If I had a $1,000,000,000. USATF Annual Meeting St. Louis, MO December 2, 2011 Atlanta, GA
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1 If I had a $1,000,000,000 USATF Annual Meeting St. Louis, MO December 2, 2011 Atlanta, GA
2 What can be worse than listening to a guy talk about insurance on a Friday afternoon? You get a call from your spouse's attorney! Your doctor calls to tell you they need a re do on your colonoscopy! Your financial advisor stops returning your phone calls! You have a voic from the IRS!
3 Established in January, 1994 Specialize in providing risk management expertise and insurance products to the Sports and Entertainment Industries ESIX Divisions Individual Athletes Teams/ Associations Special Events Contractual Bonus
4 ESIX Experience Over 1,100 Athletes and Entertainers are insured through ESIX ESIX insures over 100,000 events per year 200 Sports organizations trust ESIX for their Risk Management and Insurance needs. Atlanta Braves Atlanta Hawks Atlanta Thrashers ATP Tour Executive Sports Medalist Sports National Bicycle League PGA Tour Philips Arena Tiger Woods Foundation USA Diving USA Field Hockey US Adventure Racing USA Boxing US Judo Federation USA Rugby USA Track & Field USA Triathlon USA Volleyball USA Water Ski USA Weightlifting WTA Tour World Team Tennis
5 Insurance Industry Overview What s Up? Given our current financial environment, how is this impacting our participants of our insurance carrier? Unemployment is at an all time high Housing foreclosures are at an all time high People without employment have no workers compensation People without employment probably have no medical coverage
6 What does this mean? It is likely someone will suffer a serious injury at your event without having primary insurance
7 Is the financial crises affecting our insurance program? Over 20 insurance carriers have gone bankrupt in the past 24 months The largest insurance carrier in the world (AIG/CHARTIS) declared bankruptcy U.S. government bailed them out $121,000, and counting What if this were your insurance carrier?
8
9 Where are we in the insurance cycle? Hard market or soft? How does this affect the USATF Program?
10 If I Had A $1,000,000? How About $10,000,000?
11 Who Has $1,000,000?
12 Named insured? USA Track & Field, Inc. (USATF) USATF Associations USATF Member Clubs (and their individual members) Officers Directors Coaches Officials Event Organizers/Directors Volunteers (working under the supervision of a coach, officer, etc.) but only while acting in their capacity as such, with respect to events or other activities (club practices, awards, banquets, tryouts, etc.) that are sanctioned and approved by USATF.
13 What Are You Covered For...Everything?
14 Commercial General Liability (CGL) Protects the Named Insured for claims/suits arising from: Bodily Injury Personal Injury Property Damage
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16 CGL Schedule Limits Coverage Description $1,000,000 Each Occurrence Bodily Injury, Personal Injury, and Property Damage $3,000,000 General Aggregate (Per Event) $3,000,000 Products and Completed Operations Aggregate $1,000,000 Personal and Advertising Injury $1,000,000 Damage to Premises Rented to You Included Participant Legal Liability $1,000,000 Abuse and Molestation (Each Occurrence) $2,000,000 Abuse and Molestation (Aggregate) $1,000,000 Excess Fireworks Liability $1,000,000 Liquor Liability Included Certified Acts of Terrorism
17 Coverage to Include Participant Legal Liability Contractual Liability Drub Testing Liability Emergency Medical Volunteers Coverage Athletic Trainers Coverage Professional Liability Coverage (Instructors and Coaches)
18 Excess Liability $10,000,000 Each Occurrence Defense costs are outside the limits of liability
19 Some Quick Ways to Lose your $10,000, Use of Automobiles/Rentals 4. Conducting unsanctioned Events 3. Personal Property/Rental Equipment 2. Coverage for Independent Contractors 1. Acceptance of Contractual Liability which is not Covered by the Policy
20 Participant Accident Provides Accident Related Medical Coverage for Participants, Registered Officials and Volunteers Class 1: All Elite Athletic participants of the Policyholder. Class 2: All Non Elite Athletic participants, registered officials and volunteer workers of the Policyholder.
21 Schedule of Benefits $25,000 Medical Limit (Class 1) $10,000 Medical Limit (Class 2) $10,000 Accidental Death (Class 1 & 2) Excess any primary insurance Primary if no other insurance Medical Extensions: Repetitive motion injury: Stress fracture, strain, shin splint, Osgood Schlatter Disease, Chondromalacia, tendinitis, bursitis or heat stroke. (Class 1) Heart or Circulatory Malfunction caused by non pre existing conditions at events only (Class 1 & 2)
22 Covered Activities Sanctioned... Events Competitions Practices Warm ups Pre Event Instruction (Approved by USATF) Group Travel (Supervised and approved by USATF)
23 Optional Coverages Optional...but maybe not! Directors & Officers Insurance Covers personal assets of club officers and directors Protects the organization s directors and officers from personal liability associated with their wrongful acts, errors, and omissions in the performance of duties for your organization Protects the organization s board members from claims alleging harassment, discrimination or wrongful termination $1,000,000 and $2,000,000 limits available Based on revenue
24 Optional Coverages Optional...but maybe not! Directors & Officers Insurance Annual premium: $575 for a $1,000,000 limit $875 for a $2,000,000 limit All policies have a common expiration date of Nov 1 st
25 Optional Coverages Optional...but maybe not! Event Medical Malpractice Insurance Medical Professional Liability for volunteer physicians and all other volunteer healthcare providers providing support to participants, volunteers and spectators during sanctioned events $1,000,000 per claim / $3,000,000 aggregate (per event) subject to a minimum annual policy aggregate of $5,000,000 $0 Deductible Secondary to any other available insurance Primary if no other insurance
26 USATF Sanctioned Event Event Director s Day-to Day Business Operations / Activities Sanctioned Event Program Event Directors Program GENERAL LIABILITY General Liability coverage for a USATF sanctioned and approved event, including set up and tear down HIRED & NON OWNED AUTO LIABILITY Liability coverage for vehicles that you rent, lease or borrow on a short term basis GENERAL LIABILITY General Liability coverage for your day to day business operations & event planning activities PARTICIPANT ACCIDENT Coverage for accidental injury occurring at a USATF sanctioned and approved event PROPERTY / INLAND MARINE Replacement Cost coverage for owned or leased equipment, including rented property GENERAL LIABILITY General Liability while serving as an Independent Contractor for another Event Director at a sanctioned event; persons or organizations hired by you AUTO INSURANCE COVERAGE Auto Liability and/or Physical Damage coverage on owned or leased autos UMBRELLA / EXCESS LIABILITY COVERAGE
27 HIGHLIGHTS Event Directors Program Coverage: Provides lines / types of coverage not afforded through sanctioned event program; satisfy contractual requirement(s) Limits of Liability: Capabilities of writing up to $5MM in limits Ease of Enrollment: Pre determined pricing for base program / credit card capabilities for payment
28 Added Bonuses Officials Insurance As an official what type of insurance should I have in place?
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30 Added Bonuses Officials Insurance General Liability Coverage Personal injury/liable, slander Bodily injury Property damage Broad form endorsement added to G.L. Policy Rendering/failure to render professional services Providing Health Care Services Accident Medical Coverage Covers eligible medical expenses which occur as the result of an accident while officiating Secondary to any primary medical coverage
31 Added Bonuses Officials Insurance As an official where am I exposed?
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33 Added Bonuses Event Exposure for Officials Officiating at USATF sanctioned events Officiating at other sanctioned events Officiating at NON sanctioned events
34 Added Bonuses Officials Insurance What coverage is provided by USATF for officials at a sanctioned event? General Liability ($10MM limit) Accident Medical ($10,000 limit) What coverage is provided by USATF for officials at a NON sanctioned event? General Liability ($1M per claim/$2m aggregate) Abuse/Molestation ($1M per claim/$1m aggregate) No Accident Medical
35 Questions
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