Soccer Insurance 101 California Youth Soccer Association - North Cal North – Nevada Soccer Expo 2013 April 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 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 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 Safety Sexual Abuse Molestation Prevention Concussion Large 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  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  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) Questions?