Cork Club Night

GAA Insurances & Players Injury Schemes

Autumn 2009

CORK CLUB NIGHT 2009

CONTENTS

1. LIABILITY UPDATE INC NEW BLOCK HIRERS POLICY

2. PLAYERS INJURY SCHEME REVIEW

3. PROPERTY INSURANCE AND BACKGROUND TO RENEWAL

4. OVERVIEW INC Q&A

CORK CLUB NIGHT 2009

PREMIUM UPDATE OVERALL NATIONAL PREMIUM UNCHANGED FOR 09 INC

ADDITION OF NEW BLOCK HIRERS POLICY.

KERRY PREMIUM SHARE WENT FROM €120K TO €60K LAST YEAR AND BACK UP TO €120K FOR 09 DUE TO CLAIMS.

CORK PREMIUM WENT FROM €258K TO €295K BACK TO €253K BETWEEN 2007/2009.

GAA POLICY TO BE FOLLOWED RE USE OF PREMISES. PENALTIES WILL FOLLOW BREACHES.

LEASED PREMISES- BE CAREFUL!

USE OF GYMS MUST BE REGULATED.

HIRE OF FACILITIES- KNOW THE RULES.

NO COVER FOR ROAD EVENTS (UNDER REVIEW!)

Liability Claims- some Kerry & Cork examples1. Female fell off horse during jamboree at club

grounds. Settled for €11k.

2. Goal posts allegedly fell on claimant’s head. Cost of claim is €6k.

3. Plaintiff injured when bar stool collapsed underneath him. Case settled at €46k.

4. Plaintiffs injured by falling hatch door at club premises. Settled for €16,000.

5. 12 year old girl fell off sports equipment at club grounds breaking her arm. Claim settled for €22k

6. Claimant fell on slippery floor while exiting club toilets. No cleaning system in place. Settled for €27k.

Cork Club Night 2009

Cork Club Night 2009

Liability Claims- some Kerry & Cork examples

1. Plaintiff alleged head & neck injuries whilst driving over gulley at club entrance. GAA 25% liable at €77k.

2. Plaintiff fell on defective stairs. Claim shared between GAA & festival committee at €125k.

3. Plaintiff (committee member) sued GAA club after falling over 2 girls sitting on a step. Not a paid up member at the time. Claim cost over €40k to settle.

4. Plaintiff (minor) lost tip of finger on wire whilst pitch was being used by local national school. Reserve of €225K. GAA will be found part liable.

5. Plaintiff broke ankle on wet floor during TP dance at GAA club. Settled for €74,000.

Markets & Martial Arts

Farmers Market & Taekwondo Martial Arts in a Swords GAA

Club……

Bungee Jumping & Bouncy Castles

Bungee jumping in a Cavan GAA Club & Bouncy Castle in another Ulster club

“BOUNCY CASTLES: 3 Irish women suffer broken necks and are paralysed for life this year alone”

Dr Barry Maguire, Mater Hospital, Irish Independent

JCB Scoreboard

Events requested by Clubs

Fairgrounds/Circuses/ Big Foot Car Squashing Events

Beauty Salons & various Businesses run from GAA Clubs

Boat Races/Regattas, Charity Cycles/Runs/Walks

Children’s Playgrounds, Crèche Facilities, Santa’s Grottos inc. animals

Rock/Folk Concerts, Dances, discos

Bungee Jumping, Bouncy Castles and other inflatable slides

Pony/Donkey Rides/ Cow Pat Bingo, Sheep Shearing

Helicopter Landings

Bar-B-Ques/Bars/Hooleys/Set Dancing

Gymnasiums open to the public or leased to Third Parties

Events requested by Clubs

Community Games, Clubs using facilities for sports, Summer Camps

Part use as functioning schools, car parks, community centres, Mobile Phone Masts, Bottle Banks, Private Apartments for Renting

Use by Health Boards and other Government Departments or by other “local” Third Parties, Weight Watchers, Scouts, Bridge Club, Prayer Groups, Soccer/Rugby/Badminton Clubs.

21st Birthday Parties, Weddings, Funerals

Use of Third Party Premises

Construction - Self Build Programmes,

Poc Fadas/Scór/ Féile na nGael/ Féile Peile na nOg/Cumann na mBun Scoil

All Ireland Homecoming Parades inc use of flatbed trailers as stages

CORK CLUB NIGHT 2009

BLOCK HIRERS POLICYNON GAA CLAIMS NOW TO BE DEALT WITH UNDER NEW

SEPARATE POLICY.

CLUB RESPONSIBLE FOR FIRST €1,500 EACH AND EVERY

SUCH CLAIM.

CLUBS WITH FACILITIES FOR HIRE WILL GET A SEPARATE

CHARGE FOR THIS.

EVIDENCE OF INSURANCE WILL STILL BE NEEDED FOR

COMMERCIAL HIRERS SUCH AS AEROBICS, DANCING, ETC.

LIST OF PROBLEM ITEMS AS BEFORE.

E.G. LA na gCLUB.

CORK CLUB NIGHT 2009

PLAYERS INJURY SCHEME

TARGET INCOME €9.5M. TOOK IN €8.8M TO JUST

BREAK EVEN.

CHALLENGE GAMES- PERMIT NEEDED 48 HRS IN

ADVANCE BY E-MAIL TO COUNTY SEC.

COUNTY BOARD REFS NEEDED FROM MINOR UP

FOR SUCH GAMES.

CHANGE IN REGISTRATION SYSTEM PROPOSED.

RISE IN DENTAL INJURIES IS ALSO A CONCERN.

CORK CLUB NIGHT 2009

PLAYERS INJURY SCHEME

ONLY APPROVED PHYSIOS/PHYSICAL

THERAPISTS. MUST BE MEDICALLY PRESCRIBED.

TAKE UP BY SCHOOLS & COLLEGES OF CONCERN.

60 DAY RULE HAVING AN IMPACT.

FIRST 2 PAGES OF CLAIM FORM (www.gaa.ie).

LATE NOTIFICATIONS WILL NOT BE DEALT WITH.

GAA SCHEME TO BE USED AS LAST RESORT.

CORK CLUB NIGHT 2009

PROPERTY INSURANCES

DISASTROUS RUN SINCE AUGUST, IE OVER €3M PAID AND O/S WHEN PREMIUM IS APPROX €1M.

FIRES €2M+, FLOODS €750K AND BREAK INS €250K.

LOSS RATIO GONE FROM 40% TO 130% OVER 5 YEAR PERIOD.

RENEWAL HAS BEEN VERY DIFFICULT.

FIRST HALF OF 2009 VERY POOR AGAIN.

AGAIN, INDIVIDUAL RECORDS COME INTO PLAY OVER ROLLING 5 YEAR BASIS.

CORK CLUB NIGHT 2009

PROPERTY INSURANCES

RISE IN BREAK INS IS WORRYING. CLUBS WILL

HAVE TO IMPROVE SECURITY WHERE NEEDED.

TROPHIES NEED TO BE INSURED.

CASH HANDLING SYSTEMS NEED TO IMPROVE.

ONGOING MAINTENANCE ESSENTIAL. BE CAREFUL

WITH BUILDING COVER

MOWERS & TRACTORS ISSUE.

€4,000 EXCESS PER CLAIM.

Cork Club Night 2009

Note to Delegates:

If you take nothing else

away from tonight, go

back to your club and

ensure your juvenile posts

are safe!

CORK CLUB NIGHT 2009

SUMMARYNEW POLICY RE USE OF PREMISES.

INTENTION IS TO HELP CLUBS BUT NON

COMPLIANCE WILL COST!

PLAYERS INJURY SCHEME IS AT BREAK EVEN SO

IT WILL BE TIGHTLY MONITORED IN 09.

WE CANNOT AFFORD ANOTHER PROPERTY YEAR

LIKE 08 THIS YEAR. ITS NOT LOOKING GOOD!

CLUBS AND COUNTIES MUST PROTECT OUR OWN!