Risk Management Ken Haas USA Hockey Atlantic District Risk Manager - PowerPoint PPT Presentation

Risk Management for Officials Risk Management Ken Haas USA Hockey Atlantic District Risk Manager 215-341-1488 1

Risk Management for Officials Risk Management Risk Management What you need to know… 2

Risk Management for Officials  What do you need to know?  Pennsylvania Act 15  Insurance Issues  Inj ury Reporting  Official’ s Responsibilities  S anctioned event Risk Management for Officials  Where does risk management start?  WITH YOU!  Why important?  Protect our players/ participants  Keeps insurance premiums/ costs relatively low 3

Pennsylvania Act 15  The Act applies to all officials 14 years old and older  These officials are required to obtain three certifications:  Child Abuse certification “ https:/ / www.compass.state.pa.us/ CWIS”  Criminal History Record certification www.psp.pa.gov/  Federal Criminal History certification  To request FBI reports, costing approximately $28.75. Applicant must submit a full set of fingerprints to the Pa. S tate Police or its Risk Management for Officials authorized agent for submission to the FBI to verify the identity of the applicant. Find application forms and instructions at https:/ / www.pa.cogentid.com/ index_pdw.htm or by calling 1-888- 439-2486.  A paid minor can have his parent or natural guardian sign a similar affidavit to be exempted from the FBI certificate.  Assignors are required to check these certifications 4

Pennsylvania Act 15  When must the official obtain these certifications:  A current official must obtain certifications by December 31, 2015  A new official must obtain all certifications before beginning service.  What results disqualify an Official? 1. The applicant is “ named in the statewide database maintained by the Department of Human S ervices as the perpetrator of a founded child abuse report Risk Management for Officials committed within the five-year period immediately preceding verification” . 2. the applicant has been convicted of one or more of the offenses enumerated in Act 15 (relating to crimes and offenses) or an equivalent crime under Federal law or the law of another state . These rules are a little complicated and the Act should be  consulted for further detail. 5

Insurance  Coverages provided by US A Hockey  Participant Accident (Excess)  Catastrophic Coverage ($2,000,000)  Applies once the Excess Accident coverage limit is exceeded  General Liability ($2,000,000) Risk Management for Officials  Protects participants from claims of third parties  Directors & Officers ($1,000,000)  Applies to non-profit associations (e.g., Clubs, Districts)  S ituations such as alleged wrongful termination of a coach  Crime  Embezzlement 6

Insurance  General Liability Coverage  Registered members participating on a US AH registered team in a sanctioned event.  Coverage limits of $2,000,000, per occurrence, with no general aggregate limit (subj ect to various exclusions and limitations).  You are covered while acting within the scope of your Risk Management for Officials responsibilities on behalf of US AH.  Coverage for practices, exhibitions, scrimmages, games, fundraising, team meetings, banquets and other sanctioned events.  S exual Abuse & Molestation: $2M per person with $11M Aggregate  Hockey Criminal Coverage: Provides a defense as a result of an on-ice altercation resulting in criminal allegations against the official 7

Insurance  Participant Accident (Excess) Coverage  Registered members participating on a US AH registered team in a sanctioned event.  Coverage is on an excess basis  Covered medical and dental expenses are payable, secondary to Risk Management for Officials any valid and collectible insurance, subj ect to various limitations.  The deductible portion up to $1,000 of any primary insurance is neither covered nor eligible for reimbursement.  If the registered member has no valid and collectible primary insurance, a $3,500 deductible applies. 8

Insurance  Claim Reporting – Participant Accident  File a claim with the participant’ s primary insurance carrier.  Contact Risk Manager or Referee-in-Chief for a claim form.  Complete claim form, have it signed by RIC, and forward it with EOBs and other receipts/ invoices to the insurer Risk Management for Officials identified on the claim form for consideration and payment. 9

Concussions Risk Management for Officials 10

Spinal Cord Injuries  Heads Up Hockey: Head Inj uries are Preventable  You can raise your players’ awareness of spinal inj uries and concussions by learning more about how inj uries happen.  The upper spinal column has a natural curve, which lends flexibility when the head is in a normal “ Heads Up” position.  But when the head is flexed (chin toward the chest), this Risk Management for Officials normal curve is removed.  According to research, almost ALL on-ice cervical spine inj ruies have been due to the head being slightly flexed (head down) while making contact with boards or goal post.  HEADS UP – DON’ T DUCK! 11

Spinal Cord Injuries  Catastrophic Inj ury: Contact your District Risk Manager Risk Management for Officials 12

Spinal Cord Injuries  Look-Up Line: an adj unct to decreasing the risk of head and neck inj uries. It serves to warn players to keep their head up, to be careful not to body check players from behind, and to remind coaches and officials to continue to warn players about safety in hockey. Risk Management for Officials 13

Other Insurance Issues  Incident Reports  Report only the Facts,  Do not provide your thoughts or opinions,  Do not use adj ectives to make your point or support you penalty call,  Incorrect procedure: “ Player A77 violently and viciously checked Player B25 head-first into the boards” Risk Management for Officials  Correct procedure: “ Player A77 checked Player B25 head-first into the boards”  S creening  US A Hockey will not allow participation to anyone who refuses to consent to be screened. 14

Sanctioned Event  Registered Team  Participants in a sanctioned game or practice will be made up of players and coaches listed on an approved US A Hockey registration form.  S anctioned Events  All normal ice hockey-related activities, such as games, Risk Management for Officials practices and scrimmages, between properly registered US A hockey teams are automatically sanctioned. Also, fundraising, team meetings, banquets and other team/ club events may be sanctioned. To verify if an event is sanctioned, contact your Risk Manager. 15

Risk Management If you need further information or have questions, please feel free to contact me: Ken Haas Risk Management for Officials US A Hockey, Atlantic District Risk Manager (215) 341-1488 khaas77@ verizon.net 16