Club Development

1. Club Development Guide To Risk Management

2. Entertainment Practice Profile • Established broker for Canadian Sports Insurance • Dedicated Practice Area • Areas of specialization: • Sports Associations • Sports Leagues • Sports Facilities • Directors & Officers • Loss Control/ Risk Management • Errors & Omissions Insurance • Contract Reviews

3. OSA PROGRAM OVERVIEW • Insurance Program in place for OSA Districts and their members - Liability Insurance Coverage - Accident Insurance Coverage

4. General Liability Coverage • INSURER: Sovereign General Insurance Company through K&K Insurance Group • TERM: October 1, 2010 to October 1, 2011 • TERRITORY: Worldwide subject to Suits brought in North America

5. Liability Insurance – Coverage Overview Coverage designed to protect against lawsuits from individuals alleging that the sports organization and/or its members have negligently caused "bodily injury" to a player or spectator. • - Policy also covers other types of lawsuits such as "property damage", "personal injury" (libel & slander) and Non Owned Automobile liability.

6. General Liability Overview Who is considered an ‘Insured’ under this policy? • Association itself • Members registered in good standing with the OSA, but only while participating in activities sanctioned by the OSA. • Referees, • Coaches, • Managers, • Administrators and volunteer workers, but only for acts within the scope of duties performed on behalf of the OSA.

7. General Liability Coverage What activities are covered under this policy?OSA sanctioned… • Games/ Practices/ Try-outs • Leagues • Tournaments, • Camps and clinics. • Coverage also includes training and development of OSA sanctioned referees

8. General Liability Coverage Non Field Related Activities covered; • Team rentals of gyms, indoor facilities, field permits related to a function of the team or association • Registration booths in malls/gyms, etc. • Dances - sanctioned only

9. General Liability Coverage Activities not covered; • Fundraising Activities – solution to follow! • Non OSA sanctioned activities • Higher risk fundraising activities involving amusement devices, animals, or motor sports • Events involving fireworks • If a club/district owns, or is contractually responsible under a long term lease of a facility (Dome/ Gym, for example) • Offices owned by OSA Districts – Solution to follow!

10. General Liability Coverage Process for obtaining certificates of insurance; • Complete a “Certificate of Insurance Request Form” – obtained from OSA or OSA Website.. • Upon completion, forward the form to your district. • The district will then email the form to HKMB HUB • HKMB HUB will process Certificate requests within 24 hours and email the Certificate back to the district, which, in turn, will email it to the requesting club.

11. Alcohol Liability • No exclusion on policy for defense of liquor related claims. Note: if your event includes the sale/distribution of alcohol you will need prior approval/sanctioning from the OSA in order for the coverage to extend. NOT SANCTIONED – NOT COVERED!

12. ACCIDENT (AD&D) INSURANCE PROGRAM OVERVIEW

13. ACCIDENT INSURANCE PROGRAM OVERVIEW • INSURER: Chartis Insurance Company of Canada • TERM: October 1, 2010 to October 1, 2011 • TERRITORY: Worldwide (NOTE: THIS IS NOT A TRAVEL ACCIDENT POLICY!)

14. Accident Insurance; Overview • Accident Insurance provides protection in the event of a sudden, unforeseen and unexpected event causing bodily injury or loss. • Applies while participating in covered activities sponsored and supervised by the policyholder. • Covered activities means: participating in a sanctioned practice or competition in the sport under the supervision and direction of the Policyholder. • Coverage also applies while traveling as a team immediately to and from such activities.

15. Accident Insurance When are considered ‘covered’ under this program? Participants are covered during sponsored and supervised  activities of the OSA…. … such as  Games,  Practices,  Tournaments  and other sponsored activities.

16. Accident Insurance When does this coverage respond? • When accidental bodily injury results in a covered loss • Not first payor for Accident Medical expenses • Coverage responds as "excess” • Requires all other collectable insurance (such as parent's health insurance) to respond first before the "excess" Medical Accident policy will pay any benefits.

17. Accident Insurance Medical Services Defined Means the costs for: • medically necessary treatment by a physician or dentist, • hospital room and board, • use of an ambulance, • dental work to sound natural teeth, • drugs, medicines, • diagnostic tests and x-rays, • treatment performed by licensed medical professional (if hospitalization would have otherwise been required), • rental of durable medical equipment like wheel chairs or hospital beds, prosthetic appliances, orthopedic appliances or braces.

18. Accident Insurance What Medical Services are not covered? Excess Accidental Medical Expense does not apply to the following charges and services: • for which the Insured Person has no obligation to pay; • for eyeglasses, contact lenses and other vision or hearing aids; • for any injury for which Worker’s Compensation benefits or occupational injury benefits are payable; • for treatment by a person employed or retained by the Policyholder; • for any injury occurring while fighting, except in self defense; • for treatment required for conditions caused by repetitive motion injuries and not as a result of an Accident, including but not limited to: Osgood-Schlatter’s Disease, bursitis, chondromalacia, shin splints, and tendonitis.

19. Accident Insurance • How do I submit a claim under this policy? • Claim forms with instructions for completing and submitting is located on the HKMB/OSA website (www.hkmb.com/osa). • Claims under this policy can be submitted by completing: • Accident Medical Expense Claim Form, Insured’s Statement • Attending Physician’s Statement (available on website if not obtained through your Physician) • Club Official Statement

20. Accident Insurance ACCIDENT CLAIM – REPORTING PROCEDURE Ensure all items are complete on your claim form. Attach copies of fully itemized medical bills and copies of the Explanation of Benefits from the primary insurance carrier. Have the “Attending Physicians Statement” and “Club Official Statement” completed. Upon completion of the validation, the player will send the original forms and attachments to: Chartis Insurance Company of Canada 145 Wellington Street West Toronto, ON M5J 1H8 ALWAYS KEEP A COPY FOR YOUR RECORDS!

21. Travel Insurance Overview • When traveling out of country, only a fraction of medical expenses resulting from an emergency accident or illness would be covered by OHIP and Chartis Insurance program. Pre-existing conditions are not covered by Chartis Insurance program. • Out-of-Country Travel Insurance is advised for each and every trip. • Please visit the website www.hkmb.com/osa to purchase individual or team coverage while out of Ontario. • At a preferred OSA team rate of $2.68 per day, each traveler will be covered for $5,000,000, 24 hours per day, with no deductibles.

22. Travel Insurance - Benefits • Covers injury or sickness requiring emergency hospital confinement or emergency medical treatment while traveling outside your province or territory of ordinary residence in Canada. • Applicant must be a resident of Canada, and insured and/or eligible for benefits under the Government Health Care Plan of the province or territory in which the applicant resides.

23. Clubcombo Insurance Program Program provides: Office and Directors and Officers Insurance coverage for Leagues, Clubs, Districts (Office Only) that are sanctioned members of the Ontario Soccer Association. • Coverage can only be purchased online – benefits include – credit card payment, wordings sent to purchaser’s e-mail instantly • Minimum annual premiums on stand alone office coverage start at $550 combined office/D&O coverage minimum premium is just $900!

24. Clubcombo; Office Clubcombo Office Policy provides coverage for.. • Office contents (tables, chairs, equipment etc.) and tenant improvements • Extensions include computer coverage, business interruption including extra expense, professional fees, and valuable papers & many more!. • Covers Fundraising Activities such as car washes, ticket sales, bingo ticket sales, auctions etc. • Also provides liability coverage if your club is held legally liable for an injury sustained by a third party visiting your office space Your landlord my require confirmation of this coverage as part of your lease agreement. • Office location can be a standard office space or office (for club) in a home location.

25. Clubcombo; Office coverage options • Provides 3 options of office property coverage ABC Contents of Every Description $10,000 $25,000 $50,000 Computer (Hardware/Software $10,000 $25,000 $50,000 • Broad extensions applicable to each of the above options per below Business Interruption $10,000 Fire Department Service Charges $10,000 Accounts Receivable $10,000 Fire Equipment Recharge $5,000 Valuable Papers $10,000 Glass Included Professional Fees $5,000 Fine Arts $5,000 Miscellaneous Property Floater $5,000Extra Expense $10,000 Money & Securities – Inside $2,500 Money & Securities- Outside $2,500 • Program has flexibility to add additional limits (such as Employee Dishonesty Crime Coverage, Peak Season Property Endorsement Coverage etc.) and increase limits above if required. • $2,000,000 General Liability (fundraising – as defined & office) included for the above

26. www.hkmb.com/clubcombo

27. THANK YOU.. QUESTIONS?? Alan Hollingsworth Partner & VP – HKMB Hub International 416-597-4628 alan.hollingsworth@hubinternational.com