Risk Management Ken Haas USA Hockey Atlantic District Risk Manager 1
Risk Management Risk Management What you need to know 2
Risk Management for Coaches What do you need to know? Pennsylvania Act 15 Insurance Issues Injury Reporting Team Responsibilities Sanctioned event 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 coaches 14 years old and older These coaches 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. State Police or its 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_pdenew.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. Leagues/Organizations are required to check these certifications 4
Pennsylvania Act 15 When must the coach obtain these certifications: A current coach must obtain certifications by December 31, 2015 A new coach must obtain all certifications before beginning service. What results disqualify a Coach? 1. The applicant is named in the statewide database maintained by the Department of Human Services as the perpetrator of a founded child abuse report 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 USA Hockey Participant Accident (Excess) Catastrophic Coverage ($2,000,000) Applies once the Excess Accident coverage limit is exceeded General Liability ($2,000,000) Protects participants from claims of third parties Directors & Officers ($1,000,000) Sometimes called Errors & Omissions Applies to non-profit associations (e.g., Clubs, Districts) Situations such as alleged wrongful termination of a coach Crime Embezzlement 6
Insurance General Liability Coverage Registered members participating on a USAH registered team in a sanctioned event. Coverage limits of $2,000,000, per occurrence, with no general aggregate limit (subject to various exclusions and limitations). You are covered while acting within the scope of your responsibilities on behalf of USAH. Coverage for practices, exhibitions, scrimmages, games, fundraising, team meetings, banquets and other sanctioned events. Sexual Abuse & Molestation: $2M per person with $11M Aggregate 7
Insurance Participant Accident (Excess) Coverage Registered members participating on a USAH registered team in a sanctioned event. Coverage is on an excess basis Covered medical and dental expenses are payable, secondary to any valid and collectible insurance, subject 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 club registrar or other applicable official for a claim form. The form is in the Club s registration software. Complete claim form, and forward it with EOBs and other receipts/invoices to the insurer identified on the claim form for consideration and payment. 9
Other Insurance Issues Automobile Coverage USA Hockey does NOT provide automobile insurance coverage. Ensure that if your team is traveling together that those who are driving have automobile coverage. 15 Passenger Vans Safety Considerations People aren t used to driving large vehicles Snow & Ice Overloaded & Top Heavy Inexperienced drivers (e.g. young) Personal Insurance Issues Some personal auto insurance policies exclude these vehicles. 10
Injuries First Aid-Kit Content Suggestions Amount Item 10 Rubber Gloves 10 4x4 Gauze Pads 10 Antiseptic/Alcohol Wipes 10 Antibiotic Cream 1 Bandage Scissors 5 Instant Cold Packs 1 Misc. Bandaids 2 Ace Wraps Advil 1 CPR Mask 10 Zip Lock Bags for Ice 1 First Aid and CPR Guide 1 Shoulder Sling 1 Sam Splint 2 Triangle Bandages 1 Flexible Clear Tape 11
Concussions 12
Spinal Cord Injuries Heads Up Hockey: Head Injuries are Preventable You can raise your players awareness of spinal injuries and concussions by learning more about how injuries 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 normal curve is removed. According to research, almost ALL on-ice cervical spine injruies have been due to the head being slightly flexed (head down) while making contact with boards or goal post. HEADS UP DON T DUCK! 13
Spinal Cord Injuries Catastrophic Injury: Contact your District Risk Manager 14
Spinal Cord Injuries Look-Up Line: an adjunct to decreasing the risk of head and neck injuries. 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. 15
Injury Reporting 16
Locker Room Supervision Locker Room Supervision USA Hockey is concerned with locker room activities between minor players; minor players and adult players; adults being alone with individual minor players in locker rooms; and with nonofficial or non-related adults having unsupervised access to minor participants at sanctioned team events. It is the policy of USA Hockey and USA Hockey InLine that all Affiliates, Districts, leagues, and local hockey programs have at least one responsible adult present directly monitoring the locker room during all team events to assure that only participants, (coaches and players), approved team personnel and family members are permitted in the locker room and to supervise the conduct in the locker room. Any individual meetings with a minor participant and a coach in a locker room shall require a responsible adult be with the coach. Further, responsible adults must personally monitor the locker room environment at all times while participants are present and also make sure the locker room is appropriately secured during times when minor participants are on the ice. Teams, leagues and local hockey associations shall also comply with the USA Hockey Coed locker room policy. 17
Locker Room Supervision Locker Room Supervision Why? A couple of notes on this policy... Our youth players need to know that their hockey environment is safe. This policy ensures that a responsible adult is looking over their shoulders at all times. All locker room monitors should be gender correct and the co-ed locker room policy must be followed as described in the current USA Hockey Guide. All monitors must be screened and otherwise meet all USA Hockey screening standards. Property Damage and physical & mental abuse. 18
Locker Room Supervision Locker Room Supervision Why? Do you really need to ask 19
Locker Room Supervision Locker Room Supervision Why? How would you explain this to a parent that entrusted their child to you as a coach? 20
Sanctioned Event Registered Team Participants in a sanctioned game or practice will be made up of players and coaches listed on an approved USA Hockey registration form. Sanctioned Events All normal ice hockey-related activities, such as games, practices and scrimmages, between properly registered USA hockey teams are automatically sanctioned. Also, fundraising, team meetings, banquets and other team/club events may be sanctioned. The selling of alcoholic beverages will not be sanctioned and such sales are not covered by USA Hockey s insurance program. To verify if an event is sanctioned, contact your Risk Manager. 21
Risk Management If you need further information or have questions, please feel free to contact me: Ken Haas USA Hockey, Atlantic District Risk Manager (215) 341-1488 khaas77@verizon.net 22