Archive for the ‘Football’ Category

Heads Up Football’s False Concussion Claims Exposed by New York Times

A recent article in the New York Times entitled “N.F.L.-Backed Youth Program Says It Reduced Concussions. The Data Disagrees” has exposed USA Football / Heads Up Football for publicizing misleading data and conclusions about the findings in the Datalys study. In their blogs, USAFB crowed about the effectiveness of the Heads Up Football program in reducing concussions; however, the actual data from the study do not support this.

Sadler Sports Insurance realized that misleading statements were being made several months ago after an independent review of the Datalys Study and mentioned this in our blog entitled AYF Study: 2005-15 Concussion Trends in Youth Tackle Football. We are in favor of getting the head out of the tackle, but have serious concerns about any program that publishes misleading conclusions in its blogs, especially when making the claim that their program is the standard in youth tackle football.

USAFB hired Datalys to study effectiveness of HUF and  practice contact restrictions

USAB hired and funded Datalys Center, an independent research firm specializing in sports injury research and prevention, to study player safety in youth football on a national level. They did so in an effort to promote safer playing standards and lessen injury risk, including concussions. Datalys completed a study in 2014 entitled Comprehensive Coach Education and Practice Contact Restriction Guidelines Result in Lower Injury Rates in Youth American Football.  The study compared overall injury rates, lost time injury rates, and concussion rates between three groups:

  1. Heads Up Football Leagues with Practice Restrictions (Combined HUF | Practice restriction)
  2. Heads Up Football Leagues without Practice Restrictions (HUF Only)
  3. Non Heads Up Football Leagues (Non HUF)

The study has been widely cited by USAFB and the NFL as evidence that Heads Up Football  leagues have significantly fewer injuries and fewer concussions than Non HUF leagues.

The unstated reason for the study was to prove that the HUF Only group significantly reduced concussion rates vs the Non HUF group.

It’s my opinion that the primary reason for the study was to find out if the HUF initiative reduces concussion rates in youth tackle football. Youth tackle football is under attack by the media and various researchers and activists, not because there are too many overall injuries, but instead because there are too many concussions and subconcussive impacts.

However, the statistics generated from the study were not favorable for the HUF Only leagues as regards to reduction of concussion rates. The concussion rates for the Non HUF leagues were actually a little lower than the HUF Only group, as will be explained.

USAFB made misleading claims about Datalys study

In various online publications such as its blog, USAFB made the following statement as regards the Datalys study (but recently taken down):

“Compared to non-Heads Up Football leagues, leagues that adopted Heads Up Football had a 34 percent reduction in concussions in practices and a 29 percent reduction of concussions in games.”

To the extent this statement appears to compare HUF Only leagues vs. Non HUF leagues, this is just not true according to Table 2 in the 2014 Datalys study.

What the math really says about concussion rates in HUF Only leagues vs Non HUF leagues

Table 2 of the Datalys study indicated the following about concussion rates in Combined HUF | Practice restriction leagues vs. HUF Only leagues vs. Non HUF leagues:

 

Practice concussion rate

Game concussion rate

Combined HUF|Practice restriction

.19

 

.68

HUF Only

.65

 

1.50

Non HUF

.58

 

1.46

Concussion rate is the rate per 1000 “athlete-exposures,” defined as one athlete’s participation in one practice or one competition.

It’s clear that the concussion rates are actually slightly greater for the HUF Only leagues as compared to the Non HUF leagues in both practices and in games, although these slight differences were statistically insignificant.

Practice restrictions drove the reduction in concussion rates in the study

The Combined HUF | Practice Restriction Group produced significantly lower concussion rates as compared to both the HUF Only leagues and the Non HUF leagues. Why is this the case? Is it the combined synergistic effect of HUF + practice restrictions or is it primarily due to practice restrictions?

The researchers lamented not having a group of leagues to study that consisted of leagues with practice restrictions, but not HUF. That is the only true way to isolate the practice restriction variable. Regardless, instituting HUF without practice restrictions did not reduce concussions.

Was a new group formed after the fact to rescue HUF?

It is possible that the misleading statistics referenced in the USAFB blogs differ from the Datalys study due to an attempt to rehabilitate the poor HUF Only performance?  A new group may have been formed, called “Leagues that implemented Heads Up Football,” consisting of all leagues that used HUF, regardless of whether or not they also used practice restrictions. Data from this new group is consistent with the statistics that were referenced in the USAFB blogs, which USAFB has since taken down. Because the injury rates were much lower in HUF leagues that used practice restrictions, the Datalys report separated out these groups to show the difference, whereas the USAFB blogs may have combined these groups to hide these differences. The statistics that were created in the blogs were misleading because they implied that HUF was the driving force behind lower injury rates and don’t give the practice restrictions the proper credit.

Our conclusions and what this means for brain injury / concussion risk management

We still believe that removing the head from the tackle is an important element of a youth tackle football brain injury / concussion risk management program.  However, it is clearly not the primary solution as touted by USAFB and the NFL. USAFB has hurt its credibility with this misleading marketing campaign.

AYF Study: 2005-15 Concussion Trends in Youth Tackle Football

Provides perspective for impact of education, getting head out of tackle, and practice restrictions

The latest American Youth Football (AYF) study on concussion trends reveals that education of administrators, coaches, parents, and players is having a positive impact on the identification of and more aggressive response to concussions. On the other hand, popular initiatives to remove the head from the tackle and practice contact restrictions may have a more limited role than portrayed by various groups due to the high percentage of concussions that would not be impacted by these measures. Nevertheless, these initiatives are important components of a broad based brain injury/concussion risk management program.

Updated statistics based on Accident insurance claims for 2005-15 seasons

AYF is the largest youth football organization in the U.S. and represents a wide cross section of players aged five to 15.  The data in this study is based on Accident insurance claims filed with the endorsed AYF insurance program through Sadler Sports & Recreation Insurance. An injury questionnaire consisting of some 20 questions is completed by the authorized team official as a part of the claims filing process and the answers are input into a database. A variety of reports can be produced to drill down to answer specific questions about concussions. The study includes 3,855 injuries reported from 2005 through 2015 of which 434 are concussions. This study is a representative sample of concussion trends occurring not only in AYF, but in youth tackle football as a whole.

Concussions as a percentage of total injuries

What this tells us about the positive impact of concussion education
 

2015 14.48%
2014 16.18%
2013 16.41%
2012 15.99%
2011 11.55%
2010 7.73%
2009 8.20%
2008 6.36%
2007 5.88%
2006 3.80%
2005 6.72%
Total All Years 11.26%

Notice the spike in concussions reported in 2011 and continuing through 2015. This coincides with the media reports of the NFL class action lawsuit, other concussion related lawsuits, autopsies indicating CTE in deceased pro football players, and anecdotal stories of disabled pro athletes. This also coincides with the beginning of widespread and heavily publicized educational efforts on behalf of the Center for Disease Control and various football-sanctioning and governing bodies on concussion recognition, removal-from-play, medical response, and return-to-play protocols.

It appears that the media attention and educational efforts to train administrators, coaches, parents, and players are having a positive impact in that concussions are taken more seriously and reported more frequently than in past years. Suspected concussions are resulting in increased rates of emergency room and doctor office visits, and diagnosed concussions are resulting in more follow up care as pertains to return-to-play protocols. Overall, Accident insurance carriers are experiencing increased claims payouts for concussion care.

Concussion by situation (physical cause at point of contact)

What this tells us about initiatives to remove the head from the tackle and to limit contact at practice
 

Tackled by player 23%
Contact with ground 23%
Collision with opponent 18%
Tackling player 7%
Blocked by player 7%
Collision with teammate 6%
Blocking player 5%
Other 3%
Total 100%

The initiative to take the head out of contact as detailed by the Seahawks Tackling video or Heads Up Football (HUF) is very important, but not the magic silver bullet to solve the concussion problem in youth tackle football.

For argument’s sake, assuming that the initiative to remove the head from the tackle is 100% effective in reducing concussions (Datalys study by Kerr on HUF refutes this – see paragraph below), this would result in a reduction of concussions by 30% (sum of tackled by player 23% plus tackling player 7%). If heads-up blocking is added to this equation, that would result in a total reduction of 42% (add blocked by player 7% plus blocking player 5%). The other 58% of concussion claims that occur due to contact with ground, collision with opponent, collision with teammate, and other would not be touched by this initiative.

The above analysis assumes that HUF is 100% effective in reducing concussion claims arising from tackling and blocking. To the contrary, the Datalys study by Kerr in Table 2 indicates that HUF-only leagues have slightly higher concussion rates that non-HUF leagues. Let’s hope that future concussion studies with more participants reach a different conclusion.

On the other hand, the initiative to limit contact at practice would likely have a larger impact in reducing concussions among more categories of physical causes of loss, including contact with ground, collision with opponent, and collision with teammate.

Concussion by activity being performed

 

Tackling 33%
Running with ball 30%
Blocking 15%
Running w/out ball 6%
Shedding blocker 5%
Passing 3%
Catching ball 2%
Recovering fumble 1%
Other 5%
Total 100%

Concussion by event type (practice or game)

What this tells us about initiatives to remove the head from the tackle and to limit contact at practice
 

Practice 32%
Game 65%
Other 3%
Total 100%

Since most concussions occur during games and not practices, the initiative to limit contact at practice would only impact those 32% of concussions that occur during practice. With regard to the initiative to remove the head from the tackle, it’s easier to get the head out of the tackle in controlled practice drills as opposed to live action during games, and as a result, its effectiveness should be expected to be diminished as well.

Concussion by position played

 

Running back 20%
Linebacker 16%
Defensive line 16%
Quarterback 10%
Offensive line 8%
Secondary 7%
Receiver 4%
Practice drills 4%
Kickoff returner 2%
Kickoff blocker 2%
Kickoff tackler 2%
Punt tackler 1%
Punt return blocker 1%
Other 7%
Total 100%

 

Concussion by type of play from perspective of injured participant

 

Offense 42%
Defense 42%
Receiving kickoff 4%
Other practice 3%
Kicking off 2%
Punting 1%
Kicking field goal/extra point 1%
Other 5%
Total 100%

The kickoff accounts for 6% of total concussion injuries: 4% when receiving kickoffs plus 2% when kicking off. That statistic does not seem to be out of proportion with the total percentage of plays in a typical game that are kickoffs. Pop Warner recently banned kickoffs for ages 10 and under starting with the 2016 season due to perceived risks.  Based on our statistics, banning kickoffs would not appear to reduce concussion rates.

Concussion and absence from play

 

2011-2015 2005-2010
1 to 3 Weeks 44% 46%
3+ Weeks 27% 15%
1 to 7 Days 11% 18%
None 2% 7%
Unknown/Not Answered 16% 15%
Total 100% 100%

The period from 2011 to 2015 shows increased absence from play, i.e. later return-to-play times, presumably due to following suggested return-to-play protocols. The 3+ weeks category shows a significant increase with significant decreases in the “1 to 7 Days” and “None” categories. This is further evidence that increased educational initiatives are having a positive impact on concussion treatment.

Concussion and weight of injured player compared to other players

 

About-average weight 78%
Below-average weight 10%
Above-average weight 6%
Significantly below-average weight 1%
Significantly above-average weight 1%
Other 4%
Total 100%

It appears that players of below-average weight are only slightly more susceptible to concussions than players in the other weight categories. Players classified as significantly below-average weight have the same percentage of concussions as players of significantly-above average weight.

Conclusions about concussions from the study of Accident insurance claims

The higher rates of concussion reporting and more aggressive medical care and return-to-play protocols seem to validate that concussion education is having a positive impact. Initiatives to get the head out of the tackle and to limit contact at practice, while not game changers in themselves, are important components of a broad based concussion/brain injury risk management program as they have the potential to reduce a significant percentage of concussions and subconcussive impacts. Our statistics indicate that practice restrictions may play a larger role than removing the head from the tackle. Additional studies with more participants are required before firm conclusions can be drawn on these concussion reducing initiatives.

2016 Insurance Program Released For American Youth Football

AYFThe gold standard that is the envy of the competition

The American Youth Football and American Youth Cheer endorsed insurance provider, Sadler Sports Insurance, has released the new 2016 insurance program for teams /associations /conferences.

Detailed 2016 coverage, rate information, and online enrollment are available now on our website!

Get Quote Now

The 2016 offering is, once again, the gold standard in youth football and cheer insurance with an unbeatable combination of low rates, broad custom coverages, and best-in-industry automation that allows instant online enrollment and issuance of proof of coverage documents and certificates for field owners. But that’s not all: the program also provides best-in-industry risk management resources to prevent injuries before they become claims and groundbreaking studies on safety in youth football and cheer.

Apply, pay, and print proof of coverage documents and certificates in as little as 10 minutes

Our advanced automation is so simple and fast that you can complete the entire insurance purchase transaction and print all your documents in as little as 10 minutes. Many competitors require the completion of forms and days of waiting just to get a quote. Then, once the quote is bound, it can take several days to get the proof of coverage documents and certificates for field owners. Or, they could charge $100 extra for next day rush delivery.

After the purchase, we provide our clients access to our website so that they can self-issue certificates for new field owners 24/7. It’s so easy and our clients love this benefit.

Beware of competing programs that seem too good to be true

We often hear stories about a competitor offering cut-rate policies with a per team rate that is too low to be believable. Whenever this happens, something ends up being defective with the offering, which illustrates that if something is too good to be true, it usually is. We’ve seen cases where the quoted price did not include the cost of both the Accident and General Liability policies, where the organization never reported the transaction to the insurance carrier and no insurance was in force, and where a big corporation was going to foot the bill for the insurance (dream on), etc. Just this year we found a competitor that was bragging about their great insurance program but had grossly misrepresented its limits and coverages to the public. We brought this to the attention of their insurance carrier and corrections were made. After a little bit of digging, these schemes fall apart.

What is being done to combat the risk of concussion/brain injury and related litigation?

Sadler Sports Insurance provides a sample Football/Cheer Concussion Awareness Risk Management Program (short form) that is strongly recommended for all teams/associations/conferences. This free program can be found under the risk management section of our AYF Insurance page. This program consolidates accepted risk management practices into a three-page document for easy board adoption and implementation. We recommend coaches complete the AYF coaching education program. Certification is required of head football and cheer coaches participating in AYF national championships. We also encourage coaches, volunteers and players view our Seahawks’ tackle resources page. which demonstrates their tackling methods. AYF has provided a certification test to take in conjunction with this video on myafy.com. It is important for all teams/association/conferences to thicken their shields by adopting and fully implementing a comprehensive concussion/brain injury risk management program. The future of our sports depends on this action and it’s the right thing to do to protect the kids.

Check Out Our New, Improved AYF Webpage And Video And Our 98% Staff Awesome Rating

Our AYF/AYC webpage has been totally redesigned for an enhanced user experience where our prospect and clients can access all of our services (ex: applying, renewing, issuing certificates, add/delete teams, claims, etc.) without ever having to speak to a staff member at Sadler. However, should you have a question or need assistance, you can contact our staff by email, chat, or phone. We are very proud that surveys indicate that our staff is graded as 98% “Awesome” by those who have contacted us.

Also, all the football and cheer specific risk management content and related blogs are now available directly from the webpage.

In addition, we created a new video that can be viewed individually or by a small group to explain how to access our insurance and risk management services.

Best-in-industry risk management resources (free)

We have an incredible line up of free risk management resources including articles, legal forms, risk management program templates for your easy adoption and customization, and training videos for administrators and staff. This includes the newly created document entitled Sample AYF/AYC Advanced Plan, which is a comprehensive risk management program customized for AYF/AYC organizations.

Be a part of groundbreaking injury studies

If you purchase your insurance through the endorsed insurance program, all Accident claims automatically become part of the database where our custom software analyzes the information to produce meaningful injury reports. This has led to groundbreaking studies on the comparison of injuries in age only vs age/weight categories and the incidence of concussions within AYF/AYC.

Get Quote Now

Please visit our webpage at www.sadlersports.com/ayf or call us at 800-622-7370 if you have any questions.

 

Beware USA Heads Up Football League Contractual Requirements

Posted | Filed under Football

Leagues forced to share liability limits and assume liability that should belong to HUF

Last September, we posted “USA | Heads Up Football Imposes Onerous Contractual Requirements On Leagues” in an effort to educate our clients on how they were exposing themselves to legal risk when they signed the 2015 Heads Up Football (HUF) contract. In summary, most leagues that signed the contract were unknowingly reducing (i.e. giving up) their valuable league insurance limits by sharing them with HUF and were contractually accepting liability that should otherwise belong to HUF.

This conclusion was not just my opinion as a 30-year veteran sports insurance specialist, sports risk manager, and attorney, but was also the opinion of the experts at a major sports insurance carrier.

HUF is taking advantage of its superior negotiating strength to transfer insurance responsibility and litigation risk to the leagues that usually don’t have the luxury of staff legal counsel to review contracts on their behalf. That’s a smart move by HUF if no one notices and they can get away with it. However, it’s my job to educate my league clients so that they are informed decision makers before they give away their rights and protection.

Negotiation attempts with HUF have not been productive

During the off season, we shared our concerns and thoughts with USA Football about a more equitable HUF contract that would be fair to our insurance clients.  However, the recently released 2016 Heads Up Football Youth Coach Training agreement does not provide any relief on these unfair provisions. This is very disconcerting, and leagues need to understand this risk prior to signing the 2016 contract.

What do we have against USA Heads Up Football?

Absolutely nothing. We commend them for developing the HUF program and they are one of the few vendors providing this type of training to get the head out of the tackle. We just want them to back their product and to use their own insurance limits if they are sued in conjunction with a league for negligent course content or negligent training.

Does USA Heads Up Football have a different opinion?

Yes, they have a different opinion and think that their contract is equitable. We just disagree and want to work with them to clarify some provisions. This is a highly technical contractual problem with potentially serious consequences for our clients.

Would you turn over your liability insurance limits to football helmet manufacturers and agree to accept their liability?

What if you wanted to buy new football helmets for your league and you approached the big helmet manufacturers, Riddell, Schutt, and Adams? And what if they told you that you could not buy their product unless you named them as a primary additional insured under your General Liability policy and signed an indemnification / hold harmless provision agreeing to accept their liability if you did not meet 10 of their conditions? I’m sure you would be outraged. You would probably be wondering why they did not want to be responsible for the safety of their own product and why they wanted to tap into your insurance limits and reduce your potential coverage when they already buy their own insurance. This situation is very similar to what HUF is trying to accomplish. Both are vendors of a high-risk product and/or service. If you wouldn’t accept this from the helmet manufacturers, why would you accept the same from HUF?

Are there any alternatives?

Some youth football leagues may want to explore other coach training options to get the head out of the tackle such as the  2015 Seahawks Tackling video. The  Seattle Seahawks video was developed by coach Pete Carroll and delivers online training to coaches on rugby style tackling techniques. It includes drill demonstrations and actually displays techniques during live action. The 2014 video was updated for 2015 and is touted as an excellent resource for youth tackle football coaches. AYF has developed an online test that can be found on their website that goes along with the video to verify that the coach has learned the essential elements.

Coach training to remove the head from the tackle is an important part of any youth tackle football concussion/brain injury risk management program. We discussed this in our recent post, “The Truth About Concussion Risk Management In Youth Tackle Football.”

The Truth About Concussion Risk Management in Youth Football

How to Plan a Youth Football Brain Injury Risk Management Program

Local associations must adopt and implement a concussion/brain injury management program to battle looming liability crisis.

For the past three years, Sadler Sports & Recreation Insurance has been urging our youth tackle football clients to implement comprehensive brain injury risk management programs to help to prevent injuries and resulting lawsuits from becoming insurance claims. In the event that a lawsuit is filed by an injured participant, whether from a single concussion, multiple concussions, or cumulative traumatic encephalopathy (CTE), it is crucial for a local association to show that it has complied with the national standard of care for brain injury protection. Doing so not only protects the players against injuries and the association and staff against lawsuits, but also protects the General Liability insurance carrier, which makes it more likely that brain injury coverage will be available in the future.

Standard of care owed is determined by state legislation, case law, sanctioning and governing bodies, risk management resources, and expert witnesses

In a negligence-based lawsuit, the claimant filing the lawsuit must prove that a duty was owed, the duty was breached, and that the breach was the cause of the damages. The duty that is owed is also known as the standard of care. The standard of care to protect against brain injury for youth football players will be determined by state legislation, case law, sanctioning and governing bodies, risk management resources, and expert witnesses.

Depending on the source, some standards are mandated and others are recommended or are just guidelines. However, understand that the claimant’s attorney will argue that even recommended standards and guidelines should be implemented by a reasonable and prudent youth football association.

9 Elements of a solid written risk management program for youth football associations

The following elements should be considered by local tackle football associations when developing their concussion/brain injury risk management program.

  1. Written program

A written risk management program should be adopted by board action and communicated to all administrators, staff, players, and parents. A written program that builds in accountability is much more likely to be implemented than a program that is not in writing.

  1. Educational awareness through online training and information handouts

Coaches should receive training and certification in both 1) concussion basics for youth sports through the CDC Concussion Training CourseNAYS Concussion Training Course, or a similar online course, and 2) a tackle training program on how to remove the head from the tackle such as through Seahawks Tackling.

Players and Parents should receive and be required to sign off and return to the association a concussion fact sheet handout from the CDC or a similar source at the beginning of every season.

  1. Document retention

The local association should maintain documentation of coach training certificates and player/parent fact sheets for 15 years. Note that a 5-year-old child may wait until age 20 in many states before filing a lawsuit for a past injury.

  1. Baseline and post injury neurocognitive testing

This is a rapidly changing area with the emergence of new, lower-cost technologies where baseline and post-injury testing can be delivered on the sidelines through smart phones and tablets. So far, baseline neurocognitive testing is considered to be a voluntary measure in most instances.

  1. Identify suspected cases of concussions

The highest medical authority (M.D., D.O.,  athletic trainer, or person with EMT or Red Cross certification) at a practice or game should make the call in terms of signs observed by parents, guardians, or sports staff and symptoms reported by player. The highest authority must be aware of danger signs that would result in an immediate trip to the emergency room and in questions to ask and exertional maneuvers to perform to identify a potential concussion. Identification of potential concussions is a rapidly evolving area with a number of new tools that have recently hit the market or that will soon be available, such as helmet impact indicators, smart phone/tablet apps for sideline testing of memory and fine motor coordination to compare to baseline results, tablet eye-tracking devices, telemedicine with doctors via smart phones, etc.

  1. Actions to take if a concussion is suspected

Remove the athlete from play, make sure the athlete is evaluated by an M.D. or D.O., inform parents through the CDC fact sheet, and keep the athlete out of play until written return-to-play medical clearance is received from a qualified medical provider. Some state concussion laws allow return-to-play medical clearance by a “health care provider” which may also encompass professionals such as physicians’ assistants and nurse practitioners.

  1. Reduce full contact during practices

The Datalys Study by Kerr indicates that limiting contact at practice may reduce concussions in youth tackle football. Governing and sanctioning bodies have started to adopt contact limitation guidelines.

  1. Proper fitting and care of helmets

This has always been and continues to be of critical importance in protecting youth football players from head and neck injuries. A number of online guides and videos are available from helmet manufacturers to assist coaches and equipment managers in this area. A list of these sources can be found on the risk management section of our website.

  1. Compliance with state concussion laws and governing body and sanctioning body requirements or recommendations

Any risk management program should comply with the standards as prescribed by state concussion legislation (this only applies to schools in some states) and governing body (USAFB) and sanctioning body (AYF, Pop Warner) requirements and recommendations.

Based on my 30 years of experience in the sports insurance niche and the potential for brain injury litigation, I would not want to be a board member or staff member involved with a youth tackle football organization that did not have an effective, formally-adopted and fully-implemented written concussion/brain injury risk management program.

Sadler Sports & Recreation Insurance has developed a sample concussion/brain injury risk management program for our youth football clients that incorporates the elements listed above and that can be downloaded from our website in WORD document format.

Top 5 Sports Risks Resulting in Insurance Claims

You need to know them to try to prevent them, but sports insurance still a must

Accidents can happen any time, to anyone, on and off the sports field. Many aren’t even related to playing the sport itself, and many result in serious injuries. Sadly, a large portion of them can be prevented with a little attention to hot spots and putting into place proven risk management policies. However, others are just part of the game.

We take pride in offering our clients risk management advice in an effort to prevent claims. We hope you’ll be able to avoid making the top 5 list:

  1. Wayward balls are the cause of more claims for damages and injuries than anything else in sports. Baseballs in particular are high-speed missiles that slam into players, dugouts, spectators, cars, windows, and anything else in their path. Wild pitches, overthrown lacrosse balls and basketballs, and baseballs hit out of the park are only some of ways balls can cause injuries. A real horror story to a client occurred when an assistant coach was struck in the face by a pitched baseball while warming up the pitcher. He later lapsed into a coma and died of his injuries resulting in total claims cost of $1,001,000.
  2. Falls by players, coaches, spectators, groundskeepers and officials are by far the most common sports injury. Holes in the field, slippery or wet surfaces, obstacles in or around the field, bases, field markers, and equipment cause people to fall. Falls from bleachers, benches, ladders, playground equipment, backstops, and goals are also not uncommon. Broken, sprained or twisted limbs can result in expensive medical bills and even time off work. Falls can even result result in death.  One of our baseball leagues had a claim that settled for $41,781 where a spectator fractured both ankles after stepping in a washed out grassy area of a ballpark.
  3. Vehicles of all sorts are involved in numerous sports-related claims. Many can be avoided if parking and traffic flow signage is displayed properly. Delivery trucks backing into concession stands, golf carts and riding mowers overturning, tents and awnings collapsing on vehicles, tractors hitting parked cars, vandalism, and balls flying through windshields are common incidents at the ballpark. One of our baseball leagues experienced a claim where a person was injured by being pinned between a scoreboard table and golf cart with a resulting settlement of $50,000.
  4. Roughhousing and unsupervised children can cause all sorts of mayhem. Playing or climbing on goals, vehicles, bleachers, gates and fences frequently ends in injuries. This includes unattended children in play areas, near water, or in wooded areas of the park. It’s also not unusual for players to be swinging bats or tossing/kicking balls in areas where others can be hurt, such as concession areas, parking lots and near bleachers. And in heated competitions, it’s not unusual for fights to break out among spectators or between players on the field. An example of this type of claim was when one of our local league clients was sued as a result of children climbing on statue at an awards banquet which caused $4,789 in damage to Sports insurance claimsa water fountain.
  5. Player collisions with other players, spectators and equipment are common. Baseball, soccer, football, and basketball players frequently collide with one another on the field, often resulting in concussions, fractured limbs, and other injuries. Basketball and football players often crash into spectators on the sidelines. And it’s not unusual for players to collide with teammates and coaches on the bench, down markers, goals, and bleachers. One of our clients had a situation where a youth football player was driven into a 1st down marker and fractured his arm. The insurance settlement was $75,000.

These are only the tip of the iceberg when it comes to accidents that can happen in and around sports. The examples listed on this page are expected to occur with some frequency. However, it’s often the unexpected types of claims that result in some of the largest payouts. You just never know what can happen and that’s why you must have quality sports insurance. We have a whole list of horror stories about what can go wrong on our risk management page, which also includes lots of free risk management material.

Sadler Insurance Introduces New Improved AYF Insurance Webpage and Video

Sadler Sports Insurance has updated the American Youth Football/Cheer Insurance webpage for an enhanced user experience. The new webpage allows our AYF prospects and clients to access all insurance and risk management services (ex: applying, renewing, issuing certificates, add/delete teams, claims, etc.) without ever having to speak to a Sadler staff member. However, should a client have a question or need help with a service request, we stand ready to assist by chat, email, or phone. We’re proud of our service staff, which has a 98% “awesome” rating by the prospects and clients who have contacted us. The new webpage also lists all of our football and cheer specific risk management content on the same page so that it is no longer necessary to navigate to another page on our website.

In addition, we just produced a new video that we prepared for our local  AYF team/association/conference prospects and clients that explains all aspects of our insurance and risk management program. The video covers the following topics:

  • Risks of going uninsured or underinsured
  • 12 reasons why our program blows away the competition
  • Brief description of all 5 policies and why you need them
  • What you need to know before you apply
  • How to apply
  • How to access policy services
  • A review of our most important risk management content and blog articles

This video can be found by scrolling down the webpage and can be viewed individually or played for a small group to educate your board and administrators.

We hope you’ll check out our new website by clicking here. 

Fear of Concussions in Youth Sports

More effort in awareness and education needed

The anxiety level among Americans regarding concussions was found to be quite high according to a recent online survey. The University of Pittsburgh Medical Center conducted the survey among 2012 Americans over the age of 18. The results highlight the myths and misunderstanding about concussions.

Nearly 90% of those surveyed consider concussions to be a moderate to severe health concern. Nearly one-third of parents said they fear their child will suffer a concussion, and 25% do not allow their children to play contact sports because they fear they’ll suffer a concussion.

Ironically, 26% of the parents surveyed did not seek medical treatment when someone in their family suffered a concussion. Worse, 81% of those surveyed said they would not know the steps to take in treating a concussion if they sustained one.

More statistics from the survey:

  • 87% did not know the definition of a concussion, and 37% admit to being confused as to what a concussion actually is.
  • 58% could not identify headache or dizziness as immediate symptoms of a concussion.
  • Only 34% understand that fatigue is also a symptom and just 13% know that mood changes can also be the result of a concussion.
  • 79% of adults incorrectly think concussions are incurable and that the symptoms can only be managed.

Decreasing the level of fear

Fear of concussion among many parents is affecting their decision to permit their children to participate in contact sports. While there has been much progress in educating coaches, trainers, parents and players about concussion risk management and treatment, there’s much work to be done.

Sports are a healthy physical and social activity for children and teens, and fear of injury should not prevent them from participating. Concussions are treatable and when properly managed, athletes can return to play. “With careful evaluation and treatment by a well-trained specialist, even the most complex injuries are manageable,” says Erin Reynolds, fellowship director of UPMC Sports Medicine Concussion Program.

Click here for the full survey results. We have more articles on concussions on our blog and offer free concussion risk management material in our risk management library.


Source: Susan Manko, “Are American Parents Too Afraid of Concussions?” futurity.org. 05 Oct, 2015.

Youth Football Endorsed by Concussion Doctor

Risks of CTE are anecdotal, without evidence

Julian Bailes is is the brain researcher portrayed by actor Alec Baldwin in the movie Concussion. He works closely with Bennet Omalu, the forensic pathologist who it can be said started the war on concussions in football. But while the two partner to study traumatic brain injuries, they have differing opinions regarding the risks of concussion and chronic traumatic encephalopathy (CTE)  in youth football.

The New York Times recently ran an op-ed by Omalu, who is a vocal opponent of youth tackle football. Bailes, on the other hand, encourages youngsters to participate in youth football and other organized sports. He cites both the social benefits and ongoing safety improvements in leagues since the furor over concussions began several years ago.

Research vs. anecdotal evidence

Bailes, whose two children play football, is the chairman of the Pop Warner Football medical advisory committee. He’s concerned that the film and Omalu’s article will inevitably keep many parents from having their children play contact sports. He disagrees with the premise that youngsters are at risk for CTE, which results from repeated blows to the head. In his opinion, CTE is an issue for only a minority of former NFL players and a few current players  due to the safety reforms that have been put in place.

Bailes also points out that former players determined to have suffered CTE, which is only diagnosable after death, were those who were known to have displayed possible signs of the disease.

There are no facts supporting diagnosed cases of CTE or brain damage in youth that resulted from playing youth football, said Bailes. Bailes wants parents to understand how the sport has specifically improved the rules for safer play and practice. The ongoing efforts of concussion awareness education for players, parents, and coaches helps parents make the best decision for their child. He concedes that other changes may be ahead such as eliminating punt returns to make the sport as safe as possible.

Concussion risk management

Children participate in risky activities all the time, from snow skiing to driving a car.“We teach [our children] a lot of sports and activities, and so part of that is our responsibility to teach them the safe and right way to do it. But at the end of the day all these activities have potential risks,”  said Bailes.

We have many articles on concussions and risk management programs for youth football and other sports. We at Sadler Sports & Recreation Insurance take great pride in promoting the prevention of injuries and best risk management practices so claims can be avoided. Feel free to contact us for more information or for assistance in getting a fast quote for your league or team.


Source: Neil Best, “Concussion’ neurosurgeon Julian Bailes endorses youth football,” newsday.com. 10 Dec. 2015.

10-Second Sideline Concussion Test

 Software tracks eye movement on iPad

As the sports world continues to focus on concussion prevention, it’s no wonder innovators are coming up with faster, smarter ways to detect a brain injuries. EyeGuide, start-up group out of Texas, has introduced a concussion

EyeGuide’s Focus technology uses a headset connected to an iPad to track eye movement. Users set a baseline reading and then repeat the test when it’s suspected they may have suffered a concussion. Coaches can have each player take the test at the beginning of the season to set their normal baseline eye function. The Focus is then used on the sidelines for immediate comparison on players suspected of suffering concussions.

New technology using known methods of concussion detection.

EyeGuide’s Focus system was developed after years of research at Texas Tech University. The software quickly measures neurological impairment following protocols established in neuroscience research. There are similar products on the market aimed at aiding coaches and trainers to detect concussions immediately.

Eyeguide explains the Focus technology in layman’s terms by comparing it to the follow-my-finger eye test given to suspected drunk drivers.

Players avoiding concussion diagnosis vs. intelligent technology

Approximately 500,000 concussions are reported in youth sports across the U.S. each year, according to the Centers for Disease Control and Prevention.  Eyeguide, knowing that even more concussion go unreported, took into account that players fear being removed from play if they report symptoms of a concussion.The Focus technology gets smarter with use as it compares each player’s eye movements with a database of other athlete’s records. This prevents players from cheating the system.

Company still awaiting funding

The company is still awaiting start-up financing, which it believes to be imminent. Therefore, the product has not yet hit the market.

Sadler Sports & Recreation Insurance is all about safety and injury prevention. We offer more information on concussion research and prevention on our blog and free concussion risk management resources in our risk management library.


Source:  Mary-Ann Russon, “EyeGuide Focus: This eye-tracking headset can diagnose concussions in just 10 seconds,” www.ibtimes.co.uk. 3 Dec. 2015.