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Ontario Association of Basketball Officials. Nancy Au, BBA, FCIP, RIB, CRM Oct 2017. Agenda. Ontario Association of Basketball Officials insurance program Who is covered? What is the coverage? Frequently Asked Questions Safety vs. Insurance. Who Is Covered?.
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Ontario Association of Basketball Officials Nancy Au, BBA, FCIP, RIB, CRM Oct 2017
Agenda • Ontario Association of Basketball Officials insurance program • Who is covered? • What is the coverage? • Frequently Asked Questions • Safety vs. Insurance
Who Is Covered? • Ontario Association of Basketball Officials& its board • OABO members. • Sanctioned & Supervised OABO Activities • Ontario Association of Basketball Officials Sanctions. • Sanction = Approves
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)
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
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.
Sport Accident-cont’d • Principal Amount $50,000 • Fracture Indemnity 1,000 • Dental Accident 10,000 • Medical Expense Reimbursement 15,000 • Aggregate limit for any one Accident $1,000,000
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.
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
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.
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.
Frequently Asked Questions • If I am injured while officiating & require physiotherapy, drugs or an ambulance ride am I covered. • Sport Accident policy.
Safety Creating a safe environment needs to be considered BEFORE, DURING & AFTER. EVERYONEis responsible.
Safety 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
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 !!!
