a Culture of Respect 
 
	- Promote inclusivity and open dialogue about harassment prevention. 
 
 
	- Make it clear that inappropriate behavior will not be tolerated. 
 
 
	- Leaders must model appropriate behavior, take harassment claims seriously, and actively promote a harassment-free environment. 
 
 
6. Immediate Action in Response to Allegations 
 
	- Act quickly to remove the accused from contact with potential victims. 
 
 
	- Document all allegations, witness statements, and investigative actions. 
 
 
	- Seek legal advice to ensure compliance with reporting laws. 
 
 
	- Provide counseling and advocacy services for victims as needed. 
 
 
Final Thoughts 
By implementing these pre-trip safety protocols and risk management strategies, operators can enhance participant safety, reduce risks, and foster a respectful workplace. These measures not only benefit the organization but also contribute to a positive reputation in the outdoor adventure industry. 
This article was provided by Leslie Frazee, Program Manager for the CBIZ Adventure Sports Insurance Program, the longest-running program in the CBIZ National Programs Division. With 29 years of experience at Sattler Insurance and CBIZ, Leslie leads a team that provides customized insurance solutions to Outfitters and Guides across the United States. Contact Leslie at lfrazee@cbizsattler.com.