STYSA Insurance Program & Managing Your Club s Risk. pullenins.com

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1 STYSA Insurance Program & Managing Your Club s Risk pullenins.com

2 Types of Policies STYSA Provides General Liability Excess / Umbrella Liability Excess Accident Medical D&O Insurance Does NOT Provide Commercial Property Dishonesty Coverage Workers Compensation Cyber Liability

3 General Liability Provides liability protection for alleged or actual acts of negligence 1) Bodily Injury Athletic Participant Liability Business Invitee / Spectators Premises Drain Pictures 2) Personal & Advertising Injury Libel / Slander Wrongful Eviction Copyright Infringement Misappropriation of Advertising Ideas 3) Property Damage (Third Party) Bounce House

4 GL Policy: Who is an Insured? The State Soccer Association (First Named Insured) Member associations, leagues, clubs, teams, directors & officers, coaches, players, referees, employees, officials, and volunteers but only for activities sanctioned by the First Named Insured (the SSA)

5 Typical Covered Activities Official Tryouts Practices Games Tournaments Camps / Clinics Concession Sales Fund-Raising Drives Award Banquets & Ceremonies End of Season Celebrations Picnics

6 General Liability & Excess Liability Limits Each Occurrence Limit: $1,000,000 General Aggregate Limit: Unlimited Participant Legal Liability Each Occur. (Non-Brain Injury): $1,000,000 Participant Legal Liability Each Occur. (Brain Injury Only): $2,000,000* Participant Legal Liability Aggregate (Brain Injury Only): $5,000,000* Sexual Abuse / Molestation Each Occurrence: $1,000,000 Sexual Abuse / Molestation Aggregate: $2,000,000 Hired & Non Owned Auto Liability $1,000,000 *Brain Injury Limits are Inclusive of Defense Costs Excess Liability: $4,000,000 Example COI

7 Common GL Questions Is a member organization s owned facility covered? Are we covered for the use of golf carts, tractors, or Gators? Do we have Liquor Liability coverage? Is rented equipment covered? Are bounce houses / inflatables covered? When are camps / clinics operated by a member organization covered?

8 Important Risk Management Topics Portable Goal Safety -Anchor Goals (Inspect & Re-Inspect) Sexual Abuse Awareness & Prevention -Conduct Criminal Background Checks -Educate parents and coaches about signs of grooming -Protecting Young Victims from Sexual Abuse Act of 2017 Concussions (Traumatic Brain Injury) -Follow U.S. Soccer Federation s Recognize 2 Recover Initiative Guidelines Bounce Houses (Inflatables) -Anchor & Supervise Link

9 Excess Accident Medical What is it? Provides medical expense coverage for an insured person injured during a sanctioned and approved activity of the state soccer association Who is insured? Registered team members, coaches, managers, referees 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

10 Accident Medical Limits Excess / secondary coverage $100,000 Maximum per injury $1,000 Deductible per injury 70/30 Co-Insurance 52 week benefit period PT /Chiropractic - $50 per visit / $2,000 max Must follow rules of primary healthcare plan or benefit reduction of 50% applies

11 Non-Profit Liability (D&O) Provides liability protection for wrongful acts attributed to the governance of the organization Wrongful act = breach of duty, neglect, error, misstatement, misleading statement or omission Includes Employment Practices Liability & Third party Wrongful Acts Limit of Liability $5,000,000 Shared aggregate limit of liability Retention (Deductible) $10,000 D&O and Employment Practices retention $15,000 Third Party Wrongful Acts retention

12 Examples of Non-Profit Liability Claims D&O Failure to follow bylaws Acts beyond granted authority Misappropriation of funds Financial mismanagement Conflicts of interest Rules interpretation issues EPL Discrimination Sexual or workplace harassment Failure to hire / promote Wrongful termination Breach of employment contract Employment related retaliation

13 STYSA does NOT Provide Commercial Property Dishonesty Coverage Workers Compensation Cyber Liability

14 Commercial Property Insurance What is it? Protects your property against risks of direct physical loss (i.e. fire, theft, vandalism, windstorm, hail) Most Common Examples of covered property: Buildings Business Personal Property (office contents) Inland Marine (Equipment Floater) Covers movable property without regards to location (i.e. goals, golf carts, Gators, portable storage sheds, bleachers, radios, porta potties)

15 Employee / Volunteer Dishonesty What is it? Protects the organization from employee or volunteer embezzlement of funds How covered? Dishonesty Bond or a Commercial Crime policy Basic Controls - Monthly bank / credit card statement reconciliation - Separation of duties - Eliminate ability to withdraw cash with Debit Card - Annual audit (either external or internal)

16 Workers Compensation What is it? A no-fault statutory benefits provided by an employer to an employee (or the employee's family) due to a job-related Injury or death Who governs Workers Comp Laws? Workers Compensation laws are governed by state statute. Most employers are required to purchase private or state funded insurance How are premiums computed? Premium based on total payroll by class of employee

17 Cyber Liability What is it? Addresses issues arising from network and information security, privacy liability, and electronic media Who Needs it? Any entity that has an online presence, collects customer data, or process payment transactions

18 Questions? Feel free to contact me if you have any questions. Phone: (817)

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22 Grooming What is Grooming? A process of identifying and engaging a child in sexual activity. It involves an imbalance of power and elements of coercion and manipulation. It involves motivation and intent to sexually exploit the child. What is the purpose of grooming? The perpetrators goal is to MAKE A VICTIM by increasing access to the victim and decreasing the likelihood of their intent being discovered by others, including the victim. The perpetrators goal is also to make the potential victim feel comfortable enough to be close with the offender, to be alone with the offender, and to keep the sexual behavior a secret.

23 Grooming Process 1. Building Trust and Breaking Down Child s Defenses 2. Reassuring to the Family 3. Gradual Erosion of Boundaries 4. Construct Secrecy with Child 5. Working to Secure Compliance back

24 Protecting Young Victims from Sexual Abuse and Safe Sport Authorization Mandatory Reporting Act of 2017 Mandatory Training Regarding Prevention and Reporting of Child Abuse Mandatory Policies and Procedures to Prevent Sexual Abuse of Athletes Act creates a new Standard of Care Back