Head Injuries and Concussions in Youth Sports

Category : Baseball, Football, Gymnastics and Cheer Gym, Health, Risk Management, Soccer, Teams / Leagues

All types of sports carry some type of inherit risk. But what are these risks? For contact sports, a very common occurrence is the concussion (defined by Websters as “a stunning, damaging, or shattering effect from a hard impact; a jarring injury of the brain resulting in disturbance of cerebral function.”) According to the CNN report below, there is increasing evidence that brain damage actually occurs during a concussion.

Participation Question: What are some ways that your local organization has been pro-active in preventing head injuries or putting measures into place to nurture the injury, or prevent further injury, once it has occurred?

Court Rules Cheerleading Is Contact Sport

Category : Cheerleading, Legal

The Wisconsin Supreme Court ruled that a cheerleader who was dropped by her male teammate can’t sue the male teammate under state law. Wisconsin has a state law the prevents participants in contact sports from suing other potentially negligent participants for unintentional injuries.
 
NCAA studies on catastrophic injuries support the proposition that cheerleading is the leading source of catastrophic injuries including death, paralysis, and other disabilities. The most common cause of such injuries is contact with floor and contact with another participant.

Sports Insurance: Team / League Minimum Requirements Checklist

Category : Accident Insurance, General Liability, Recreation Departments, Sports Camps / Clinics, Teams / Leagues

Part Two
 
How do you know for sure that your team / league sports insurance policies including Accident and General Liability provide the coverages and protection that you need to protect against devastating lawsuits? Many local insurance agents and even so called sports insurance specialists are guilty of offering inadequate coverages.
 
Minimum standards for sports insurance have been set by a sports insurance expert, risk manager, and attorney John Sadler of Sadler Sports And Recreation Insurance. These standards are outlined in the following checklist documents depending on if your team / league is a private sports organization that purchases its own insurance or if it has its insurance provided by a municipal recreation department:
 
Sports Organization Insurance Checklist: http://www.sadlersports.com/riskmanagement/index.html
 
Municipal Recreation Department Insurance Checklist: http://www.sadlersports.com/riskmanagement/index.html
 
The appropriate document should be submitted to your insurance agent for completion. The insurance agent simply checks off whether each standard has or has not been met and signs his or her name. This takes all of the burden off of sports administrators for trying to attempt this frustrating exercise themselves.
 
Once the completed checklist has been received, you must decide what to do based on the results. If the mandatory standards are not met, you should ask your agent to remedy the problem areas or you should find a new insurance agent that can offer policies that meet the minimum standards.
Copyright 2006-2009, Sadler & Company, Inc., All Rights Reserved

Sports Insurance: Don’t Rely On Certificates, Brochures, Proposals

Category : Accident Insurance, General Liability, Recreation Departments, Sports Camps / Clinics, Teams / Leagues

Part One
 
Many sports administrators of teams / leagues hope or believe that they have adequate protection under their Accident and General Liability policies. They usually place their trust in their local insurance agent or even a “so called” sports insurance specialist. Some that have their insurance provided by their municipal recreation department may rely on their risk manager. But, how do they know for sure that their insurance is adequate to protect against some of the most common types of devastating lawsuits?
 
Sports and recreation administrators often rely on a simple review of the wrong types of documents. It is a mistake for a sports administrator to rely on the review of a certificate of insurance, brochure, or proposal from an insurance agent. The reason is that none of these documents contain complete detail on all policy coverages, definitions, conditions, and exclusions. Dangerous exclusions which take away coverage are often hidden in the fine print.
 
For example, a certificate of insurance may disclose that a General Liability policy contains a limit of $1,000,000. However, that same policy may have an exclusion for Athletic Participants. The certificate of insurance will not necessarily disclose the existence of this devastating exclusion which has a huge bearing on protection.
 
The one and only source to find the answers on coverage is in the actual insurance policies themselves. The problem is that the polices can be exhaustive to review. A typical Accident policy may be 70 pages long and a typical General Liability policy may be 90 pages long.
 
Part two of this blog topic will offer an easy solution on how sports administrators can determine the adequacy of their sports insurance policies.
Copyright 2006-2009, Sadler & Company, Inc., All Rights Reserved

Recreation Department Accident Insurance: Individual or Blanket?

Category : Accident Insurance, Recreation Departments, Sports Camps / Clinics, Teams / Leagues

We recently received a question from a recreation department administrator about whether or not they should offer Accident insurance on their sports programs on an individual or blanket basis. He also wondered if the recreation department would have any remaining liability if a player refused individual insurance. Here was our answer.
 

I teach the courses on sports insurance and risk management for NAYS’s Academy For Youth Sports Administrators. The standard for sports insurance as set by the Academy For Youth Sport Administrators is to offer blanket Excess Accident insurance where a premium is paid on behalf of and coverage is provided for all participants. Accident insurance on every participant is the first line of defense against lawsuits resulting from participant injury. Accident insurance, if properly written, can almost guarantee that the parent will have no out of pocket medical bills.

 

 

Commotio Cordis In Baseball – AED – Chest Protectors – Safety Balls

Category : Baseball, Equipment, Health, Risk Management

Commotio cordis or cardiac concussion is a cause of sudden death in young baseball players. It is the result of a low velocity impact to the chest from a thrown or batted ball traveling usually at a speed of between 20-50 mph. The impact must occur directly over the heart, the closer to the center the greater the risk. The cause of death is the development of an abnormal rhythm, ventricular fibrillation, though there may be some affect on the blood circulation to the heart as well. For the catastrophic event to occur, the impact has to be precisely timed to strike the heart during a 15-30-millisecond phase of the electrical cycle (during repolarization or just before the peak of the T-wave).

Commotio cordis is associated with a death rate of 90%. The lack of response of these young health baseball players to CPR is unexpected and remains unexplained, but it is clear that a rapid response is essential. This response is probably required in three-five minutes…….

Batters should learn ball avoidance and turn away from an inside pitch and not open chest to the impact, as is so typically the case. Avoidance while bunting requires special attention. Pitchers as well should be coached in proper fielding positions and ball avoidance when necessary. Chest wall protectors that are commercially available have not been demonstrated to prevent commotio cordis. Studies with baseballs seems to indicate that lighter and softer balls may diminish the risk, but their acceptability for play by older children is of question.

See Report By USA Baseball Medical And Safety Committee on Commotio Cordis in Baseball

In My Opinion: Studies indicate that the chances of survival of a commotio cordis incident is enhanced if a shock from an AED can be delivered promptly. Most ball parks don’t have AED’s and those that do must have well practiced procedures in place for the rapid use of the device or all if for naught. I am often amazed at the marketing efforts by the vendors of chest protectors. It makes sense that they would help but the scientific studies indicate that many don’t offer any protection and may actually be contra indicated. Apparently, most chest protector vendors need to go back to the drawing board with their designs. Also, the recent high profile lawsuit in New Jersey of a pitcher being stuck by a batted ball that came off of an alleged “hot bat” involves commotio cordis and resulting permanent disability to the pitcher. The metal bat manufacturer was sued among others. What is interesting to note is that commotio cordis usually occurs only when a projectile travels at a relatively slow speed between 20-50 mph and in this case the basis for the lawsuit is that the ball speed was too fast as a result of the alleged “hot bat”. John Sadler