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Gaa insurance work group

Gaa insurance work group. Provincial Presentations 2009. GAA INSURANCE WORK GROUP 2009. MAIN AREAS FOR DISCUSSION GAA PLAYERS INJURY SCHEME GAA PROPERTY INSURANCE GAA LIABILITY SCHEME ONGOING DEVELOPMENTS OVERVIEW. PLAYERS INJURY SCHEME OUTCOME( €M). GAA INSURANCE WORK GROUP 2009.

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Gaa insurance work group

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  1. Gaa insurance work group Provincial Presentations 2009

  2. GAA INSURANCE WORK GROUP 2009 MAIN AREAS FOR DISCUSSION • GAA PLAYERS INJURY SCHEME • GAA PROPERTY INSURANCE • GAA LIABILITY SCHEME • ONGOING DEVELOPMENTS • OVERVIEW

  3. PLAYERS INJURY SCHEME OUTCOME( €M)

  4. GAA INSURANCE WORK GROUP 2009 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? • ELIMINATE/ REDUCE WAGES COVER? • REDUCE MEDICAL BENEFITS? • ELIMINATE PHYSIO? • IMPOSE LIMITS PER INDIVIDUAL/ CLUB / COUNTY?

  5. GAA INSURANCE WORK GROUP 2009 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!

  6. GAA INSURANCE WORK GROUP 2009 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”

  7. GAA INSURANCE WORK GROUP 2009 GAA 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.

  8. GAA INSURANCE WORK GROUP 2009 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!

  9. GAA INSURANCE WORK GROUP 2009 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!

  10. GAA INSURANCE WORK GROUP 2009 EXAMPLES OF POOR STANDARDS

  11. GAA INSURANCE WORK GROUP 2009 PROPERTY EXAMPLES

  12. GAA INSURANCE WORK GROUP 2009 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

  13. GAA INSURANCE WORK GROUP 2009 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.

  14. 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.

  15. 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

  16. GAA INSURANCE WORK GROUP 2009 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.

  17. GAA INSURANCE WORK GROUP 2009 LIABILITY EXAMPLES

  18. JCB SCOREBOARD GAA INSURANCE WORK GROUP 2009

  19. GAA INSURANCE WORK GROUP 2009 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

  20. GAA INSURANCE WORK GROUP 2009 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!

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