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]