1. Soccer Insurance 101 California Youth Soccer Association - North Cal North – Nevada Soccer Expo 2013 April 13, 2013

2.  Insurance Program Overview  Current Hot Topic Risk Management Issues  Questions Objectives

3.  General Liability  Excess Liability  Accident Medical Insurance  Crime Insurance  Other Insurance Insurance Program Overview

4. General Liability

5. 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?

6. 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

7.  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?

8. 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:

9. 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

10.  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

11.  Employment Related Practices  Intentional acts  Liability to pay Workers Compensation  Liquor Liability  Electronic Data  Auto  Fireworks Notable GL Exclusions

12. Excess Liability

13. 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

14. Accident Medical Insurance

15.  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

16.  $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

17. 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

18.  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

19.  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

20.  Traditional vs. Self Insurance  Use of Aggregate (self-insured) Deductibles  Online medical claims reporting feature Accident Medical Plan Design

21. Crime Insurance

22. 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

23.  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

24. Other Insurance

25.  D&O  Cyber Liability  Property/Inland Marine  Building  Business Personal Property  Sports Equipment  Camp Insurance  Event Cancellation Other Insurance

26. Portable Goal Post Safety Sexual Abuse Molestation Prevention Concussion Large Losses Current Risk Management Hot Topics

27. Portable Goal Post Safety

28.  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

29. Sexual Abuse Molestation Prevention

30.  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

31. Concussions

32.  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

33. Large Losses

34. 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

35. Top 20 Most Expensive Claims – Sexual Misconduct #3 - $1,374,849 #5 - $769,645 #10 - $530,000 $19 - $140,000 Large Losses

36. 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: ppullen@pullenins.com dpullen@pullenins.com Questions?