Crime and Equipment Policies for Sports Organizations

Source: sadlersports.com - Crime and Equipment Policies for Sports Organizations
Author: John M. Sadler

The difference is important

Some administrators who make the insurance purchasing decisions for sports organizations are confused over the difference between Crime Insurance and Equipment Insurance.  They mistakenly believe that theft of equipment by outsiders or vandalism of equipment is a crime covered by a Crime Policy.  This is not correct.

Here is an easy way to distinguish between the two policies:

Equipment Insurance = Loss of sports equipment due to fire, wind, vandalism, theft, etc.

Crime Insurance = Employee/Volunteer theft of equipment or embezzlement of funds.

Of course, the above explanation is an over simplification, but it is an easy way to understand the main differences between the two policies.

Read Full Story: http://www.sadlersports.com/blog/the-difference-between-crime-and-equipment-insurance-for-sports-organizations/

Medical Emergencies in Youth Sports

Source: sadlersports.com - Medical Emergencies in Youth Sports
Author: John M. Sadler

CPR and first aid training for coaches is critical

Sadler Sports and Recreation Insurance has always been a strong advocate of youth sports coaches and volunteers receiving first aid and emergency training. Injuries and medical emergencies can occur anywhere, at anytime to anyone, especially in a sporting environment. Coaches and other adults in attendance during practices and play have to be able to respond in such cases. Unfortunately, only 40 percent of youth coaches have any safety training, according to a 2012 SafeKids Worldwide survey.

There’s really no excuse for such lack of training because certification classes in first aid and CPR are offered in every community for free or very little cost. It’s the responsibility of the sports organization and local community to ensure that coaches and volunteers have access to the training needed to respond appropriately to an injury or life-threatening event.

Empowering your volunteers

In particular, the education of volunteers in safety procedures strengthens the sports program. Volunteers offer their time and energy in so many capacities. They should be given the tools they need to be an even greater help, which means safety training or recertification at no cost to them. And it’s important to remember that coaches and volunteers serve as safety role models for the youth with whom they’re working. Older athletes should be encouraged to register for CPR and first aid certification courses, as well.

No matter what sport you’re involved with, the unexpected can occur. Here are a few examples of emergency situations where immediate administration of first-aid made all the difference to the injured person.

• An Alabama high school football player collapsed during the first practice of the season. Coaches and the athletic trainer sprang into action, quickly determining a case of cardiac arrest after seeing no signs of concussion, heat stroke or dehydration. The trainer used the school’s AED while waiting for EMTs to arrive on the scene. The teen survived, thanks to the safety training his coaches had received.


• An Oregon varsity high school basketball game was unexpectedly interrupted when an official collapsed on the court. Quick thinking staff, students and medical professionals in the stands rushed to his aid, administering CPR until an ambulance arrived.


• An 8-year-old youth baseball player collapsed after being hit in the chest by a batted ball. It was his good fortune that two off-duty paramedics who were in the stands were able to administer CPR until paramedics arrived and transported him to the hospital.

You can’t count on there being someone nearby who will know what to do in a medical emergency. Whether the injured person is one of the athletes, a trainer, an official or a fan in the stands, the coaches are who people will look to for help in an emergency.

Getting the necessary training

The American Red Cross offers CPR/AED training as well as specific first aid, health and safety training for sports coaches. Because CPR techniques and use of AEDs on children and adults differ, it’s important that coaches receive training for medical assistance for both age groups

The National Alliance for Youth Sports encourages all volunteer coaches get CPR training. Their website offers member coaches access to a first aid and CPR section full of safety information, including how to develop an emergency action plan. NAYS also offers free concussion training for coaches and volunteers.

Read Full Story: http://www.sadlersports.com/blog/medical-emergencies-youth-sports/

Special Events May Require Special Coverage

Source: sadlersports.com - Special Events May Require Special Coverage
Author: John M. Sadler

Safety should be priority No. 1

Many for profit and not for profit organizations hold special events throughout the year. These can be tournaments, banquets, marathons, fundraisers, award ceremonies or simply family days that include fun activities and entertainment. A lot of planning and organization are required to ensure these events are successful. One element of the planning stage that should never be overlooked is determining whether your insurance program includes the coverage needed for a safe event for everyone involved – hosts, participants, volunteers, vendors and guests.

There are risks involved in hosting and managing special events that may require either added short-term or annual coverage. Beyond checking with your agent as to whether your event is adequately protected, below is a list of areas that require particular attention during the planning stages.

Vendors

Vendors can include caterers, tent and equipment rentals, concessions, security, and parking attendants. It’s important to research your vendors well because poor service or a mishap on their part can spoil an entire event – think of the potential consequences of a collapsed tent or food poisoning. It’s critical that each of your vendors provide you with a valid certificate of insurance evidencing General Liability with a limit of at least $1 million each occurrence and that they can add your organization as an additional insured on their policy.

Venues

It’s not unheard of for the actual venue of an event to be a factor that causes an accident or injury claim. Stages can collapse, fire exits get blocked, and severe weather can trigger the need for fast evacuations. The more knowledge you have about the number of people attending the event, the electrical equipment needed, and potential for severe weather, the better prepared you will be. For indoor events, make sure you know the emergency protocols of the building, which includes knowing where all the fire extinguishers, exits and stairwells are located. For outdoor events, be sure the terrain and any light/sound rigging are properly installed. Monitor the weather in the days leading up to the event as well as during the event – storms can pop up unexpectedly with disastrous results. There are weather apps for smartphone that can alert you to severe weather watches and warnings.

Emergency Planning

Every event should have a unique emergency plan which all staff and volunteers receive and sign that they have read it. The emergency plan should include who has the authority to shut the event down or ask a vendor to vacate. Sudden storms, a shooter in the area, or a vendor with a lapsed permit are only a few examples of when someone may need to make an on-the-spot decision.  The emergency plan should also include a protocol for announcing a closing or changes in the event programming. It goes without saying that all event staff and volunteers should be familiar with the event emergency plan, to include medical emergencies, lost children, crime and severe weather.

Security

Security often is something that tends to get “overlooked” because it doesn’t generate income. However, security should be considered an investment that reduces your risk of liability, which is just as good or even better than income. Below are some security tips that can make for a much safer event for everyone involved.

• Volunteers are a great resource, but don’t use them for security enforcement purposes, such as dealing with unruly people, enforcing parking or alcohol regulations, or providing first aid. It’s best to have trained medical and law enforcement professionals handling these duties.


• Using teachers, senior/varsity athletes and other community leaders is also not a good idea when it comes to maintaining order in the crowd. These temporary-authority figures aren’t always respected by others when they’re out of their element.


• If you pay for professional security, don’t scrimp. Going with the cheapest security service may not be your wisest decision. Are their employees simply hired staff or trained personnel? Ask what types of sports events and what size crowds can they handle. Ask for examples of situations they managed to control and get references.

Sadler offers Special Event insurance and one of our insurance experts would be happy to help you determine what coverage your event needs. Call us today at (800) 622-7370 or simply request a quick quote now.

Read Full Story: http://www.sadlersports.com/blog/special-events-require-special-coverage-2/

The Positive Impact of Concussion Awareness

Source: sadlersports.com - The Positive Impact of Concussion Awareness
Author: John M. Sadler

Reporting and treatment in youth football on the rise

Injury data taken from the county’s largest youth football organization, American Youth Football (AYF) paints a bright picture. The data indicates that recent increased awareness and education of administrators, coaches, parents, and players is resulting in greater concussion identification and more aggressive medical treatment and follow up.

According to claims data from the AYF-endorsed Accident insurance plan, the rise in incidents of concussions to total injuries reported began in 2011. This coincides with the media’s first reports on high profile concussion lawsuits and alarming injury studies. The trend continued in 2012 and 2013.

Percentage of concussions to total injuries:

2005 – 2010       6.7%  average

2011                11.5%

2012                16.4%

2013                16.4%

What the numbers mean

This is concrete evidence that educational awareness and concussion recognition, treatment, removal, and return to play protocols are having a positive impact on protecting youth, according to John Sadler, president of Sadler Sports Insurance. In the past, many concussions were missed or ignored. When concussions were identified, parents tended to self-treat with a wait-and-see approach. Now, many more concussions and potential concussions are being identified with more emergency room visits, diagnostic tests, and follow ups with concussion experts who are critical in helping parents and athletes making return-to-play decisions.

Education is critical

We believe and statistics prove that the more you know about concussions, the better prepared you are to deal with them. We encourage you to read our other articles on concussions, which include information on American Youth Football’s concussion risk management initiatives.

Read Full Story: http://www.sadlersports.com/blog/positive-impact-concussion-awareness/

Electronic Signatures on Waiver Release Forms

Source: sadlersports.com - Electronic Signatures on Waiver Release Forms
Author: John M. Sadler

Can they be accepted?

Actual Client Question:

We were wondering if you require hard signatures on the release of liability form, player parent contract, code of ethics? We do online registration where everyone has their own password to login to their child’s registration, where we have “I Accept” buttons.  In the past, we have had the parents click those buttons and then we have printed the forms and had the parents come to another registration to supply a hard signature. Do you require a hard signature for insurance purposes or would the trigger button hold up in the event of a claim? What is the guideline for electronic signatures?

Answer:

I am not aware of any current court cases that provide a definitive answer to the question of whether electronic signatures on waiver/release forms will likely be upheld. I recently interviewed the claims department manager and general counsel for one of our largest insurance carriers in the sports insurance niche. They indicated that they did not want to inhibit e-commerce by not accepting electronic signatures on waiver/release agreements, but would be watching carefully for any court cases on this issue.

For now, electronic waiver/release forms are generally being accepted by the insurance carriers.

However, I have concerns that should be addressed. First, the electronic signature should be stronger than simply clicking “I Agree.” It should require the full name of the parent who is signing. Second, there must be a place for the minor participant to sign as well. Some may question this, but it is an absolute must. The minor must sign in order to trigger the assumption of risk defense as the waiver/release serves as the risk warning and the acceptance of risk by the minor. If these additional electronic safeguards can’t be initiated, I would advise the use of a paper waiver/release with a hard signature to supplement the electronic registration.

Of course, it goes without saying that the waiver/releases must be properly worded to be given weight in court; so many of them violate the basic principles of contract law. A copy of a sample waiver/release can be found in our risk management library.

– John Sadler

Read Full Story: http://www.sadlersports.com/blog/are-electronic-signatures-accepted-on-waiver-release-forms/

New concussion test detects specific symptoms

Source: sadlersports.com - New concussion test detects specific symptoms
Author: John M. Sadler

Hope for faster recovery times

Some athletes bounce back after a mild concussion. Others take months. That’s because there are six different kinds of concussion, each identifiable by symptoms exhibited by the concussed patient: balance issues, migraine headaches, vision problems, cervical (neck) problems and mood and anxiety.

A new test that detects concussion symptoms that current tests can miss has been developed by University of Pittsburgh Medical Center researchers. The test focuses on the vestibular ocular system, where vision, movement and balance coincide. The vestibular ocular system, located in the inner ear, is what helps the eyes stay focused on a target when the head moves about.

What researchers observed

The symptoms exhibited in the worst concussions are dizziness, vision issues and fogginess, according to Michael Collins, director of the UPMC Sports Medicine Concussion Program. These symptoms are frequently missed in the tests currently used to diagnose concussions.

Vestibular/ocular motor screening (VOMS) was 90 percent accurate in identifying patients with a concussion, according to the American Journal of Sports Medicine article. Diagnosing a concussion is fairly simple, but the VOMS test diagnoses the exactly type of concussion.

There are five specific areas VOMS assesses: eyes following a moving object, rapid eye movement, stabilization of images while head is in motion, dizziness, and the points where eyes can hold together without double vision. It only takes a few minutes to administer the test and the only tools needed are a metronome and tape measure. Results are based on the immediate responses of participants when asked about their symptoms after focusing on an object or moving their head back and forth quickly.

Improvements in treatment

Research participants consisted of concussed patients five days after their original injury. The VOMS test picked up impairments in 60% of the participants that could have been easily missed using current diagnostic procedures.

Adding VOMS to the other tests used to determine neurocognitive deficiencies could mean a significant change in both diagnosing and treating concussions, said Collins. Immediately identifying vestibular and ocular concussions could decrease significantly how long it takes to treat them.

For more information on long-term recovery concussions please read “Skip practice, and the books, following a concussion.” 

Source: Jack Kelly, Pittsburgh Post-Gazette, 11 Oct. 2014

 

 

 

Read Full Story: http://www.sadlersports.com/blog/concussion-test-detects-specific-symptoms/

Injury Claims Unique to Health Clubs

Source: sadlersports.com - Injury Claims Unique to Health Clubs
Author: John M. Sadler

What they are and how to reduce risk of occurrences

You work too hard at running your health club to risk it all. But it could easily happen if a client were to sue over something you simply overlooked. Health club General Liability claims typically arise out of the condition of the premises and equipment. Regular cleaning and maintenance of the facility should be performed, and clients always properly instructed on use of the equipment. The three most common claims unique to health clubs and fitness centers are:

• Falls while stepping on or off of a moving treadmill. which is usually a user error . However, a liability claim can be filed if the injured person did not receive proper instruction on use of the treadmill.


• Slips/falls in wet areas. These claims usually occur in locker rooms and sauna, Jacuzzi and pool areas. Such falls are best prevented with non-slip mats and warning signage.


• Slips/falls in exercise classes. Participants in group exercise classes slip or fall off step platforms and floors that become wet with perspiration and/or condensation from water bottles.

General Liability Risk Management

Steps can be taken to reduce the risk of injuries and claims being made against your facility.

Equipment Maintenance

• Document and retain maintenance and repairs


• Equipment safety signage should never be removed


• Cardio and strength equipment should be checked daily


• Power cords should be taped down to prevent trips and falls

Wet Areas

• Non-slip floor mats and safety grab bars should be securely installed at showers/saunas/Jacuzzi exits


• Signs warning “CAUTION: WET AREA” should be permanently displayed.


• Members should be encouraged to wear non-slip footwear in wet areas

Group Exercise Area

The condition of group exercise equipment and floors should be checked daily, particularly worn step treads and worn, wet or damaged sections of the floor

Professional Liability Risk Management

Steps can be taken to reduce the risk injury claims being made against your facility resulting from something a staff member or independent contractor does or says (or fails to do or say).

Waiver/Release Forms

• Have all clients, members and guests sign a waiver or release before using any part the facility. Members and clients should sign a new waiver/release upon renewal each year.


• Waivers should state that “instruction on all equipment and facilities has been provided and/or offered” to the individual.

Instruction

• Fitness staff should physically demonstrate all equipment for new members and guests.


• Renewing members should be offered refresher instruction and instructed on use of any newly purchased equipment.

Staff

• Staff should all be trained in the proper use of all equipment upon hire and receive training on newly purchased equipment.


• Fitness staff should be made aware of the policy they are expected provide proper equipment instruction to members and guests.


• Staff should not exceed their qualifications for fitness and/or health training . Only staff with proper nutritional or medical certifications should offer recommendations in these areas.


• Independent contractors should offer proof of individual professional liability coverage before working in the facility.

Emergency Procedures

• All employees should receive a copy and acknowledge by signature receipt of the facility’s emergency procedures plan. This plans should include what steps to take in the event of injury, illness, fire, power outage, severe weather, etc.


• The emergency plan should be reviewed with staff regularly during the year.


• Staff who work on the fitness floor should be CPR and first aid certified. At least one CPR and first aid trained staff member should be on the floor at all times.


• If the facility has an automatic external defibrillator (AED), at least one staff member with AED training should be on site at all times.

If you have questions regarding risk factors, please call us at (800) 622-7370, and you can visit our Health Club Insurance page to find a plan that suits your specific needs. We specialize in these areas:

Circuit Training

Day Spas

Exercise Studios

Fitness Clubs

Health Clubs

Pilates Studios

Yoga Studios

 

Read Full Story: http://www.sadlersports.com/blog/injury-claims-unique-health-clubs/

Controlling the Non-owned Auto Exposure in Sports

Source: sadlersports.com - Controlling the Non-owned Auto Exposure in Sports
Author: John M. Sadler

Coverage for a serious risk

It’s a must for most sports and recreation organizations to carry Non-owned and Hired Auto Liability insurance, which can be a stand alone policy or part of the General Liability policy. Very few sports administrators understand the importance of this coverage and what they should be doing to protect their insurance carrier from ever having to pay a claim.

A non-owned auto is one that is not owned by the sports or recreation organization, but is instead owned by an employee or volunteer or borrowed from an organization such as a church. If a non-owned vehicle is involved in an accident while on association business, the following parties can normally be sued: the vehicle owner, the driver, and any organization for whose purpose the errand is being run. In other words, the sports organization can be sued for their vicarious liability of their staff member.

Its important to note that Non-owned Auto Liability insurance does not cover the driver or damage to the vehicle. It only covers the association that is the named insured on the policy. The driver will have to rely on his or her own Personal Auto Insurance olicy to provide liability and physical damage protection.

I came across some excellent loss control material from Philadelphia Insurance Company on the topic of controlling the Non-owned Auto Liability risk in the sports and recreation context. This exposure represents an infrequent but high severity risk where damages can easily exceed $1 million. The insurance carriers that insure sports and recreation organizations are concerned about this exposure because it’s difficult to collect the proper premium for a low frequency/high severity risk. Sports organizations need to take this risk very seriously and implement the recommended controls.

Here are some links that you will want to check out:

Case studies on actual Non-owned Auto Liability losses in the non profit association context where damages exceeded $1 million

Personal vehicle usage precautions

Driver eligibility criteria

Driver training and motivation

Source: Philadelphia Insurance Company, Hired And Non-owned Automobiles, Large Loss Lessons Learned

Read Full Story: http://www.sadlersports.com/blog/controlling-the-non-owned-auto-exposure-in-sports/

When Youth Sports Teams Move Up One Year

Source: sadlersports.com - When Youth Sports Teams Move Up One Year
Author: John M. Sadler

Is it safe in all age categories?

What liability exposure exists for administrators and coaches who allow a younger sports team to play up in an older age category? That question was asked by a visitor to our website:

“I am struggling with a team playing up a year in age U12 Boys moving to U13 Boys in soccer. What are your thoughts? And do you know of any lawsuits. I am on the board and I want to be able to answer any questions.”

 

We invited a guest expert to respond to that for us. Gil Fried is an attorney and professor at the University of New Haven who provided the following answer:

“I am not familiar with any lawsuits from a younger group moving up one age category.  If they moved up several years the proportional difference in skill and size could open a door to liability.  Since the potential for in jury exists at all soccer levels, I would suggest that the children in the 12-year-old group and their parents be sent a letter indicating the potential concern that since younger kids are playing against older kids there could be a chance for injuries. The letter should be clear and allow parents to pull their child if they are concerned without any retribution.”

 

Read Full Story: http://www.sadlersports.com/blog/should-sport-team-be-allowed-to-move-up-one-year-in-age-category/

Soccer Goal Tipping Hazards

Source: sadlersports.com - Soccer Goal Tipping Hazards
Author: John M. Sadler

Unanchored goals pose danger to players

I came across a fantastic CBS News video that explains exactly how unanchored soccer goals can tip over and seriously injure or kill a child. At least one child fatality  and 200 injuries from tipped soccer goals are reported each year. Soccer goals can weigh several hundred pounds and cause catastrophic bodily damage, such as a crushed skull or broken limbs, when they tip over and come in contact with players. Coaches, players, and parents need to be educated on this topic and should check soccer goals prior to every practice and game to make sure they are properly anchored.

Sports General Liability insurance carriers that insure soccer organizations must often absorb full policy limit lawsuits resulting from these death claims.

You can view the video by following this link.

Read Full Story: http://www.sadlersports.com/blog/video-explains-soccer-goal-tip-over-hazards/

Top 4 Legal Issues Health Clubs Face

Source: sadlersports.com - Top 4 Legal Issues Health Clubs Face
Author: John M. Sadler

Maintaining industry compliance is the key to avoiding liability   

Your health club is thriving with new and renewing members; business couldn’t be better. Now isn’t the time to be complacent about compliance to industry standards and regulations. Failure to meet compliance leaves you and your facility exposed to liability.

The four areas that pose the most potential for risk are emergency procedures, staff certification, protective documentation, and the Americans with Disabilities Act. Take the time to learn what steps you can take to avoid liability and ensure your facility is compliant in these areas.

1. Emergency Procedures

Accidents, pre-existing health issues, and other factors can be the cause of an emergency situation in any health club. It’s your responsibility to have an emergency plan in place and ensure your staff is familiar with it. There are legal issues involved when administering emergency care. Knowing the risks is the first step in protecting you, your staff and your health club from liability.

“Good Samaritan” legislation offers some level of immunity from liability, but is limited to negligence. It doesn’t protect against reckless or grossly negligent conduct. Two requirements must be met in order to enjoy Good Samaritan immunity:

• Aid must be given at the scene of the emergency.


• Rendering aid in good faith, which means that assisting the victim was the intention of those offering emergency care. Immunity can be denied if there is evidence that the motive was monetary reward or attention in the press.

Good Samaritan laws vary from state to state, so it’s important to familiarize yourself and your staff with the legislation in your area.

Use of Automated External Defibrillator (AED)

Certain businesses are required to house AEDs. A few examples of these are schools, airports, medical facilities and public swimming pools.  Legislation varies from state to state on which businesses are mandated to house AEDs. However, housing of these devices is encouraged by the American College of Sports Medicine  and the American Heart Association for health clubs that have more than 2,500 members, provide programs for high-risk clients, and/or are in a location where emergency response time is typically more than five minutes.

If your club decides to house an AED, be advised that mandatory legal duties will arise. Please see our article “Use of Defibrillators in Fitness Clubs” which includes an infographic with helpful tips for maintaining and training staff on the use of AEDs.

2.      Staff Certification

It’s your responsibility to confirm that your staff members are current with their fitness certifications. Lapsed staff certifications leave you and your facility vulnerable to allegations of misrepresentation. Many clubs post lists of their staff members and qualifications. Lapses in any certification can be construed as misleading.

Steps you can take to prevent lawsuits:

• Develop a system for tracking expiration dates of all employee and independent contractor certifications


• Remind staff periodically to renew certifications, either in staff meetings, written memos or email.


• Increase staff awareness of potential legal consequences of non-compliance awareness.


• Offer staff incentives for keeping certifications current, and penalize employees or independent contractors who collected fees during any period of lapsed certification.

3. Protective Documents

Waivers / releases are intended to protect health clubs and their owners and staff against claims of regular or ordinary negligence. They don’t, however protect against grossly negligent or reckless conduct. All members should sign a separate waiver / release agreement for the protection of your facility and its staff.

For more information on waivers and releases, please see our article, “Are Waiver Release Agreement Worth the Paper They are Written On?” We also sample waiver forms in our risk management library.

4. The Americans with Disabilities Act

A primary goal of the Americans with Disabilities Act goal is to make sure that businesses do all that they “reasonably” can for people using their facilities who have disabilities.  Reasonable accommodation is any modification or adjustment that enables a disabled person to participate in the daily operations of the facility.

Such accommodations can be as simple as offering extra assistance for disabled members, such as assistance in transferring from a wheelchair to seated equipment or posting large print signs for the visually impaired. ADA does not require fitness facilities to fundamentally alter operating procedures that could risk the safety of others.

Our risk management library is full of information that can help you minimize risks to your business. Call us at (800) 622-7370 if you have questions about risk management or want to receive an insurance policy quote based on your unique needs.

 

Source: Sean Riley, “Risk Management: Is Your Club Compliant or Complacent?” ideafit.com.

 

 

Read Full Story: http://www.sadlersports.com/blog/top-4-legal-issues-health-clubs-face/

Spectator Injuries at the Ballpark

Source: sadlersports.com - Spectator Injuries at the Ballpark
Author: John M. Sadler

Does the “Baseball Rule” need to be revisited?

Spectators and baseball stadium employees occasionally suffer injuries from home run balls and shattered bats flying into the stands. However, foul balls were the most frequent cause of the 1,750 spectator injuries that occurred last year in major league baseball, according to Elias Sports Bureau.  That number translates to about two injuries for every three games. That’s more than the 1535 occurrences of batters being hit by pitches in the 2013 season.

What’s worse is the rising trend in foul ball injuries. Contributing to the increase in incidents are seats in the new and renovated ballparks being seven percent closer to the field, stronger players, and spectators who are increasingly distracted by smart phones and the flashing messages and graphics on enormous electronic scoreboards.

Hard-hitting facts

Fans have almost no time to respond to foul balls driving into the stands, sometimes at more than 100 mph. A ball traveling at 80 mph is traveling 117 feet per second. Spectators sitting 150 feet from home plate have only a second to dodge the missile.

In response to the 2002 death of a fan by a flying puck, the National Hockey League required netting behind the goal and taller Plexiglas shields over the side boards. Major League Baseball has done almost nothing to reduce such risks and maintains that individual teams are responsible for the safety of spectators. Following the death of a minor league first-base coach in 2007 after being hit by a line drive into foul territory, it was mandated that all base coaches must wear helmets.

The “Baseball Rule” culture

The courts are apparently paying attention:  judges hearing appeals in Georgia and Idaho this year rejected arguments invoking the “Baseball Rule.” That’s a long-standing principle that absolves stadium owners and teams from liability as long as the spectators in the seats behind home plate are protected by netting.

MLB teams are responsible for their stadium backstop designs, display of warning signs and following local safety ordinances. Injuries this year took place in seating in field level and 2nd-tier seats, as well as the higher sections that are typical landing grounds for home run balls.

Source: David Glovin, bloomberg.com, 09 Sept. 2014.

Read Full Story: http://www.sadlersports.com/blog/spectator-injuries-ballpark/

Sexual Abuse/Molestation Insurance for Sports Organizations

Source: sadlersports.com - Sexual Abuse/Molestation Insurance for Sports Organizations
Author: John M. Sadler

The risks organizations face and the preconditions for coverage

Sexual abuse and molestation is, unfortunately, a major topic of conversation within youth sports insurance in the past decade.  The sports insurance carriers that write General Liability have been decimated with a number of large settlements and adverse jury verdicts.

As a result, most carriers are not willing to extend coverage for abuse/molestation unless risk management controls are in place.  In other cases, the coverage is only available by tapping into custom programs for larger governing and sanctioning bodies that have significant negotiating power.

Coverage for abuse/molestation is important because all directors and officers will be sued along with the alleged abuser.  The directors and officers will be sued for failure to screen out staff with criminal backgrounds, failure to respond to an allegation, and failure to implement policies and procedures such as the use of a “buddy system” and prohibition of overnight sleepovers.

As a precondition of coverage, many insurance carriers will require mandatory background checks on all staff with access to youth, as well as the adoption of a risk management awareness program.

We have more detailed information on the various types of background checks and the strengths and weaknesses of each, as well as a free and simplified Abuse/Molestation Protection Program on our risk management page.

Read Full Story: http://www.sadlersports.com/blog/sexual-abuse-and-molestation-insurance-for-sports-organizations/

Coach Certification Liability Insurance

Source: sadlersports.com - Coach Certification Liability Insurance
Author: John M. Sadler

Don’t rely on it

Several of the coach certification training organizations offer General Liability insurance as a membership benefit to the coaches. This is a great benefit that is designed to act as a safety net in the event that the sports organization neglects to provide its own insurance or if its insurance contains unacceptable exclusions.

Some sports organizations that require all of their coaches to be certified mistakenly interpret this membership benefit as a green light to forgo purchasing their own General Liability insurance. This is a dangerous mistake. Individual coach certification General Liability insurance will not provide protection under the following circumstances:

•  It won’t cover the sports organization as an entity. As a result, the assets of the entity are unprotected if a lawsuit results in legal defense costs, settlement, or an adverse jury verdict. This can be catastrophic; even small sports organizations can have many thousands of dollars of asset value in their bank accounts, equipment, real estate, etc.

• It won’t allow for the issuance of a certificate of insurance under the name of the sports organization, which may be a property owner’s requirement for field or facility access.

• When a youth participant is injured, it is customary for all adult volunteers in close proximity to the injury to be shotgunned into the lawsuit based on negligent supervision. This includes the head coach, assistant coach, manager, umpire, referee, team mother, etc. In addition, the organization’s board members and officers will normally be included based on lack of general supervision. It’s likely that not all these volunteers are certified coaches and therefore won’t be protected.

• Most coach certification liability policies only cover lawsuits arising out of direct coaching activities. However, many lawsuits in the youth sports context arise out of non-sport activities and outings such as swimming parties, restaurant celebrations, backyard cookouts, banquets, fundraisers, etc.

The bottom line is that all sports organizations need their own General Liability policy. If you have questions, or want assistance in determining your insurance needs, please call us at (800) 622-7370.

 

Copyright 2002-2014, Sadler & Company, Inc.

 

Read Full Story: http://www.sadlersports.com/blog/dont-rely-on-coach-certification-liability-insurance/

Research may lead to fewer youth football injuries

Source: sadlersports.com - Research may lead to fewer youth football injuries
Author: John M. Sadler

Varying rules and policies among leagues is a factor

Two South Carolina youth football leagues were the subjects of a two-year study looking at athlete injuries across all age groups. The data collected during the research  conducted by the Athletic Training Department at the University of South Carolina could result in better safety policies within the leagues and, most importantly, fewer player injuries.

The results of the study are not yet published, but they look promising. The biggest predictor of injury appears to be league culture, not size or age, according to Jim Mensch, director of the program. Apparently every league has different policies, procedures, and safety standards and there seems to be a correlation there that indicates which players are more at risk for injury.

Part of the data was collected using 60 accelerometers. The high-tech devices were attached to players’ heads to measure collision force during practices and games. The information can then be downloaded for analysis.  USC is one of only a few institutions currently using this technology for research in youth football.

The early findings

Out of the 4000 players included in the study, 10 percent reported injuries that included everything  ranging from serious bruising to broken bones. Researchers also found that approximately 3 percent of the athletes experienced concussion-like symptoms.  That’s lower than the 7-9 percent reported in studies conducted on high school and college players.

Dehydration also appeared to be a significant factor in the number of injuries suffered. The study showed that players consumed adequate fluids during games and practices, but most were arriving to practice and games moderately dehydrated. It seems that players made good use of the fluids provided by the team and the water bottles they bring from home, but weren’t drinking sufficient fluids prior to arrival. Even with the water provided during play time, the sweat excreted left them chronically dehydrated.

The study’s other positive results

The parents and league organizers are delighted about the medical attention the players get from the study.  Many of the injuries get diagnosed and treated at practices and games by the athletic trainers conducting the study, rather than leaving parents and coaches to decide if a trip to the emergency room or a doctor’s office is necessary.

The study is being extended for one more year and will include more leagues in the area.

 

Source: Joey Holleman, “Study takes 2-year look at youth football injuries,” thestate.com. 22 Aug. 2014

 

Read Full Story: http://www.sadlersports.com/blog/research-lead-youth-football-injuries/

The Dangers of Cheerleading

Source: sadlersports.com - The Dangers of Cheerleading
Author: John M. Sadler

Lack of safety standards needs attention

I recently came across a news release from the national media on cheer injuries.  In addition to the usual horror stories, it included the following points of interest:

• Over the pasta 26 years, 73 cases of catastrophic cheerleading injuries in the U.S. have been traced by the National Center for Catastrophic Sport Injury Research at UNC.  These included fractured skulls or broken necks that led to permanent disabilities and two deaths.


• According to estimates by the Consumer Product Safety Commission, almost 30,000 cheerleaders are treated in emergency rooms nationawide each year.


• Emergency room visits from cheerleaders have tripled since the mid-80’s when cheerleading turned competitive and incorporated high risk gymnastics stunts. Cheerleading popularity and participation also increased during  this time.


• High risk stunts such as basket tosses, pyramids, and certain tumbling runs top the list for injuries, which are frequently executed on gymnasium floors, grass, and dirt with nothing separating the cheerleader from the hard surfaces.


• High school cheer is not considered an official sport in most states.  Therefore, cheer doesn’t necessitate the same limits on practice time, safety equipment, or training for coaches that are essential for other high school sports.


• The American Association of Cheerleading Coaches and Administrators (AACCA) requires cheer coaches to be certified in 13 states.  Certification often only requires an online test for coaches, which offers no training in spotting techniques or gymnastics.  And only about a dozen states regulate cheer by the rules that are set by the National Federation of State High School Associations (NFHS).


•  NFHS  offers an online cheer coach certification course comparable to the AACCA course.  Yet, each state will determine if the coach is required to take the certification course.


• In 2010, AACCA  introduced its first set of rules, which bans double twisting dismounts and basket tosses.  However, that rule only applies to the youngest cheerleaders who are on either the elementary, middle or junior high teams.


• Susan Loomis, the NFHS rulebook editor for spirit teams comments that there is no acting ‘cheer police’ at the high school level.  She herself does not know what the repercussions would be if someone did not follow or broke a rule.

Source:  MSNBC 

Read Full Story: http://www.sadlersports.com/blog/dangers-of-cheer-and-lack-of-safety-standards/

Injuries at Gyms and Homes

Source: sadlersports.com - Injuries at Gyms and Homes
Author: John M. Sadler

Thousands suffer in pursuit of fitness

Fitness Instructor Insurance and Health Club Insurance is in high demand due to frequent gym injuries.

According to the Consumer Product Safety Commission, the following injury statistics occurred in 2009:

*  1500 emergency room visits resulting from equipment related

mishaps in gyms

*  50,000 emergency room visits from home exercise equipment

incidents including treadmill falls, exercise ball falls, elastic stretch

band hits to face, and dropping free weights on feet.

*  Treadmills are the number one cause of equipment related injuries

with 575 occurrences of falling off, tripping over, and tripping on.

*  Weight machines and free weights caused 224 injuries.

*  Common gym equipment related injuries include broken ankles,

fractured arms, fractured legs, and fingertip amputations.

Fitness instructors cite the following reason for gym/exercise related injuries:

*  Inattention due to Ipods, cell phones, and reading.

*  Using equipment for the first time without proper instruction

*  Working out too hard, too soon after a period of inactivity.

Source: http://www.msnbc.msn.com/id/35127528/ns/health-fitness/

Read Full Story: http://www.sadlersports.com/blog/thousands-injured-in-gyms-and-at-home-in-pursuit-of-fitness/

Study: Physical Causes of Concussions in Youth Football

Source: sadlersports.com - Study: Physical Causes of Concussions in Youth Football
Author: John M. Sadler

And potential for lowering the numbers

A new study by Sadler Sports Insurance and American Youth Football (AYF), the world’s largest youth football organization, reveals the actual physical cause of concussions in youth tackle football ages 5 to 15. The study included 2,231 Accident insurance claims conducted over the years 2004 to 2013. During this time period, 5.58 percent of total claims reported were due to concussions. Below are trends for the physical cause of concussion claims:

Contact with ground			28%
Tackled by player			25%
Collision with opponent – other			17%
Tackling player			12%
Blocked by player			6%
Collision with teammate			5%
Blocking player			4%
Other			3%
Total			100%

Another way to consolidate the claim information is as follows:

Collision with player			69%
Contact with ground			28%
Other			3%

One of the primary risk management controls to reduce concussions in youth tackle football is the emphasis on the safe tackling technique through the AYF endorsed TackleSure program, which I reviewed in an earlier blog post . The TackleSure program would likely impact those concussion claims resulting from tackling players and tackled by player for a total potential 37% reduction of all concussion claims. In addition, the TackleSure program would reduce sub-concussive impacts and reinforce the more effective tackling technique.

Our earlier studies on concussions in AYF indicated that the vast majority of concussions occur during games – only 28 percent of concussion claims occur during practice. For more information on claims occurring in youth tackle football, see AYF Releases Data on Injuries in Youth Tackle Football.

 

Read Full Story: http://www.sadlersports.com/blog/study-physical-concussions-youth-football/

Insurance Policies Needed by Sports Organizations

Source: sadlersports.com - Insurance Policies Needed by Sports Organizations
Author: John M. Sadler

The minimum needed for maximum benefit

Because many sports organizations are run by volunteers, they are often under-insured. Insufficient insurance coverage may be a by-product of money-saving efforts or simply a matter of not understanding the risks of exposure to the athletes, coaches, staff and volunteers, and board members

Below is a list of the most important insurance policies that may be needed by community-based sports organizations such as teams, leagues, and municipal recreation departments.

1. Accident: Pays medical bills on behalf of injured participants such as players and staff.


2.  General Liability: responds to lawsuits arising from bodily injury, property damage, personal/advertising injury.


3. Directors & Officers Liability (AKA Trustees Errors & Omissions for municipal recreation departments): Responds to certain lawsuits not covered by General Liability such as discrimination, wrongful suspension or termination, failure to follow your own rules or bylaws, and violation of rights of others under state, federal, or constitutional law.


4. Property/Equipment: Covers your buildings, equipment, and contents against loss due to fire, vandalism, theft, etc.


5. Crime: Covers employee or volunteer embezzlement of funds or theft of property; forgery or alteration of checks by outsiders, and theft of money and securities by outsiders.


6. Workers’ Compensation: May be required by state law if three or more employees and pays benefits to injured workers for “on the job” injuries including medical bills, lost wages, disability lump sums, disfigurement lump sums, and death benefits.


7. Business Auto: Covers liability and physical damage to owned, non owned, and hired autos.


8. Consult with your insurance agent about other types of policies such as Liquor Liability, Cyber Liability, Media, etc.

We provide more detailed information on each of these policy types and insider tips on purchasing insurance in our article, 7 Critical Mistakes to Avoid When Buying Sports Insurance. If you have questions or want assistance in deciding which policies your organization needs, call us at (800) 622-7370.

Copyright 2002-20014, Sadler & Company, Inc.

Read Full Story: http://www.sadlersports.com/blog/insurance-policies-needed-by-sports-organizations/

Fitness trainer settles wrongful termination lawsuit

Source: sadlersports.com - Fitness trainer settles wrongful termination lawsuit
Author: John M. Sadler

Why fitness centers need Employment Practices Liability insurance

A fitness trainer settled his claim that he was wrongfully terminated by his employer, Best Fitness for $32,500. Salvatore Rachuna alleged he was fired because of complaints he made about a manager who repeatedly made inappropriate and lewd remarks in the presence of Best Fitness customers.

Rachuna was hired by Best Fitness in 2008 and worked in various positions in their Tonawanda, N.Y., and Erie, Penn., locations. In 2012 he began working under a new manager. His lawsuit claims that his supervisor repeatedly made “sexually advancing” comments regarding Best Fitness members and employees, both male and female. Rachuna’s complaint states the manager regularly discussed male genitalia size and the sexual activity of others and told sexual jokes about underage females.

Management’s response

Rachuna complained to the corporate vice president of personal training, who just happened to be the manager’s wife. He reported that he was uncomfortable and the behavior disruptive to the workplace. The only action she took was to tell Rachuna to “push back” anytime the manager, her husband, conducted himself inappropriately. The manager’s inappropriate behavior continued, so Rachuna made a formal complaint to the Best Fitness chief executive and human resources director in August, 2012. According to Rachnuna, his termination on Sept. 9, 2012 was a retaliatory action against his repeated complaints.

This case was one of two discrimination cases against Best Fitness arising from alleged actions of the Best Fitness manager. A separate complaint filed by a former group fitness director is pending. None of the complaints named the manager as a defendant.

What management can do

Defending against such claims can be costly. Employment practices lawsuits of this nature highlight the need for fitness centers to purchase Employment Practices Liability Insurance (EPLI), which can be purchased on a stand-alone basis or as part of a Directors & Officers Liability policy. EPLI policies generally cover the big three: discrimination, sexual harassment, and wrongful termination/discipline, plus a host of other employment related offenses.

If you are interested in a quote for this coverage, contact Sadler Sports & Recreation Insurance. We will provide a simple form to complete that will allow us to provide you with a quick quote.

 

Source: Lisa Thompson, “Erie fitness center settles lawsuit,” Erie Times-News. 17 Aug, 2014.

 

 

Read Full Story: http://www.sadlersports.com/blog/fitness-trainer-settles-wrongful-termination-lawsuit/

Cheer Gym vs. Competition Cheer Squad Insurance

Source: sadlersports.com - Cheer Gym vs. Competition Cheer Squad Insurance
Author: John M. Sadler

What’s the difference?

Cheerleading is no longer simply a group of girls jumping and yelling along the sidelines of a ball game. It’s a performance sport that has exploded with nationally televised cheer competitions and even big screen movies about cheerleading. This expansion has led to competition cheer squads that go head-to-head for recreation and cheer gyms that are in the businesses of teaching cheerleading and building cheerleading groups for major competitions.

A point of confusion that we encounter when reviewing cheer insurance applications is whether the group is a competition cheer squad or a cheer gym. It is vitally important that the correct insurance coverage is written for the organization and their specific exposures.

Making the determination

Six questions that we always have to ask are:

1. Are membership dues paid monthly, quarterly, once per season, etc.?


2. Is the organization’s facility owned, a long term lease, private, etc.?


3. Is the organization cheering for one team or a competition squad?


4. How are the coaches compensated?


5. Is the organization a 501c3 non-profit?


6. Does a board of directors oversee and run the organization?

We understand that not all applicants fall clearly into a competition squad or cheer gym category, but these questions allow us to make an educated assessment of the needs of the organization and provide the correct cheer insurance coverages.

A cheer squad typically pays fees once per season, uses school/local facilities, cheers as a squad for sporting teams, and is coached by volunteers. A cheer gym usually pays monthly dues, owns or has a long-term lease for a facility, cheers strictly in competitions and pays coaches a salary.

The factors few people take into consideration

There is a difference in premium cheer squad and cheer gym insurance premiums for good reason. The typical cheer squad is exposed to participant and coach injuries. Coverage is provided for the cheer squad itself as well as for the volunteers. Cheer gyms have a much greater risk of exposure than a cheer squad. The following points are taken into account when determining exposures of cheer gyms:

• The operation or long-term use of a facility creates a property exposure for anyone that comes onto the property and sustains a premises-related injury.


• Some cheer gyms provide extra services, such as private lessons, birthday parties, after school programs and/or soft play areas.


• Being run as a business means the coaches of cheer gyms are considered experts in the sport of cheerleading. This increases the standard of care owed to the participants and the bodily injury liability exposure.


• A professional liability exposure may result if the participant of a cheer gym sues over not being offered a college scholarship, or other expected benefits due to improper coaching.

Being under insured is just as risky as being uninsured. The cheer gym owner/trainer can lose personal assets, future earnings and even their business in the event a lawsuit arises and the correct coverage isn’t in force. No cheer gym owner should take the risk of losing everything in the event of a devastating injury resulting in lawsuit in order to save a few dollars on premium.

Please visit our website for more information on Cheer School & Cheer Gym Insurance and Cheer Squad Insurance.

 

Read Full Story: http://www.sadlersports.com/blog/cheer-gym-insurance-vs-competition-cheer-squad-insurance/

The Gamble of Being Underinsured

Source: sadlersports.com - The Gamble of Being Underinsured
Author: John M. Sadler

The risks can be catastrophic

Being underinsured is just as big a mistake as being uninsured. It’s no secret that insurance is one of those necessary purchases that buyers resent. But it’s also no secret that purchasing the correct coverage has protected countless people and organizations from potentially catastrophic financial circumstances.

Sports organizations are often run by volunteers who aren’t aware of the potential risks to which their league and players are exposed. This often results in lack of coverage – for all the wrong reasons. Thinking ahead is your insurance agent’s job. He or she has seen it all and knows anything can happen to anyone at any time.

What’s behind the lack of insurance?

Many sports administrators mistakenly believe that they don’t need to buy Accident and General Liability insurance to cover their sports programs for various reasons. After more than 25 years in the sports insurance industry, I’ve heard every excuse in the world for such decisions. Here are the top four:

• “We’ve never experienced a serious injury or lawsuit.”  The fact is that sports lawsuits tend to be infrequent but have a high potential for severity in terms of potential damages owed. Some sports organizations may go over five years without a serious incident, but it’s just a matter of time.

•  “Our waiver/release forms will prevent lawsuits.” The use of a well-drafted waiver/release form is a great tool under some circumstances. However, it won’t prevent a lawsuit from being filed. Even if the waiver/release does result in the lawsuit eventually being dismissed, it may still cost $10,000 to $20,000 in legal defense fees to get to that point.

•  “Volunteer immunity statutes will prevent lawsuits.” State and federal volunteer immunity statutes are a positive step in the right direction. However, they typically have too many loopholes and exceptions that limit their effectiveness. For example, most immunity statutes exempt protection in the event of grossly negligent behavior, willful or wanton conduct, or the reckless disregard for the safety of others. Most lawsuits make these allegations and the judge has to sort out if they have any merit. All this takes time, and the more time it takes to sort this out, the greater the legal fees. In addition, these statutes don’t protect paid staff and the sports organization as an entity itself.

•  “Our employees/volunteers/administrators provide their own liability policies.” Many sports organizations will leave it up to the individual volunteers or administrators to protect themselves through Homeowner’s Liability, Personal Umbrella, or Coach Certification Liability policies. This can be a dangerous strategy for many reasons. Homeowner’s Liability and Personal Umbrella policies may include an exclusion for lawsuits arising out of activities of the insured person as a sports volunteer. Furthermore, they won’t protect against the non-bodily injury or non-property damage lawsuits that a Directors & Officers policy may protect against such as discrimination, wrongful termination, failure to follow own rules or bylaws, etc.

The insurance policies sports organizations need

Below is a list of the most important insurance policies that most community-based sports organizations such as teams, leagues, and municipal recreation departments should carry.

• Accident insurance pays medical bills on behalf of injured participants.

• General Liability responds to lawsuits arising from bodily injury, property damage, and personal/advertising injury.

• Directors & Officers Liability (or Trustees Errors & Omissions for municipal recreation departments) responds to certain lawsuits not covered by General Liability, such as discrimination, wrongful suspension or termination, failure to follow your own rules/bylaws, and violation of rights of others under state, federal, or constitutional law.

• Property/Equipment insurance covers buildings, contents and equipment against loss due to fire, vandalism, theft, etc.

• Crime insurance covers employee or volunteer embezzlement of funds or theft of property; forgery or alteration of checks by outsiders, and theft of money and securities by outsiders.

• Workers’ Compensation may be required by state law for organizations with three or more employees. It pays benefits to injured workers for on-the-job injuries including medical bills, lost wages, disability lump sums, disfigurement lump sums, and death benefits.

• Business Auto insurance covers liability and physical damage to owned, non-owned, and hired autos.

There are other types of policies that some organizations may require. For much more detailed information on this topic, please see 7 Critical Mistakes to Avoid When Buying Sports Insurance.

For assistance in determining which policies your organization needs, to have your questions answered, or to receive a quote, please call us at (800) 622-7370.

 

Read Full Story: http://www.sadlersports.com/blog/excuses-why-sports-organizations-dont-buy-insurance/

Frivolous Lawsuits in Sports

Source: sadlersports.com - Frivolous Lawsuits in Sports
Author: John M. Sadler

It could happen to you

Frivolous lawsuits take place all the time and the world of sports is by no means immune.  We get calls from people who want information on insurance because they are required to have it, not because they want it. Wear hear these comments all the time:

• “We’ve never had a claim.”


• “It wouldn’t happen to us, everyone likes our league.”


• “We make everyone provide their own insurance, so we’re not responsible.”

Wow! Simply WOW!  These days, it’s no longer a question of if you’ll get sued, it’s WHEN you’ll get sued.   And as often as not, it’s not what you did or didn’t do. It’s what someone perceives that you did or didn’t do that that can land you or your organization at the defendant’s table in a courtroom.   If you are involved in any capacity, whether as a coach, administrator, player, or volunteer, there is no other option than to make sure that your organization has coverage to pay in case you need the defense.

Below are just a few examples of  lawsuits that will make you make you say, “Hmm?”

• Rodney Carroll, coach of the 16 & under Brunswick (Ohio) Cobras baseball team, was sued for $2000 by the father of his catcher after a 0-15 season in 1999. The grounds? Crummy coaching

• Jason Abbitt sued the Vallejo (California) Babe Ruth Baseball League for 80 percent of his signup fee in 2002 because he only played in 20 percent of the games.  He sought $65, or $65 for every hit he had that season.

And these two stories were featured in Liable to Laugh 2004 (American Specialty Companies):

The parents of players on opposing teams became involved in a fistfight during a youth soccer game. The loser of the fight (who also was the aggressor) filed suit against his opponent and the soccer league because of his moderately severe injuries.  He alleged that the soccer league was negligent because it failed to control his behavior when they realized, or should have realized, that he was out of control. The soccer league, by the way, was for 5- and 6-year-old girls.

A child was playing in the outfield in a youth baseball league when he missed a fly ball that struck him in the face, causing facial fractures.  The parents sued the league and the coach, claiming that they knew or should have known that the claimant had sight problems and, therefore, should not have been allowed to play in the outfield.

And then there are the crazy claims that never make it to the court room, such as the woman who tried to file a claim because, as she was driving by a youth baseball field,  a baseball flew over the fence and through her back window hitting her bird cage  and releasing her prized pet.

Read Full Story: http://www.sadlersports.com/blog/frivilous-lawsuits-in-sportscould-it-happen-to-you-2/

Intentional Under Reporting of Sports Teams Insurance

Source: sadlersports.com - Intentional Under Reporting of Sports Teams Insurance
Author: John M. Sadler

 It’s not just fudging the numbers, its fraud.

The risk manager of a large municipal rec department called me recently. He had a league’s certificate of insurance in his hands that was issued by us. He was concerned that the league using his fields had over 30 teams, but our certificate indicated that coverage was only purchased for five. He asked if the coverage would be in force in the event of an injury. I had to break the news to him that coverage may not be in force – and that we had a big problem if his facts were correct.

Sports teams or leagues purchase Accident and General Liability insurance that is typically priced on a per team basis. The authorized representative of the sports organization completes an online or paper application and reports the number of teams in each age group. Accurate reporting, which is a fundamental part of the rate structure, depends on the “honor system.”  Intentional under reporting is flat out insurance fraud, and can result in claim denial, and definitely results in unwarranted rate increases.

The best way for the insurance carriers to scientifically predict the dollar amount of likely losses and needed rates is to study past loss history and assign expected losses per team. When the number of teams is intentionally under reported, the insurance carriers don’t collect the premium necessary to offset the risk of loss. When losses increase as a percentage of premiums collected, the insurance carriers must apply rate increases across the board.

Steps being taken to prevent under reporting

In an effort to maintain competitive sports insurance programs, the following steps are being taken to keep under reporting of teams in check:

1.  The number of teams reported on insurance applications will be cross referenced with association membership registrations.


2. The number of teams reported on the insurance application will be cross referenced with the team/league website.


3. At the time a claim is reported, claims adjusters may investigate the proper reporting of team figures before a claim is paid.


4. Sports insurance programs may require a roster of team names.

Please do your part to make sure that all of your teams are reported and accounted for when you apply for coverage. And remember, intentional under reporting of teams hurts not only those who depend on the claims being paid, but also drive up rates for everyone.

Read Full Story: http://www.sadlersports.com/blog/impacts-team-insurance-fraud/

2014 AYF/AYC Insurance Program Released

Source: sadlersports.com - 2014 AYF/AYC Insurance Program Released
Author: John M. Sadler

The gold standard that is the envy of the competition

The American Youth Football and American Youth Cheer endorsed insurance provider, Sadler Sports Insurance, has released the new 2014 insurance program for teams /associations /conferences.  Detailed 2014 coverage and rate information  is now available on our website Our online enrollment will become operational on May 15, 2014.

The 2014 offering is, once again, the gold standard in youth football and cheer insurance with an unbeatable combination of low rates, broad custom coverages, and best-in-industry automation that allows instant online enrollment and issuance of proof of coverage documents and certificates for field owners. But that’s not all: the program also provides best-in-industry risk management resources to prevent injuries before they become claims and groundbreaking studies on safety in youth football and cheer.

Apply, pay, and print proof of coverage documents and certificates in as little as 10 minutes

Our advanced automation is so simple and fast that you can complete the entire insurance purchase transaction and print all your documents in as little as 10 minutes. Many competitors require the completion of forms and days of waiting just to get a quote. Then, once the quote is bound, it can take several days to get the proof of coverage document sand certificates for field owners. Or, they could charge $100 extra for next day rush delivery.

After the purchase, we provide our clients access to our website so that they can self-issue certificates for new field owners 24/7. It’s so easy and our clients love this benefit.

Beware of competing programs that seem too good to be true

We often hear stories about a competitor offering cut-rate policies with a per team rate that is too low to be believable. Whenever this happens, something ends up being defective with the offering, which illustrates that if something is too good to be true, it usually is. We’ve seen cases where the quoted price did not include the cost of both the Accident and General Liability policies, where the organization never reported the transaction to the insurance carrier and no insurance was in force, and where a big corporation was going to foot the bill for the insurance (dream on), etc. After a little bit of digging, these schemes fall apart.

What is being done to combat the risk of concussion/brain injury and related litigation?

Sadler Sports Insurance has released a new Football/Cheer Concussion Awareness Risk Management Program (short form) that is strongly recommended for all teams/associations/conferences. This free program can be downloaded from our risk management page. This program consolidates accepted risk management practices into a three-page document for easy board adoption and implementation. An important element of this program is the new Tackle Sure coach training program, which is endorsed by AYF. The cost is $5 per coach and covers effective and safe tackling techniques on a step -by-step basis. It is important for all teams/association/conferences to thicken their shields by adopting and fully implementing a comprehensive concussion/brain injury risk management program. The future of our sports depends on this action and it’s the right thing to do to protect the kids.

What is being done to combat sex abuse/molestation post Sandusky?

We introduced a simple one-page Child Abuse/Molestation Protection Program – Administrators (short form) that, if adopted by your board and fully implemented, will greatly lessen the chances of an incident occurring within your program. The free program can be downloaded from from our risk management page.

Best-in-industry risk management resources (free)

We have an incredible line up of free risk management resources including articles, legal forms, risk management program templates in  Microsoft WORD format for your easy adoption and customization, and training videos for administrators and staff. This includes the newly created document entitled Sample AYF/AYC Advanced Plan, which is a comprehensive risk management program customized for AYF/AYC organizations and is available exclusively to our current clients in the password protected section of our risk management page.

Be a part of groundbreaking injury studies

If you purchase your insurance through the endorsed insurance program, all Accident claims automatically become part of the database where our custom software analyzes the information to produce meaningful injury reports. This has led to groundbreaking studies on  the comparison of injuries in age only vs age/weight categories and the incidence of concussions within AYF/AYC.

 

Read Full Story: http://www.sadlersports.com/blog/2014-ayfayc-insurance-program-released/