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Soccer Insurance
101
California Youth Soccer Association - North
Cal North – Nevada Soccer Expo 2013April 13, 2013
Insurance Program Overview Current Hot Topic Risk Management Issues Questions
Objectives
General Liability Excess Liability Accident Medical Insurance Crime Insurance Other Insurance
Insurance Program Overview
General Liability
Bodily Injury & Property Damage Liability
Athletic Participant Liability ClaimsParticipant 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
General Liability: What is Covered?
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 Also Covers
The State Soccer Association Its member districts, leagues, clubs, teams,
players, coaches, referees, sponsors, directors & officers, officials, employees, and volunteers
GL Policy: Who is Insured?
GL Policy: What is covered?
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
Sanctioned Activities of the State Association including:
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
GL: Limits of Liability
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
Additional Insureds - Types
Employment Related Practices Intentional acts Liability to pay Workers Compensation Liquor Liability Electronic Data Auto Fireworks
Notable GL Exclusions
Excess Liability
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
Excess Liability - Umbrella
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 Medical Insurance
$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
Accident Policy Benefits
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
Examples of Covered Expenses
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 Exclusions
Coverage for repetitive motion claims (hernia)
Coverage for heat exhaustion claims No required usage of HMO or similar plan
rules for payment consideration
Accident Policy Enhancements
Traditional vs. Self Insurance Use of Aggregate (self-insured)
Deductibles Online medical claims reporting feature
Accident Medical Plan Design
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 Insurance
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
Crime Risk Management Controls
Other Insurance
D&O Cyber Liability Property/Inland Marine Building Business Personal Property Sports Equipment Camp Insurance Event Cancellation
Other Insurance
Portable Goal Post SafetySexual Abuse Molestation Prevention
ConcussionLarge Losses
Current Risk Management Hot Topics
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)
Portable Goal Post Safety
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.
Sexual Abuse Molestation Prevention
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
Concussions
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
Large Losses
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) 738-6100Email: [email protected]
Questions?