Gaa insurance work group

GAA INSURANCE WORK GROUP

Provincial Presentations 2009

GAA INSURANCE WORK GROUP 2009

MAIN AREAS FOR DISCUSSION

1. GAA PLAYERS INJURY SCHEME2. GAA PROPERTY INSURANCE3. GAA LIABILITY SCHEME4. ONGOING DEVELOPMENTS5. OVERVIEW

PLAYERS INJURY SCHEME OUTCOME( €M)


PLAYERS INJURY 2009 SCHEME REVIEW CLAIMS NO’S UP BY 3K APPROX. PAYOUT LIKELY TO INCREASE SIGNIFICANTLY. INCREASED TEAM FEES NOT AN OPTION! COSTS MUST BE REDUCED.

OPTIONS?1. ELIMINATE/ REDUCE WAGES COVER?2. REDUCE MEDICAL BENEFITS?3. ELIMINATE PHYSIO?4. IMPOSE LIMITS PER INDIVIDUAL/ CLUB / COUNTY?


GAA PLAYERS INJURY SCHEME REVIEW 60 DAY RULE IN PLACE . WORKING IN NEARLY 95% OF CASES . CLUBS AND COUNTIES NOTIFIED ON 4 DIFFERENT

OCCASIONS THAT IT WAS GOING TO BE IMPLEMENTED! THERE CAN BE NO EXCEPTIONS AS THE OVERALL FIGURES

INDICATE. THE GAA COMMUNICATIONS STRUCTURE IS NOT WHAT IT

SHOULD BE IN SOME CASES AND THERE ARE BREAKDOWNS!


GAA PLAYERS INJURY SCHEME REVIEW HELMET USE NOW COMPULSORY FROM JAN 1,

2010. NO TURNING BACK- EVIDENCE FROM MEDICAL

COMMITTEE AND CONSULTANTS IS BEYONG ARGUMENT!

310 SERIOUS EYE INJURIES, 52 WERE HOSPITALISED AND 6 PERMANENTLY BLINDED.

JAMESIE O’CONNOR ” IF ONE EYE SAVED IN THE NEXT 10 YEARS, GAA WILL HAVE DONE ALL ITS MEMBERS A GREAT SERVICE”

GAA INSURANCE WORK GROUP 2009GAA PLAYERS INJURY SCHEME REVIEW GRUESOME THESE PHOTOS MAY BE BUT THEY

DO ILLUSTRATE DAMAGE THAT CAN BE DONE IN GAA FIELD SPORTS.

WE AIM TO MOVE ON THE GUMSHIELD / MOUTHGUARD ISSUE ALSO.


GAA INJURY SCHEME REVIEW ONLINE REGISTRATION IN PLACE FOR 2010 FOR

MOST COUNTIES. SHOULD ELIMINATE MANY PROBLEMS RE CLUBS

NOT BEING REGISTERED AND THUS CLAIMS NOT ABLE TO BE DEALT WITH.

INDIVIDUAL RECORDS OF CLUBS AND COUNTIES WILL HAVE TO COME INTO PLAY IN FUTURE IF THE SCHEME IS TO SURVIVE!


GAA PROPERTY INSURANCES INCOME IS €1.1M APPROX. LAST YEAR OVER €3

MILLION PAID & RESERVED. THIS YEAR’S PAYOUT LOOKS LIKE €1.5M APPROX. ONLY SAVING GRACE IS THAT OUR 5 YEAR

RECORD IS BETTER. MAIN WORRIES ARE WATER( FLOODING/BURST

PIPES), FIRE AND BREAK INS. WE CAN EXPECT A RISE IN PREMIUM. OUR HOUSE KEEPING HAS TO IMPROVE!


EXAMPLES OF POOR STANDARDS


PROPERTY EXAMPLES


GAA LIABILITY INSURANCE COVERS EMPLOYERS & PUBLIC LIABILITY

INSURANCE WE SELF FUND UP TO €1.5MILLON INCLUDES FAS SCHEMES RUN BY CLUBS ON GAA

PROPERTY ALL CLUBS SHOULD HAVE A HEALTH & SAFETY

STATEMENT. CLUBS SHOULD CONFORM WITH ANY NSAI

STANDARDS INTRODUCED, SUCH AS I.S 356/357-2007 – GOALPOSTS & I.S355 - HELMETS


LEASED PROPERTY LEASED PROPERTY – CLUBS SHOULD NOT ENTER

A LEASE FOR MORE THAN 4 YEARS AND 9 MONTHS

THE LESSEE SHOULD PRODUCE EVIDENCE OF THEIR EL & PL COVERS WITH INDEMNITY LIMITS OF €13M & €6.5M RESPECTIVELY AND IT SHOULD INCLUDE A SPECIFIC INDEMNITY TO CLG/CLUB.

GAA INSURANCE WORK GROUP 2009 HIRERS POLICY ANNUAL POLICY PUT IN PLACE WITH EFFECT

FROM 01.01.09 THE POLICY IS AIMED AT CLUBS WITH FACILITIES

FOR HIRE AND TO ELIMINATE NON GAA CLAIMS FROM THE MAIN GAA POLICY.

IT DOES NOT ELIMINATE THE REQUIREMENT THAT ORGANIZATIONS ,SUCH AS, AEROBICS OR ART CLASSES SHOULD PRODUCE EVIDENCE OF THEIR INSURANCE WITH SIMILAR LIMITS AND INDEMNITIES MENTIONED EARLIER.

THE POLICY IS SUBJECT TO A €1,500 EXCESS EACH AND EVERY CLAIM.

GAA INSURANCE WORK GROUP 2009 EXCLUDED ACTIVITIES CIRCUSES/FAIRGROUNDS BOUNCY CASTLES/BUNGEE

JUMPING/INFLATABLES AND /OR TRAMPOLINES ANIMAL SHOWS COMMERCIAL DISCOS ROCK/POP CONCERTS MOTORISED SPORTS OR RACING PARACHUTE JUMPING/ABSEILING OR ROCK

CLIMBING OR OTHER DANGEROUS ACTIVITIES FIREWORKS DISPLAYS. CLG WILL EXAMINE EACH REQUEST ON A CASE

BY CASE BASIS


LIABILITY UPDATE 2009 THE TOTAL AMOUNT PAID AND O/S SINCE THE

INCEPTION OF THE POLICY IS CURRENTLY RUNNING AT €29M

PAYMENTS SINCE THIS TIME LAST YEAR IS STAND AT €1.8M. THIS EXCEEDS THE CURRENT DEDUCTIBLE OF €1.5M

CLAIMS REPORTED THIS YEAR ARE 33% UP ON IMS REPORTED CLAIMS THIS TIME LAST YEAR

THE ABOVE FIGURES CONFIRM THE NEED FOR US TO BE MORE VIGILANT IN MANAGING OUR FACILITIES AND THUS REDUCE CLAIMS.


LIABILITY EXAMPLES

JCB SCOREBOARD



ONGOING DEVELOPMENTS UPGRADED WEB SITE SAFETY STATEMENTS TO BE TIED TO GRANT

PAYMENTS. INSURANCE ADMINSTRATOR REVIEW STREAMLINE PLAYERS INJURY SCHEME CLUB PROPERTY MANUAL COUNTY SEMINARS


OVERVIEW MUCH CLOSER SCRUTINY OF PLAYERS INJURY

SCHEME, COUNTY BY COUNTY. NEED TO STREAMLINE ADMINISTRATION COMMUNICATION OF MESSAGE IS PARAMOUNT! NEED TO MANAGE OUR RISK MUCH BETTER RE

GAA PROPERTY AND LIABILITY RIGHT DOWN TO CLUB LEVEL.

OUTLAYS INVOLVED FOR OUR CLUBS MAKE THIS AN IMPERATIVE!

Documents

Gaa insurance work group