Posts Tagged ‘football insurance’

2015 American Youth Football & Cheer Insurance Program Released

The 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 2015 insurance program for teams /associations /conferences.  Detailed 2015 coverage and rate information  is now available on our website Our online enrollment became operational on May 16, 2015.

The 2015 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 document sand 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. 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 has released a new Football/Cheer Concussion Awareness Risk Management Program (short form) that is strongly recommended for all teams/associations/conferences. This free program can be downloaded from our risk management 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 the Seattle Seahawks’ tackle video, which demonstrates their tackling methods. 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.

What is being done to combat sex abuse/molestation post Sandusky?

We introduced a simple one-page Child Abuse/Molestation Protection Program – Administrators (short form) that, if adopted by your board and fully implemented, will greatly lessen the chances of an incident occurring within your program. The free program can be downloaded from from our risk management page.

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. Please visit our risk management page to access these materials.

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.

The Positive Impact of Concussion Awareness

Reporting and treatment in youth football on the rise

Injury data taken from the county’s largest youth football organization, American Youth Football (AYF) paints a bright picture. The data indicates that recent increased awareness and education of administrators, coaches, parents, and players is resulting in greater concussion identification and more aggressive medical treatment and follow up.

According to claims data from the AYF-endorsed Accident insurance plan, the rise in incidents of concussions to total injuries reported began in 2011. This coincides with the media’s first reports on high profile concussion lawsuits and alarming injury studies. The trend continued in 2012 and 2013.

Percentage of concussions to total injuries:

2005 – 2010       6.7%  average
2011                11.5%
2012                16.4%
2013                16.4%

What the numbers mean

This is concrete evidence that educational awareness and concussion recognition, treatment, removal, and return to play protocols Concussion diagnosisare having a positive impact on protecting youth, according to John Sadler, president of Sadler Sports Insurance. In the past, many concussions were missed or ignored. When concussions were identified, parents tended to self-treat with a wait-and-see approach. Now, many more concussions and potential concussions are being identified with more emergency room visits, diagnostic tests, and follow ups with concussion experts who are critical in helping parents and athletes making return-to-play decisions.

Education is critical

We believe and statistics prove that the more you know about concussions, the better prepared you are to deal with them. We encourage you to read our other articles on concussions, which include information on American Youth Football’s concussion risk management initiatives.

Research may lead to fewer youth football injuries

Varying rules and policies among leagues is a factor

Two South Carolina youth football leagues were the subjects of a two-year study looking at athlete injuries across all age groups. The data collected during the research  conducted by the Athletic Training Department at the University of South Carolina could result in better safety policies within the leagues and, most importantly, fewer player injuries.

The results of the study are not yet published, but they look promising. The biggest predictor of injury appears to be league culture, not size or age, according to Jim Mensch, director of the program. Apparently every league has different policies, procedures, and safety standards and there seems to be a correlation there that indicates which players are more at risk for injury.

Part of the data was collected using 60 accelerometers. The high-tech devices were attached to players’ heads to measure collision force during practices and games. The information can then be downloaded for analysis.  USC is one of only a few institutions currently using this technology for research in youth football.

The early findings

Out of the 4000 players included in the study, 10 percent reported injuries that included everything  ranging from serious bruising to broken bones. Researchers also found that approximately 3 percent of the athletes experienced concussion-like symptoms.  That’s lower than the 7-9 percent reported in studies conducted on high school and college players.

Dehydration also appeared to be a significant factor in the number of injuries suffered. The study showed that players consumed adequate fluids during games and practices, but most were arriving to practice and games moderately dehydrated. It seems that players made good use of the fluids provided by the team and the water bottles they bring from home, but weren’t drinking sufficient fluids prior to arrival. Even with the water provided during play time, the sweat excreted left them chronically dehydrated.

The study’s other positive results

The parents and league organizers are delighted about the medical attention the players get from the study.  Many of the injuries get diagnosed and treated at practices and games by the athletic trainers conducting the study, rather than leaving parents and coaches to decide if a trip to the emergency room or a doctor’s office is necessary.

The study is being extended for one more year and will include more leagues in the area.

 

Source: Joey Holleman, “Study takes 2-year look at youth football injuries,” thestate.com. 22 Aug. 2014