Cal North Insurance Program

Presented by Dr. Pete Zopfi League Presidents Workshop April 14, 2012

Overview

       Soccer Goal Claims & Prevention Automatic Coverage with Membership Optional Coverage Available Cal North Team Manual – Great Resource General Risk Management Ideas The Accident Claims Process Questions

Goal Safety (Page 68 of Team Manual)

Claims      More than 250,000 soccer goals in the U.S.

Few believe the wind will blow a heavy goal over – until they see it happen.

Kids like to climb – soccer goals are an inviting target Soccer goals should not be used as a chin-up bar The net is a strangulation hazard for small children Prevention     Who’s in charge? Designate authority(ies) Who can move goals? Only adults, ideally. What is a properly anchored goal? Several anchoring systems in the field out there. Make sure you are not cutting corners.

Adjacent fields – Are those goals your responsibility? those goals.

Automatic Benefits of Membership

 General Liability Pays for claims arising out of bodily injury and property damage includes providing a legal defense for Cal North and its members  Excess Accident Pays medical bills on an excess basis (after primary insurance) incurred by members of Cal North while participating in sanctioned activities.

General Liability Limits and Coverage Highlights

      $2,000,000 Per Occurrence $6,000,000 Aggregate Per Team Participant Legal Liability (suit from a player) Included No Deductible Host Liquor Liability included for Events/Banquets Carrier: Philadelphia Insurance Co.

Accident Policy Limits

    $300,000 Accident/Dental Maximum $10,000 Accidental Death & Dismemberment Benefit $250 Deductible Per Claim $2,000 Maximum/$50 Per Visit for Physical Therapy/Chiropractic   3-Year Benefit Period Carrier: Chartis

Key Optional Coverages

   Directors & Officers / Employment Practices Liability Crime Insurance Offered as a package through the Chubb Group of Insurance Companies

D&O and EPLI Examples

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Acts Beyond the Authority of the Organization (Directors & Officers)

Your organization may be sued for making decisions about what players or coaches can and cannot do as members of the organization. Even when these decisions are simply the enforcement of organization rules or regulations, a lawsuit may still be filed.

 

Discrimination (Employment Practices Liability)

Lawsuits can arise when your organization chooses one coach instead of another coach, or when your organization chooses which players play on which teams, especially in the case of national teams or all-star teams.

D&O/EPLI Enhancement

Unlike a corporate D&O/EPLI policy, our policies with Chubb cover everyone in the organization for these types of claims, not just the board or the corporate office. While the board for a league does make some decisions, many decisions are made at the coach level. Our policies protect, directors, coaches, managers and even volunteers.

D&O and EPLI Standard Limits

• Policy limit is $1,000,000 per claim with an annual premium of $385 or $2,000,000 per claim with an annual premium of $770.

• Deductible: $0 per claim

Crime Insurance

What types of claims are covered?

Typical Crime insurance claims allege employee dishonesty, embezzlement, forgery, robbery, safe burglary, counterfeiting and other criminal acts. Claims usually fall into two types of categories: Theft (Inside/Outside): Pays for money and securities taken by burglary, robbery, theft, disappearance and destruction. The crime can take place on your premises (inside) or away from your property (outside) at a bank or at a fundraiser, for example. Employee dishonesty coverage: Pays for losses caused by dishonest acts of your employees or volunteers, such as embezzlement, forgery or theft.

Crime Insurance Limits

 Employee/Volunteer Dishonesty $25,000 limit per loss     Theft (Inside/Outside)$10,000 limit per loss Depositor’s Forgery Coverage$10,000 limit per loss Deductible $250 per claim Premium: $175

Available on-line at www.bollingersoccer.com

 $1,000,000 of D&O/EPLI: $385  $2,000,000 of D&O/EPLI: $770  $1Mil of D&O/EPLI & Crime: $500  $2MIL of D&O/EPLI & Crime: $885

Equipment Insurance

also available at www.bollingersoccer.com

      Goals, balls, uniforms, most of your “stuff” that is not permanently installed.

Losses, including fire and theft. Damage to equipment permanently kept at the athletic field. Vandalism of league equipment. Full replacement cost value of each piece of equipment (subject to policy limits). Does not cover “wear and tear.”

Equipment Insurance – The Cost

   Amount x Rate = Premium $62,000 x .0158 = $980 $100 Minimum Premium

Risk Management: The Key to a Healthy Program

       Be Positive Know Procedures Follow Procedures Goal Safety Lightning Safety Inspect the Field Concussion Guidelines     Err on the Side of Caution Remain Calm Avoid Unhealthy Situations Document “Serious” Incidents  Keep Good Records

Refer to Your Team Manual

Insurance Program: Pages 18 &19 Risk Management: Pages 65 - 71

Accident Claims Process

     Youth Soccer Case Report must be filled out and sent to Cal North office.

Cal North will approve the claim, and then send the Accident Claim Form (Proof of Loss) to the family of injured player.

The completed Accident Claim form goes to Cal North office for approval signature.

Cal North forwards the approved claim form (and any initial bills, EOB, etc.) to Bollinger’s Claims Dept.

Bollinger processes the claim directly with the claimant’s family from that point forward.

Questions

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Thank You!