1. Ontario Association of Basketball Officials
Nancy Au, BBA, FCIP, RIB, CRM
Oct 2017

2. Agenda Ontario Association of Basketball Officials insurance program
Who is covered?
What is the coverage?
Frequently Asked Questions
Safety vs. Insurance

3. Who Is Covered?
Ontario Association of Basketball Officials & its board
OABO members.
Sanctioned & Supervised OABO Activities
Ontario Association of Basketball Officials Sanctions.
Sanction = Approves

4. The Coverages
Liability – protects members in the event you are sued in a civil action stating your negligence caused someone bodily injury or property damage (defense & payout). Worldwide coverage for suits brought in Canada
Compensatory damages
$5,000,000 limit per occurrence, $500 deductible
Members – including directors, officers, executive, managers, coaches, officials, employees and volunteers (while working on behalf of the association)

5. The Coverages
Errors & Omissions– protects you in the event you are sued for wrongful acts (defense & payout). Includes coverage for Directors & Officers.
Civil action
Compensatory damages
$1,000,000 per occurrence, $500 deductible

6. Sport Accident – coverage for practices, games within Canada only
Out of pocket expenses
i.e. drugs, physiotherapy etc.
Secondary response plan
Various limits
Members –
those who are ‘in the sport’, during the sport.

7. Sport Accident-cont’d
Principal Amount $50,000
Fracture Indemnity ,000
Dental Accident ,000
Medical Expense Reimbursement 15,000
Aggregate limit for any one Accident $1,000,000

8. Traveling?
Liability coverage travels with you (worldwide) as long as it is a sanctioned OABO activity.
Travel Medical (especially for outside of Canada) as organized through OABO.
Covers the trip, not just the sport.
Many groups now purchasing for travel to other provinces too.

9. How are Claims Handled?
Liability – submit any Letters of Intent or Statement of Claims (lawsuits) IMMEDIATELY to OABO
Sport Accident –
Notification to Pearson Dunn within 30 days
Submit Athletic Accident Claim Form within 90 days of injury to Pearson Dunn Insurance

10. Frequently Asked Questions
What if there is more than 1 liability claim during the year --- is there a cap on the amount the insurance company will pay out?
No ‘aggregate’ – cap per policy term. There is a limit per occurrence only
If I am ‘officiating’ a pick-up game for my son & his friends am I covered?
No. Your policy covers OABO sanctioned activities and does not extend to your personal activities.

11. Frequently Asked Questions
Are Volunteers covered.
Yes. Volunteers are covered for liability, not sport accident.
If our member was negligent will the insurance company still cover us?
Yes. If there has been an error in action you are still covered. As with any insurance policy intentional criminal acts are not covered.

12. Frequently Asked Questions
If I am injured while officiating & require physiotherapy, drugs or an ambulance ride am I covered.
Sport Accident policy.

13. Safety Creating a safe environment needs to be considered
BEFORE, DURING & AFTER.
EVERYONE is responsible.

14. Safety Stop play if a safety issue arises
Before anyone starts to play a safety review should be done
Facility
Know your environment
Check before starting play. State of the Floor. Is there water on the floor
Equipment
Nets in good repair, back boards
Balls
Stop play if a safety issue arises

15. Safety vs. Insurance Any sport involves an element of risk
Safety First…. Always!!!
Abide by Ontario Association of Basketball Official’s guidelines.
Insurance is never a substitute for safety !!!

16. Questions ? ? ?