This manual is designed to educate human service agency management personnel involved in transportation about basic risk management principles and insurance issues. Chapter I illustrates the liability factors that create the insurance and risk management needs. Both legal and humanitarian obligations of human service agencies involved in transporting clients are discussed. Chapter II presents the basic vocabulary and concepts used by risk managers. Other topics are risk evaluation by the insurance industry and management control of losses. Chapter III examines the legal duties of the agency, the risk manager, and the driver(s); and agency liability and responsibility. Chapter IV discusses risk management objectives of concern to various agencies. In chapter V, the identification of risk areas to be managed is addressed. Chapter VI focuses on measuring the potential impact of a loss due to a risk. Chapter VII identifies various strategies that can be used to eliminate, assume, or transfer a risk. Chapter VIII provides information to make the risk manager an effective procurer of insurance for human service agencies. Provision for evaluation and feedback of risk management programs is discussed in chapter IX. Appendixes include information on a safety meeting; an accident review form; a request for insurance quote; and sample agency, driver, volunteer, vehicle, passenger, safety program, and supervision program profiles. (YLB)