March 22, 2012
Summit America have to following Camp Insurance programs
For more information, go to http://www.summitamerica-ins.com/programs/index.asp
Or contact Carol Malouf at Carol@summitamerica-ins.com
July 19, 2011
Joe Risser CPCU, ARM-P
Risk Management Design
San Luis Obispo
joerisser@gmail.com
Insurance should always be the solution of last resort for managing risk. It is far more important to prevent, control, and reduce potential losses to protect the campers, staff, camp and operators/owners.
A camp program should be based upon industry principles and practices, compliant with applicable regulations and laws and meeting or exceeding standards of reasonable and appropriate professional care. Development of a comprehensive and cost beneficial insurance program should be based upon thorough description of the camp program (campers, staffing, activities, facilities, location, policies and procedures, etc.) to the insurance agent/broker.
Insurance for a camp operated by college or university department or program may be provided all or in part by the institution. It is critical that the activities and exposures of the camp are reviewed in detail with the campus Risk Manager not only to ensure that the camp is conducted according to campus policies and procedures, but also to identify gaps and obtain insurance which the campus may not have in place.
July 14, 2011
Katharine M. Nohr, Esq.
Nohr Sports Risk Management, LLC
Does your organization use motor vehicles to transport athletes, spectators or others? If so, it is essential for risk management planning to make sure that such vehicles are fully insured in compliance with applicable law. It is a good idea to talk with your insurance agent or broker about the insurance policies that have been purchased in order to ensure that there is sufficient coverage. Policy exclusions should be scrutinized to determine if there will be coverage for the uses of the motor vehicles in question. You will also want to make sure that policy limits are high enough to cover your organization in the case of a catastrophic accident.
Read more
July 14, 2011
Katharine M. Nohr, Esq.
Nohr Sports Risk Management, LLC
Does your organization have flood insurance? If so, are the policy limits high enough to repair your damaged facility and replace damaged equipment? It seems that every time I turn on the news there is a story about flooding somewhere in the world. Those stories combined with the fact that I live on a koi pond, blocks from the ocean and on an island where hurricanes and tsunamis are a constant threat, led me to e-mail my insurance agent inquiring about the possibility of my purchasing flood insurance (I already had hurricane insurance). The agent replied with a quote and I responded accepting his offer. We met at my residence and I showed him the koi pond and wrote a check for the amount of the premium on October 11, 2008. I followed up in an e-mail less than one week later, asking that the agent confirm that my flood insurance coverage was bound. He responded by e-mail, assuring me that he submitted the application and explained that the policy through FEMA would take 30 days to be in effect. This was cause for celebration. While my neighbors worried about the constant threat of the pond flooding (as it had done in 2003), I felt confident that even if it flooded, any losses would be paid under my shiny, new flood insurance policy.
April 07, 2011
Accident Insurance for Intramurals, Sport Clubs and Youth Camps
Summit America, the NIRSA Insurance provider, handles Insurance for a large number of NIRSA institutions.
For more details: Summit America Accident Insurance
April 06, 2011
Everyone Has Questions but Nobody Has Answers
Matt Gaden, Recreation and Fitness Coordinator
University of Colorado at Colorado Springs
Recreational sports professionals never want to see a participant injured while taking part in a programmed activity or competition, but injuries to players are an inevitable part of any Sport Club program. Every university and state has different rules and laws that pertain to risk management, medical insurance requirements, and the university’s responsibility in the event of an injury. This has lead to a variety of different medical insurance requirements which varies from one school to the next.