Transcript CYSA North
Soccer
Insurance 101
California Youth Soccer Association - North
Cal North – Nevada Soccer Expo 2013
April 13, 2013
Objectives
Insurance Program Overview
Current Hot Topic Risk Management Issues
Questions
Insurance Program Overview
General Liability
Excess Liability
Accident Medical Insurance
Crime Insurance
Other Insurance
General Liability
General Liability: What is Covered?
Bodily Injury & Property Damage Liability
Athletic Participant Liability Claims
Participant includes soccer players not registered with insured
who participates in a sanctioned activity of the state association
Business Invitee Claims/Spectator Claims
Hired/Non-Owned Auto Liability
Damage To Premises Rented by You
Products Liability Claims
Sexual Abuse/Molestation Claims
Mobile equipment / land vehicle
Worldwide Coverage, if suit brought in US, Puerto Rico or Canada
GL Policy Also Covers
Personal & Advertising Injury Claims
Written or Oral publication of material that slanders
or libels a person or organization
False arrest, detention
Use of another’s advertising idea in your
advertisement
Copyright infringement
GL Policy: Who is Insured?
The State Soccer Association
Its member districts, leagues, clubs, teams, players,
coaches, referees, sponsors, directors & officers,
officials, employees, and volunteers
GL Policy: What is covered?
Sanctioned Activities of the State Association including:
Practices
Tryouts
Clinics
Operation of concession
stands
Games
Tournaments
24/7 coverage for fields owned
by its members
Fund-raising drives
Parades which teams
participate
Picnics
Award banquets & ceremonies
24/7 coverage for fields leased
by its members under a lease
of premises agreement
GL: Limits of Liability
General Liability Policy
Each Occurrence Limit - $1,000,000
General Aggregate Limit –Unlimited
Sexual Abuse/Molestation - $1,000,000 per person
with a $2,000,000 aggregate limit
Defense costs – Outside the limit of liability
(unlimited)
Hired/Non-Owned Liability - $1,000,000 each
accident
Additional Insureds - Types
Owners/Lessors of Premises
Sole negligence of field owner
Co-Promoters
Sponsors
Lessors of leased
Equipment
Certificate of insurance:
Cal North processes requests using our Cert on Demand
automated system
Notable GL Exclusions
Employment Related Practices
Intentional acts
Liability to pay Workers Compensation
Liquor Liability
Electronic Data
Auto
Fireworks
Excess Liability
Excess Liability - Umbrella
Excess/Umbrella Policy Limits
Each Occurrence Limit – $1,000,000
Aggregate Limit – Unlimited unless underlying has
an aggregate
Deductible or Self-Insured Retention
Follow-form coverage
Accident Medical Insurance
Accident Medical Insurance
What is provided? Covers Medical Expenses to
insured participants who are injured during a
sanctioned and supervised activity
Who is Insured? Registered team members, coaches,
managers, referees, officials and volunteers
What is a Covered Activity? Scheduled practices,
games, organized GROUP travel or other sponsored
activities under the direct supervision of a team
official
Accident Policy Benefits
$300,000 Maximum per injury
$500 Deductible per injury
3-Year benefit period
Excess coverage: Means policy pays after any other
applicable insurance benefits are paid; if no other
insurance, this policy pays Primary
$10,000 Accidental Death & Dismemberment Benefit
(Deductible does not apply)
Physical Therapy - $50 per visit/$2,000 max
Examples of Covered Expenses
Accident Policy covers the Reasonable and Customary
charges for local treatment, services, and supplies:
Hospital / Physicians Charges
X-Rays & Lab Exams
Rx Drugs & Supplies
Therapeutic Services (i.e. Physical Therapy)
Dental Treatment (injury to natural teeth)
Ambulance services
Accident Policy Exclusions
Intentionally Self Inflicted Injury
Air Travel (except as a fare-paying passenger)
Losses from sickness or disease, unless a bacterial
infection from a wound
Losses incurred as a result of being intoxicated or
under influence of narcotics (except when taken as
prescribed by a physician)
Individual travel: Parent transporting child to or from
a game or practice
Accident Policy Enhancements
Coverage for repetitive motion claims (hernia)
Coverage for heat exhaustion claims
No required usage of HMO or similar plan rules for
payment consideration
Accident Medical Plan Design
Traditional vs. Self Insurance
Use of Aggregate (self-insured) Deductibles
Online medical claims reporting feature
Crime Insurance
Crime Insurance
Protects Cal North and its member districts from loss
of money and financial instruments by Employees or
Volunteers
Loss by Theft &Embezzlement
$100,000 Limit per Occurrence
Each occurrence subject to a $2,500 deductible
Crime Risk Management Controls
Bank statements reconciled monthly by someone
other than a person authorized to sign checks, make
deposits/withdrawals
Check writing and depositing responsibilities should
be divided
Other Insurance
Other Insurance
D&O
Cyber Liability
Property/Inland Marine
Building
Business Personal Property
Sports Equipment
Camp Insurance
Event Cancellation
Current Risk Management Hot
Topics
Portable Goal Post Safety
Sexual Abuse Molestation Prevention
Concussion
Large Losses
Portable Goal Post Safety
Portable Goal Post Safety
Educate Coaches, Players & Parents
Inspect AND Re-inspect
Follow Manufacturer’s Anchoring Guidelines
Proper Supervision (No Horseplay)
Know And Document Who Owns the Goal
Consumer Products Safety Commission
(cpsc.gov)
Sexual Abuse Molestation
Prevention
Sexual Abuse Molestation
Prevention
90% of abuse victims know and trust the abuser
Promote professional boundaries between adults and
youths whether by text, cell phone, or email
Educate parents and coaches about signs of
grooming and empower them to recognize the “red
flags”
All activities should be group activities (never one on
one)
Background checks are not a silver bullet, however,
are required for coaches and other individuals who
have children under their care.
Concussions
Concussions
Know signs / symptoms
Remove from play and seek medical attention
Inform parents of possible concussion
Do not allow player to return to activities until
permitted by a qualified medical professional
Educate coaches, players and parents
http://www.cdc.gov/concussion
Large Losses
Large Losses
Top 20 Most Expensive Claims – Goal Post
#2 - $2,400,000
#4 - $1,000,000
#7 - $640,000
$8 - $570,000
#14 - $253,000
#18 - $158,000
#20 - $120,000
Large Losses
Top 20 Most Expensive Claims – Sexual Misconduct
#3 - $1,374,849
#5 - $769,645
#10 - $530,000
$19 - $140,000
Questions?
Feel free to contact me if you have any questions
regarding your insurance benefits under the California
Youth Soccer Association – North’s insurance policies
Phone: (817) 738-6100
Email: [email protected]
[email protected]