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Navigating the Slippery Slope of Insurance & Risk Management
Marla Peters, Sr. Vice President, American Specialty Insurance Jina Doyle, Vice President, American Specialty Insurance
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General Liability & Excess Liability
Provides protection from third-party claims of bodily injury, property damage, and personal injury Excess Liability Provides liability protection in excess of the general liability limit, which increases the total limit of liability by $25,000,000 USSA CLIP Affiliate Clubs Sanctioned Event Coverage for USSA Affiliate Club during Sanctioned Events Non-USSA Insurance Limits: GL: $1M/$10M XS: $25M/$25M ? Who is Insured (1) USSA members and the supervisory staff of the ski club (2) Member coaches (3) Member Officials (4) Volunteers
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General Liability & Excess Liability Covered Events
USSA CLIP Affiliate Clubs Sanctioned Event Coverage for USSA Affiliate Clubs during Sanctioned Events Non-USSA Insurance Ski & Snowboard Competition USSA Sanctioned Events Only ? Supervised training and conditioning required to compete in ski and snowboard competition Coverage for training is limited to official training that takes place at the event location and on the dates designated by the event organizer. Official training must be supervised or directed by a representative of a USSA Affiliate Club Supervised Club Activities Note: Certain high risk activities and those events that are subject to a sanction/schedule agreement (but such is not executed) are excluded from the USSA CLIP Affiliate Club Program. NO
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General Liability & Excess Liability
Participant Legal Liability Coverage for bodily injury claims arising from sports participation Sexual Abuse & Molestation Coverage for claims of sexual abuse and molestation AM Best Rating Financial strength of insurance company as determined by the AM Best rating agency USSA CLIP Affiliate Clubs Sanctioned Event Coverage for Affiliate Clubs during Sanctioned Events Non-USSA Insurance Participant Legal Liability ? Sexual Abuse & Molestation AM Best Rating: “A” or better
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Excess Accident Medical
Coverage for medical bills for accidental injuries. It is excess over any other available insurance. Accidental Death and Dismemberment A benefit paid in the event of death or dismemberment resulting from an accidental injury. USSA CLIP Affiliate Clubs Sanctioned Event Coverage for USSA Affiliate Clubs during Sanctioned Events Non-USSA Insurance Excess Accident Medical Limit: $25,000 each accident $2,000 deductible $20% co-pay (up to first $6,250 of benefits paid) ? Accidental Death Limit: $10,000
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Excess Accident Medical Insured Persons
USSA CLIP Affiliate Clubs Sanctioned Event Coverage for USSA Affiliate Clubs during Sanctioned Events Non-USSA Insurance USSA Member Participants ? USSA Member Coaches USSA Member Officials
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Excess Accident Medical Covered Events
USSA CLIP Affiliate Clubs Sanctioned Event Coverage for USSA Affiliate Clubs during Sanctioned Events Non-USSA Insurance Ski & Snowboard Competition USSA Sanctioned Events Only ? Supervised training and conditioning required to compete in ski and snowboard competition Coverage for training is limited to official training that takes place at the event location and on the dates designated by the event organizer. Official training must be supervised or directed by a representative of a USSA Affiliate Club Supervised Club Activities Note: Certain high risk activities and those events that are subject to a sanction/schedule agreement (but such is not executed) are excluded from the USSA CLIP Affiliate Club. NO
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Miscellaneous Coverages Not Automatically Included
Directors & Officers Insurance Provides coverage for suits and other legal proceedings brought against a USSA Affiliate Club's Board of Directors/ Officers or the Affiliate Club itself for allegations of wrongful acts, errors and omissions Access online program at: $1M limit = $550 plus $25 group purchasing fee $2M limit = $850 plus $25 group purchasing fee. Automobile Liability Coverage for losses resulting from the club’s use of an owned or non-owned/hired automobile Property Coverage Coverage for property owned, rented, or borrowed by the club such as computers, gates, timing equipment, buildings, etc. USSA CLIP Affiliate Clubs Sanctioned Event Coverage for USSA Affiliate Clubs during Sanctioned Events Non-USSA Insurance Directors & Officers Liability Ability to secure coverage through USSA online program ? Automobile Liability Coverage Not available through USSA Coverage for Owned or Borrowed Property
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Contract Review
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Contract Review Recommended Practices
Yes No Do you have a complete, legible copy of the contract? Are all parties listed by their formal legal names? Are the effective dates and times of the agreement accurately stated? Are the individuals to sign the agreement authorized representatives of each party? Is the indemnification and hold harmless provision "acceptable"? Acceptable: Other party indemnifies and holds Club harmless for losses, and Club doesn't indemnify or hold other party harmless; or Each party is responsible for its own negligence - mutual indemnification and hold harmless; or Club indemnifies and holds other party harmless but not for losses arising from other party's negligence (or other party's sole or gross negligence). This is acceptable although above options are preferable. Not Acceptable Club indemnifies other party and holds them harmless for any and all losses (including those arising from other party's own negligence), and other party doesn't indemnify or hold Club harmless.
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Contract Review Recommended Practices
Yes No Does Club carry the insurance coverage required in the contract? Is the additional insured requirement consistent with the indemnification and hold harmless provision? For example: If there is mutual hold harmless and indemnification, the parties name each other as additional insured. If Club must hold harmless and indemnify the other party for losses arising out of Club’s negligence only, then Club should be required to name the other entity as an additional insured only with respect to losses arising out of Club’s negligence. Are the cancellation requirements acceptable (for example, they do not place an undue financial burden on Club if it needs to cancel)?
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Insurance & Risk Management Resources
Insurance Website USSA Shauna Vanderlinden, Laurie Hamble, American Specialty Marla Peters, Jina Doyle,
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