Transcript Insured - Ontario Soccer Association

Club Development
Guide To Risk Management
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Entertainment Practice Profile
S Established broker for Canadian Sports Insurance
S Dedicated Practice Area
S Areas of specialization:
• Sports Associations
• Sports Leagues
• Sports Facilities
• Directors & Officers
• Loss Control/ Risk Management
• Errors & Omissions Insurance
• Contract Reviews
OSA PROGRAM OVERVIEW
S Insurance Program in place for OSA Districts and their
members
- Liability Insurance Coverage
- Accident Insurance Coverage
General Liability Coverage
S INSURER:
Sovereign General Insurance Company
through K&K Insurance Group
S TERM:
October 1, 2010 to October 1, 2011
S TERRITORY:
Worldwide subject to Suits brought in
North America
Liability Insurance – Coverage Overview
Coverage designed to protect against lawsuits from
individuals alleging that the sports organization
and/or its members have negligently caused "bodily
injury" to a player or spectator.
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- Policy also covers other types of lawsuits such as "property damage",
"personal injury" (libel & slander) and Non Owned Automobile liability.
General Liability Overview
Who is considered an ‘Insured’ under this policy?
S Association itself
S Members registered in good standing with the OSA, but only while
participating in activities sanctioned by the OSA.
S Referees,
S Coaches,
S Managers,
S Administrators and volunteer workers, but only for acts within the
scope of duties performed on behalf of the OSA.
General Liability Coverage
What activities are covered under this policy?
OSA sanctioned…
S Games/ Practices/ Try-outs
S Leagues
S Tournaments,
S Camps and clinics.
S Coverage also includes training and development of OSA
sanctioned referees
General Liability Coverage
Non Field Related Activities covered;
S Team rentals of gyms, indoor facilities, field permits
related to a function of the team or association
S Registration booths in malls/gyms, etc.
S Dances - sanctioned only
General Liability Coverage
Activities not covered;
S Fundraising Activities – solution to follow!
S Non OSA sanctioned activities
S Higher risk fundraising activities involving amusement devices,
animals, or motor sports
S Events involving fireworks
S If a club/district owns, or is contractually responsible under a long
term lease of a facility (Dome/ Gym, for example)
S Offices owned by OSA Districts – Solution to follow!
General Liability Coverage
Process for obtaining certificates of insurance;
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Complete a “Certificate of Insurance Request Form” – obtained
from OSA or OSA Website..
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Upon completion, forward the form to your district.
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The district will then email the form to HKMB HUB
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HKMB HUB will process Certificate requests within 24 hours and
email the Certificate back to the district, which, in turn, will email
it to the requesting club.
Alcohol Liability
S No exclusion on policy for defense of liquor related claims.
Note: if your event includes the sale/distribution of alcohol you
will need prior approval/sanctioning from the OSA in order for
the coverage to extend.
NOT SANCTIONED – NOT COVERED!
ACCIDENT (AD&D) INSURANCE
PROGRAM OVERVIEW
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ACCIDENT INSURANCE
PROGRAM OVERVIEW
S INSURER:
Chartis Insurance Company of Canada
S TERM:
October 1, 2010 to October 1, 2011
S TERRITORY: Worldwide
(NOTE: THIS IS NOT A TRAVEL ACCIDENT POLICY!)
Accident Insurance; Overview
S Accident Insurance provides protection in the event of a
sudden, unforeseen and unexpected event causing bodily injury
or loss.
S Applies while participating in covered activities sponsored and
supervised by the policyholder.
S Covered activities means: participating in a sanctioned practice
or competition in the sport under the supervision and direction
of the Policyholder.
S Coverage also applies while traveling as a team immediately to
and from such activities.
Accident Insurance
When are considered ‘covered’ under this program?
Participants are covered during sponsored and supervised
activities of the OSA….
… such as
Games,
Practices,
Tournaments
and other sponsored activities.
Accident Insurance
When does this coverage respond?
S When accidental bodily injury results in a covered loss
S Not first payor for Accident Medical expenses
S Coverage responds as "excess”
S Requires all other collectable insurance (such as parent's health
insurance) to respond first before the "excess" Medical Accident
policy will pay any benefits.
Accident Insurance
Medical Services Defined
Means the costs for:
S drugs, medicines,
S medically necessary treatment by S diagnostic tests and x-rays,
a physician or
dentist,
S hospital room and board,
S use of an ambulance,
S dental work to sound natural
teeth,
S treatment performed by licensed
medical professional (if
hospitalization would have
otherwise been required),
S rental of durable medical
equipment like wheel chairs or
hospital beds, prosthetic
appliances, orthopedic appliances
or braces.
Accident Insurance
What Medical Services are not covered?
Excess Accidental Medical Expense does not apply to the following charges and services:
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for which the Insured Person has no obligation to pay;
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for eyeglasses, contact lenses and other vision or hearing aids;
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for any injury for which Worker’s Compensation benefits or occupational
injury benefits are payable;
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for treatment by a person employed or retained by the Policyholder;
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for any injury occurring while fighting, except in self defense;
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for treatment required for conditions caused by repetitive motion injuries
and not as a result of an Accident, including but not limited to: OsgoodSchlatter’s Disease, bursitis, chondromalacia, shin splints, and tendonitis.
Accident Insurance
S How do I submit a claim under this policy?
S Claim forms with instructions for completing and submitting is
located on the HKMB/OSA website (www.hkmb.com/osa).
S Claims under this policy can be submitted by completing:
 Accident Medical Expense Claim Form, Insured’s Statement
 Attending Physician’s Statement (available on website if not
obtained through your Physician)
 Club Official Statement
Accident Insurance
ACCIDENT CLAIM – REPORTING PROCEDURE
Ensure all items are complete on your claim form.
Attach copies of fully itemized medical bills and copies of the Explanation of
Benefits from the primary insurance carrier.
Have the “Attending Physicians Statement” and “Club Official Statement”
completed.
Upon completion of the validation, the player will send the original forms and
attachments to:
Chartis Insurance Company of Canada
145 Wellington Street West
Toronto, ON M5J 1H8
ALWAYS KEEP A COPY FOR YOUR RECORDS!
Travel Insurance Overview
S When traveling out of country, only a fraction of medical
expenses resulting from an emergency accident or illness would
be covered by OHIP and Chartis Insurance program.
Pre-existing conditions are not covered by Chartis Insurance
program.
S Out-of-Country Travel Insurance is advised for each and every
trip.
S Please visit the website www.hkmb.com/osa to purchase
individual or team coverage while out of Ontario.
S At a preferred OSA team rate of $2.68 per day, each traveler
will be covered for $5,000,000, 24 hours per day, with no
deductibles.
Travel Insurance - Benefits
S Covers injury or sickness requiring emergency
hospital confinement or emergency medical
treatment while traveling outside your province or
territory of ordinary residence in Canada.
S Applicant must be a resident of Canada, and insured
and/or eligible for benefits under the Government
Health Care Plan of the province or territory in
which the applicant resides.
Clubcombo Insurance Program
Program provides:
Office and Directors and Officers Insurance coverage for Leagues,
Clubs, Districts (Office Only) that are sanctioned members of the
Ontario Soccer Association.
S Coverage can only be purchased online – benefits include –
credit card payment, wordings sent to purchaser’s e-mail
instantly
S Minimum annual premiums on stand alone office coverage start
at $550 combined office/D&O coverage minimum premium is
just $900!
Clubcombo; Office
Clubcombo Office Policy provides coverage for..
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Office contents (tables, chairs, equipment etc.) and tenant improvements
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Extensions include computer coverage, business interruption including extra
expense, professional fees, and valuable papers & many more!.
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Covers Fundraising Activities such as car washes, ticket sales, bingo ticket sales,
auctions etc.
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Also provides liability coverage if your club is held legally liable for an injury
sustained by a third party visiting your office space Your landlord my require
confirmation of this coverage as part of your lease agreement.
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Office location can be a standard office space or office (for club) in a home
location.
Clubcombo; Office coverage
options
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Provides 3 options of office property coverage
A
B
Contents of Every Description
$10,000
$25,000
Computer (Hardware/Software
$10,000
$25,000
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C
$50,000
$50,000
Broad extensions applicable to each of the above options per below
Business Interruption
$10,000
Fire Department Service Charges
$10,000
Accounts Receivable
$10,000
Fire Equipment Recharge
$5,000
Valuable Papers
Professional Fees
$10,000
$5,000
Glass
Included
Fine Arts
$5 ,000
Miscellaneous Property Floater $5,000
Extra Expense
$10,000
Money & Securities – Inside
Money & Securities- Outside
$2,500
$2,500
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Program has flexibility to add additional limits (such as Employee Dishonesty Crime Coverage, Peak Season Property
Endorsement Coverage etc.) and increase limits above if required.
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$2,000,000 General Liability (fundraising – as defined & office) included for the above
www.hkmb.com/clubcombo
THANK YOU.. QUESTIONS??
Alan Hollingsworth
Partner & VP – HKMB Hub International
416-597-4628
[email protected]