Insurance Administrator Training Presentation

1. NATIONAL INSURANCE WORK GROUP 2006/9 INSURANCE ADMINISTRATOR TRAINING PRESENTATION

2. NATIONAL INSURANCE WORK GROUP 2006/9 CLAR • INTRODUCTION • ROLE OF COUNTY INSURANCE ADMINISTRATORS • GAA LIABILITY PROGRAMME • GAA PROPERTY INSURANCE • PLAYERS INJURY SCHEME • HIRERS SCHEME • WORK MODULE 1

3. NATIONAL INSURANCE WORK GROUP 2006/9 ROLE OF COUNTY INSURANCE ADMINISTRATORS • FULL AWARENESS OF CLG INSURANCE PROGRAMMES. • ADVISOR ON HIRERS SCHEME. • ADVISOR ON CLAIMS PROCEDURES. • ADVISOR TO COUNTY BOARD EXECUTIVE. • ADVISOR ON RISK MANAGEMENT INITIATIVES. • ON SITE ASSISTANCE AND ADVICE TO CLUBS. • ORGANISER OF SEMINARS/MEETINGS RE GAA INSURANCES. • MONITOR USAGE OF CLG FACILITIES. • ASSIST WHERE APPROPRIATE IN PLAYER INJURY CASES.

4. NATIONAL INSURANCE WORK GROUP 2006/9 GAA LIABILITY INSURANCE • COVERS EMPLOYERS & PUBLIC LIABILITY INSURANCE. • GAA SELF FUNDS UP TO E1.75 MILLION AND BUYS A POLICY FOR THE EXCESS ABOVE THIS LEVEL. • ALL CLUBS FUND THIS “POT” OUT OF WHICH CLAIMS ARE PAID. • POLICY COVERS THE GAA AS A CULTURAL & SPORTING ORGANISATION. • CLUBS NEED SOUND RISK MANAGEMENT PRINCIPLES BASED ON GOOD HOUSEKEEPING. • COMMON AREAS OF CONCERN INCLUDE: PORTABLE POSTS, FENCING INC BARBED WIRE, BUILDING MATERIALS, SECURITY. • MOBILE SHOP UNIT NOT ALLOWED ON GAA GROUND UNLESS HEALTH CERTIFICATE AND INSURANCE DETAILS ARE PASSED TO CLG’s OFFICE IN CROKE PARK FOR APPROVAL. • CLUBS WHO HAVE THEIR OWN TRACTORS & RIDE-ON’S MUST INSURE THEM SEPARATELY.

5. NATIONAL INSURANCE WORK GROUP 2006/9 GAA LIABILITY INSURANCE • EMPLOYERS LIABILITY COVERS CLUBS AGAINST CLAIMS FOR ACCIDENTS/INJURIES TO EMPLOYEES INVOLVING NEGLIGENCE. • THE SELF FUND MENTIONED ON THE PUBLIC LIABILITY INCLUDES THE EMPLOYERS LIABILITY. • IT INCLUDES FAS SCHEMES RUN BY CLUBS ON GAA PROPERTY. • THE SAFETY, HEALTH and WELFARE at WORK ACT, 2005 HAS IMPOSED ADDITIONAL RESPONSIBILITY ON CLUB OFFICERS. • GAA CLUBS AS EMPLOYERS HAVE THE FOLLOWING DUTIES: 1. A SAFE PLACE OF WORK. 2. A SAFE SYSTEM OF WORK. 3. PROVIDE PROPER EQUIPMENT. 4. HIRE COMPETENT STAFF.

9. NATIONAL INSURANCE WORK GROUP 2006/9 GAA LIABILITY PROGRAMME • INSURANCE ADMINISTRATORS TO MAKE A SIGNIFICANT CONTRIBUTION IN THIS AREA • UP TO DATE LIABILITY GUIDELINES NOW COMPLETED. LAST UPDATE WAS 1998. • 3RD PARTY USE OF GAA PREMISES- CLUBS WHO ALLOW OUTSIDE BODIES ACCESS TO GAA FACILITIES MUST ENSURE THE GAA IS ADEQUATELY PROTECTED. • HIRERS SCHEME SHOULD HAVE A MAJOR IMPACT HERE. • OVER E26 MILLION PAID OUT IN CLAIMS SINCE 1988. • WORK GROUP COMPLETED CLAIMS ANALYSIS BY PROVINCE & COUNTY.

10. NATIONAL INSURANCE WORK GROUP 2006/9 GAA PROPERTY INSURANCE • COVERS GAA PROPERTY AGAINST LOSS OR DAMAGE CAUSED BY AN INSURED PERIL. • COVERS AGAINST FIRE, STORM, BURST PIPES, EXPLOSION, THEFT, MALICIOUS DAMAGE AND OTHER PERILS INCLUDING THEFT OF CASH. • IT ALSO COVERS BUSINESS INTERRUPTION FOR CLUBS WITH BARS AND SOCIAL CENTRES. • ALL CLUBS ARE COVERED ON A GLOBAL BASIS, I.E. NO INDIVIDUAL VALUES EXCEPT CROKE PARK. • EXCESS OF E4,000 EACH AND EVERY CLAIM.

11. NATIONAL INSURANCE WORK GROUP 2006/9 GAA PROPERTY INSURANCE • IN EXISTENCE SINCE 1988- UNDERWRITTEN BY ALLIANZ • SUFFERED HEAVY LOSSES FOR FIRST 5 YEARS (260%) BUT GREATER VIGILANCE HAS SEEN IT RECOVER TO BELOW 100% OVERALL. • THE GROUP HAS OBTAINED CLAIM DETAILS BY PROVINCE AND BY COUNTY WHICH WERE USED IN THE PREMIUM ALLOCATION SHOWN ON THE PREVIOUS SLIDE. • IMPORTANT TO NOTE THAT A LIMIT OF E10 MILLION EXISTS FOR REPLACING INDIVIDUAL CLUB PROPERTIES OUTSIDE OF SPECIFIED COUNTY GROUNDS ( E20 MILLION LIMIT). • THIS ISSUE NEEDS SERIOUS ATTENTION, PARTICULARLY IN DUBLIN. • ONCE AGAIN, IT IS IMPORTANT TO EMPHASISE THE NEED FOR GOOD HOUSEKEEPING.

12. GAA CLUB IN DUBLIN

13. GAA CLUB IN DUBLIN

14. NATIONAL INSURANCE WORK GROUP 2006/9 • PREMIUM NOW ALLOCATED ON THE FOLLOWING BASIS: • 1. €10,000 MINIMUM CHARGE TO EACH COUNTY • 2. 25% of PREMIUM ALLOCATED BASED ON THE NUMBER OF CLUBS IN EACH COUNTY • 3. 75% of PREMIUM BASED ON THE CLAIMS EXPERIENCE WITHIN EACH COUNTY.

15. NATIONAL INSURANCE WORK GROUP 2006/9 PLAYERS INJURY SCHEME • IT IS MOST IMPORTANT TO NOTE THAT IT IS NOT AN INSURANCE SCHEME. • OPERATION OF SCHEME VERY WELL LAID OUT IN THE BROCHURE. • GAA HAS RUN INJURY SCHEMES ALMOST 80 YEARS IN SOME FORMAT. IT IS ENTIRELY SELF FUNDED. • NO COMPARABLE SCHEME EXISTS IN IRELAND. • DOUBLED UP SCHEME NOW 3 YEARS OLD. • CLAIMS NO’S UP BY 1/3 THIS YEAR FROM 6K TO 8K. • SCHEME COULD LOSE UP TO E1 MILLION IN 2007. • IMPLICATIONS OF THIS WILL NEED CAREFUL CONSIDERATION.

16. NATIONAL INSURANCE WORK GROUP 2006/9 PLAYERS INJURY SCHEME • ONLY EVER INTENDED AS BACK UP. • SELF EMPLOYED MUST MAKE ADEQUATE PROVISIONS THEMSELVES. • MOST SCHOOLS & COLLEGES NOT COVERED UNDER SCHEME. • SCHEME ADMIN UNDER CONSTANT REVIEW. • EXISTING ADMIN SYSTEMS AT COUNTY LEVEL WILL CONTINUE. YOUR INSURANCE ADMINISTRATOR WILL ASSIST WHERE NECESSARY. • REMINDER RE NOTIFICATION OF BLITZS,CHALLENGE GAMES PARTIC. ACROSS COUNTIES, ETC. NO NOTIFICATION, NO COVER. • LATE SUBMISSION OF REG. BY COUNTIES CAUSING UNTOLD PROBLEMS. DOES DISSERVICE TO PLAYERS. • OFTEN, SHORTCOMINGS END UP AT OUR OWN DOORS.

17. NATIONAL INSURANCE WORK GROUP 2006/9 PLAYERS INJURY SCHEME • INCREASES IN SUBSCRIPTIONS PER TEAM ARE INEVITABLE IF CLAIMS TREND CONTINUES. • GREAT RESPONSIBILITY ON CLUB OFFICERS TO VERIFY CLAIMS. • TOTAL CLAIMS HAVE RISEN FROM E5.4M IN 04 TO E6.5M IN 05 TO OVER E9M IN 2007. • ADDITIONAL COVER FOR PERMANENT DISABILITY HAS NOW BEEN PUT IN PLACE. • IN SUMMARY, LOOK AFTER OUR OWN SCHEME. IT’S A 1ST CLASS SCHEME BUT ITS FUTURE SECURITY LIES IN OUR OWN HANDS.

18. NATIONAL INSURANCE WORK GROUP 2006/9 GAA HIRERS SCHEME PRESENTATION • NATURE OF SCHEME • RATIONALE FOR SCHEME • SCHEME OPERATION • IMPORTANCE

19. NATIONAL INSURANCE WORK GROUP 2006/9 NATURE OF HIRERS SCHEME • TO FACILITATE THE USE OF GAA PREMISES BY OUTSIDE BODIES. • SUCH 3RD PARTIES CAN NOW PUT INSURANCE COVER IN PLACE TO COVER THEIR ACTIVITIES. • IT PROVIDES PROTECTION FOR THEMSELVES AND THE GAA CLUB AS PROPERTY OWNER. • A LIABILITY SCHEME INITIATED BY COYLE HAMILTON WILLIS AND UNDERWRITTEN BY ALLIANZ INSURANCE.

20. NATIONAL INSURANCE WORK GROUP 2006/9 RATIONALE FOR HIRERS SCHEME • STANDARD GAA INDEMNITY FORMS HAVE BEEN LARGELY IGNORED BY GAA CLUBS. • CONSEQUENTLY, WE HAVE BEEN DRAWN INTO LARGE NO’S OF CLAIMS INVOLVING NON CLUB MEMBERS. • 30% OF ALL OUR CLAIMS HAVE COME FROM OUTSIDE BODIES. • WE SELF FUND UP TO E1.75 MILLION. • NET RESULT OF ALL THIS UNREGULATED ACTIVITY IS INCREASED PREMIUMS FOR CLUBS. • HUGE INCREASE IN GAA FACILITIES HAS MEANT A HUGE INCREASE IN DEMAND FOR USE OF SUCH FACILITIES. • AS AN ORGANISATION, WE NEED TO TAKE CONTROL OF OUR OWN AFFAIRS IN THIS AREA.

21. MARKET AND MARTIAL ARTS

22. BUNGEE JUMPING AND BOUNCY CASTLES IN ULSTER

23. NATIONAL INSURANCE WORK GROUP 2006/9 ACTUAL INCIDENTS • SERIOUS EYE INJURY AFTER A FRACAS DURING A PRIVARE PART AT DUBLIN GAA CLUB. E103,00 PAID OUT. • ASSAULT AT A WEDDING HELD IN DUBLIN GAA CLUB. SEVERE HEAD LACERATIONS. E95K PAYABLE TO PLAINTIFF BY GAA INSURERS. • INDOOR FOOTBALL GAME HELD IN KILKENNY GAA CLUB. BROKEN WRIST SUFFERED. WET FLOOR ALLEGED. CLAIM BEING DEFENDED WITH RESERVE OF E20,OOO. NO INDEMNITY LETTER OBTAINED. • ACROBAT KILLED IN CIRCUS FALL IN GAA GROUNDS IN CLARE. NO CLAIM YET BUT GAA LIABILITY PROGRAMME EXPOSED IF NEGLIGENCE IS PROVEN. PLEASE NOTE ITEMS 1 AND 2 ABOVE WOULD COST E80 EACH TO INSURE UNDER NEW SCHEME.

24. NATIONAL INSURANCE WORK GROUP 2006/9 HIRERS SCHEME OPERATION • 3 CATEGORIES OF USER:ONCE OFF, LONG TERM CONTINUOUS AND PROPERTY OWNERS COVER ONLY. • CONTACT COYLE HAMILTON WITH DETAILS OF PROPOSED USAGE. • QUOTE GIVEN AND COVER GRANTED SUBJECT TO PAYMENT OF APPROPRIATE PREMIUM. • CERTIFICATE OF INSURANCE ISSUED WHICH GAA CLUB WILL REQUIRE BEFORE ACCESS IS GRANTED TO 3RD PARTY.

25. NATIONAL INSURANCE WORK GROUP 2006/9 • ANNUAL BLOCK HIRER INSURANCE • PROVIDE BROKER WITH THE ANNUAL ESTIMATE NUMBER OF EVENT, TYPE OF EVENTS AND NUMBERS ATTENDING • BROKER WILL THEN GIVE A QUOTE AND CLUB CAN INCORPARATE THE PREMIUM INTO THE HIRE CHARGE. • INSURERS WOULD NEED A DESIGNATED PERSON APPOINTED TO KEEP RECORDS OF ALL EVENTS COVERED UNDER THE BLOCK POLICY SO AS TO DISTINGUISE WHETHER AN INCIDENT IF REPORTED COMES UNDER CLG’s INSURANCE OR THE HIRER COVER

26. NATIONAL INSURANCE WORK GROUP 2006/9 EXCLUSIONS CERTAIN ACTIVITIES WILL ALWAYS CAUSE PROBLEMS: • FAIRGROUNDS • BOUNCY CASTLES • ANIMAL SHOWS • COMMERCIAL DISCOS • ROCK/POP CONCERTS • MOTORISED SPORTS OR RACING. • CRAFT DESIGNED TO TRAVEL IN OR THROUGH AIR,SPACE OR WATER UNDERWRITERS WILL EXAMINE EACH REQUEST ON A CASE BY CASE BASIS.

27. NATIONAL INSURANCE WORK GROUP 2006/9 IMPORTANCE OF HIRERS SCHEME • PROTECTION OF OUR OWN SCHEME AND INSURANCE FUND. • IMPOSES ORDER ON AN AREA WHICH WAS POORLY REGULATED. • ALLOWS CLUBS TO PROMOTE THEIR FACILITIES PROPERLY AND RAISE FINANCE IN THE PROCESS. • LONG TERM, IT SHOULD HELP REDUCE PREMIUMS FOR INDIVIDUAL CLUBS. IF NO INDEMNITY FORM OR HIRERS SCHEME CERTIFICATE IS PRODUCED, THEN ACCESS TO OUR PREMISES IS OUT. NO FORM, NO ACCESS!