Insurance Presentation: CoachesFebruary, 2010

ESIX Divisions

Individual Athletes Teams/Associations Special Events Contractual Bonus

Established in January, 1994

Specialize in providing risk management expertise and insuranceproducts to the Sports and Entertainment Industries

“Everything You Need to Know About Insurance

But Were Afraid to Ask”

As a USAT Certified Coach, Why Do I Need Insurance?

• Certification holds higher level of responsibility

• Potential bodily injury to student

• Potential claim from improper training

• Medical expenses associated with student injuries

What Insurance is Provided To Meas a Certified USAT Coach?

• General Liability – Coverage for 3rd party claims

Bodily Injury Personal Injury Property Damage Abuse/Molestation - Sublimit of $1,000,000 Host Liquor Liability

Limits: $1,000,000 Each Occurrence / $2,000,000 AggregatePER COACH

Coverage extends to cover certified USAT coaches but only as such during the coaching of an individual in the sport disciplines approved by USA Triathlon.

What Insurance is Provided To Me as a Certified USAT Coach?

• Participant Accident – Coverage to protect coach

Accident vs. Sickness

$5,000 Accident Death Benefit

$25,000 Medical Expense Limit

$500 Deductible

Secondary to any other coverage

Coverage applies while coaching or training students in triathlon approved activities.

Important Questions:

1. Does the USAT certified program cover me when I am coaching a participant during a USAT sanctioned event?

Important Questions:

2. Are the medical expenses of a student injured during an approved activity covered?

• Non-sanctioned event

• Sanctioned event

Important Questions:

3. Are there other areas, where as a coach, I could be exposed?

• Business Exposure

• Personal Property

• Workers Compensation

• Medical Coverage

• Use of Auto for Business

Important Questions:

4. Why is coverage limited to USAT/triathlon activities?

5. What are the defined sport disciplines?

6. Should I collect waivers?

Proper Equipment is Important!

QUESTIONS?