Archive for the ‘Teams/Leagues’ Category

When Youth Sports Teams Move Up One Year

Is it safe in all age categories?

What liability exposure exists for administrators and coaches who allow a younger sports team to play up in an older age category? That question was asked by a visitor to our website:
“I am struggling with a team playing up a year in age U12 Boys moving to U13 Boys in soccer. What are your thoughts? And do you know of any lawsuits. I am on the board and I want to be able to answer any questions.”
We invited a guest expert to respond to that for us. Gil Fried is an attorney and professor at the University of New Haven who provided the following answer:
“I am not familiar with any lawsuits from a younger group moving up one age category.  If they moved up several years the proportional difference in skill and size could open a door to liability.  Since the potential for in jury exists at all soccer levels, I would suggest that the children in the 12-year-old group and their parents be sent a letter indicating the potential concern that since younger kids are playing against older kids there could be a chance for injuries. The letter should be clear and allow parents to pull their child if they are concerned without any retribution.”

Sexual Abuse/Molestation Insurance for Sports Organizations

The risks organizations face and the preconditions for coverage

Child Abuse in Youth SportsSexual abuse and molestation is, unfortunately, a major topic of conversation within youth sports insurance in the past decade.  The sports insurance carriers that write General Liability have been decimated with a number of large settlements and adverse jury verdicts.

As a result, most carriers are not willing to extend coverage for abuse/molestation unless risk management controls are in place.  In other cases, the coverage is only available by tapping into custom programs for larger governing and sanctioning bodies that have significant negotiating power.

Coverage for abuse/molestation is important because all directors and officers will be sued along with the alleged abuser.  The directors and officers will be sued for failure to screen out staff with criminal backgrounds, failure to respond to an allegation, and failure to implement policies and procedures such as the use of a “buddy system” and prohibition of overnight sleepovers.

As a precondition of coverage, many insurance carriers will require mandatory background checks on all staff with access to youth, as well as the adoption of a risk management awareness program.

We have more detailed information on the various types of background checks and the strengths and weaknesses of each, as well as a free and simplified Abuse/Molestation Protection Program on our risk management page.

Crime Insurance for Sports & Recreation Organizations

Employee/volunteer theft are more prevalent than many realize

Sports and recreation organizations can have significant assets at risk from the traditional employee or volunteer embezzlement and the modern perils of electronic fraud. Most sports organizations are not properly insured for these exposures and don’t have adequate risk management controls in place.

The Commercial Crime policy form (ISO CR 00 20 05 06 and CR 00 21 05 06) offers the following coverage parts that may be individually purchased:

Employee Dishonesty Provides coverage for employee theft of money, securities, or other property such as equipment. Employees are defined as regular employees, temporary workers, leased workers, trustees of employee benefit plans, interns, managers, directors, or trustees.

If applicable, it is critical that sports and recreation organizations request special endorsements to extend coverage to theft from volunteers, non-compensated officers and members of specified committees, specified directors and trustees on committees, partners, LLC members, computer software contractors, agents, brokers, or independent contractors.

It is also important to purchase Employee Dishonesty coverage on a blanket basis that protects against theft from all employees or others in a designated class as opposed to specified employees or others who must be individually named on the policy. Sports and recreation organizations experience a high rate of personnel turnover. It’s not uncommon for an organization to fail to update the list of specified employees.

Forgery and Alternation Provides coverage for forgery or alteration of a check, draft, or promissory note drawn against the insured’s accounts.

Money and Securities Provides coverage for theft, disappearance, or destruction of money and securities from either inside the premises/banking premises or outside the premises. Coverage may also be extended to robbery or safe burglary of other property.

Computer Fraud Provides coverage for financial loss due hacker access effecting a fraudulent transaction. An example of computer fraud occurs when company A sells services to company B. An employee of company B hacks into the computer of company A and changes the bank routing and account numbers. The next time a payment is made foElectronic crimer services, the funds are fraudulently transferred to the employee instead of company A. According to a 2008 survey by Computer Security Institute, the average financial loss due to computer fraud was $289,000.

Electronic Funds Transfer Fraud Provides coverage for financial loss due to a hacker access to a financial institution, accessing an online account, and circumventing normal online authentication controls to affect a fraudulent wire transfer. An example of this type of fraud occurs when a hacker gains bank account and password information by planting a Trojan virus in an email attachment sent to a company bookkeeper. When the attachment is opened, a keyword logger is launched that secretly obtains account and password information. The hacker accesses the online banking system and completes a fraudulent electronic wire transfer. According to a 2008 survey by Computer Security Institute, the average financial loss due to funds transfer fraud was $500,000.

Money Orders and Counterfeiting Provides coverage due to loss by good faith acceptance of money orders that are not honored or counterfeit money.

Traditional Crime Risk Management Controls

Many smaller organizations are not run as serious businesses and as a result don’t have strong risk management controls to protect against employee and volunteer dishonesty. The key to preventing insider dishonesty is separation of duties so that no single person has total control over any one process or audit procedure. Below are recommended controls:

  • Require a countersignature on all checks or on checks over a certain amount.
  • The person who reconciles the bank account should not be authorized to deposit or withdraw funds.
  • If credit cards or debit cards are used, authorized users should not be tasked with reviewing the monthly statements.
  • Keep detailed inventory records of all equipment and require a log to be maintained when equipment is assigned or checked out.
  • Create an audit committee to review all financial records, account statements, and to take an inventory of all equipment.
  • Collect checks instead of cash during fundraisers.

Electronic Crime Risk Management Controls

Pfishing scams, Trojans, key loggers, and similar techniques allow hackers to gain access to online banking transactions and to circumvent standard online authentication controls. Internal controls such as antivirus software, firewalls, and employee training are critical but don’t offer 100 percent protection. Computer Fraud and Electronic Funds Transfer Fraud coverages are strongly recommended.

Get a Quote

Contact Sadler Sports & Recreation Insurance at 800-622-7370 for a Crime Insurance quote. We have an existing Crime Insurance program available for smaller, locally-based organizations for as little as $175, which includes coverage for Employee Dishonesty, Forgery and Alteration, and Theft of Money and Securities. Larger sanctioning and governing bodies will be asked to complete an application that outlines your financial risk management practices and we will be able to provide a proposal within several days in most cases.

Coach Certification Liability Insurance

Several of the coach certification training organizations offer General Liability insurance as a membership benefit to the coaches. This is a great benefit that is designed to act as a safety net in the event that the sports organization neglects to provide its own insurance or if its insurance contains unacceptable exclusions.

Some sports organizations that require all of their coaches to be certified mistakenly interpret this membership benefit as a green light to forgo purchasing their own General Liability insurance. This is a dangerous mistake. Individual coach certification General Liability insurance will not provide protection under the following circumstances:

  •  It won’t cover the sports organization as an entity. As a result, the assets of the entity are unprotected if a lawsuit results in legal defense costs, settlement, or an adverse jury verdict. This can be catastrophic; even small sports organizations can have many thousands of dollars of asset value in their bank accounts, equipment, real estate, etc.
  • It won’t allow for the issuance of a certificate of insurance under the name of the sports organization, which may be a property owner’s requirement for field or facility access.
  • When a youth participant is injured, it is customary for all adult volunteers in close proximity to the injury to be shotgunned into the lawsuit based on negligent supervision. This includes the head coach, assistant coach, manager, umpire, referee, team mother, etc. In addition, the organization’s board members and officers will normally be included based on lack of general supervision. It’s likely that not all these volunteers are certified coaches and therefore won’t be protected.
  • Most coach certification liability policies only cover lawsuits arising out of direct coaching activities. However, many lawsuits in the youth sports context arise out of non-sport activities and outings such as swimming parties, restaurant celebrations, backyard cookouts, banquets, fundraisers, etc.

The bottom line is that all sports organizations need their own General Liability policy. If you have questions, or want assistance in determining your insurance needs, please call us at (800) 622-7370.


Copyright 2002-2014, Sadler & Company, Inc.


Insurance Policies Needed by Sports Organizations

The minimum needed for maximum benefit

Because many sports organizations are run by volunteers, they are often under-insured. Insufficient insurance coverage may be a by-product of money-saving efforts or simply a matter of not understanding the risks of exposure to the athletes, coaches, staff and volunteers, and board members

Below is a list of the most important insurance policies that may be needed by community-based sports organizations such as teams, leagues, and municipal recreation departments.
  1. Accident: Pays medical bills on behalf of injured participants such as players and staff.
  2.  General Liability: responds to lawsuits arising from bodily injury, property damage, personal/advertising injury.
  3. Directors & Officers Liability (AKA Trustees Errors & Omissions for municipal recreation departments): Responds to certain lawsuitSports orginizationss not covered by General Liability such as discrimination, wrongful suspension or termination, failure to follow your own rules or bylaws, and violation of rights of others under state, federal, or constitutional law.
  4. Property/Equipment: Covers your buildings, equipment, and contents against loss due to fire, vandalism, theft, etc.
  5. Crime: Covers employee or volunteer embezzlement of funds or theft of property; forgery or alteration of checks by outsiders, and theft of money and securities by outsiders.
  6. Workers’ Compensation: May be required by state law if three or more employees and pays benefits to injured workers for “on the job” injuries including medical bills, lost wages, disability lump sums, disfigurement lump sums, and death benefits.
  7. Business Auto: Covers liability and physical damage to owned, non owned, and hired autos.
  8. Consult with your insurance agent about other types of policies such as Liquor Liability, Cyber Liability, Media, etc.

We provide more detailed information on each of these policy types and insider tips on purchasing insurance in our article, 7 Critical Mistakes to Avoid When Buying Sports Insurance. If you have questions or want assistance in deciding which policies your organization needs, call us at (800) 622-7370.

Copyright 2002-20014, Sadler & Company, Inc.

The Gamble of Being Underinsured

The risks can be catastrophic

Being underinsured is just as big a mistake as being uninsured. It’s no secret that insurance is one of those necessary purchases that buyers resent. But it’s also no secret that purchasing the correct coverage has protected countless people and organizations from potentially catastrophic financial circumstances.

Sports organizations are often run by volunteers who aren’t aware of the potential risks to which their league and players are exposed. This often results in lack of coverage – for all the wrong reasons. Thinking ahead is your insurance agent’s job. He or she has seen it all and knows anything can happen to anyone at any time.

What’s behind the lack of insurance?

Many sports administrators mistakenly believe that they don’t need to buy Accident and General Liability insurance to cover their sports programs for various reasons. After more than 25 years in the sports insurance industry, I’ve heard every excuse in the world for such decisions. Here are the top four:

  • “We’ve never experienced a serious injury or lawsuit.”  The fact is that sports lawsuits tend to be infrequent but have a high potential for severity in terms of potential damages owed. Some sports organizations may go over five years without a serious incident, but it’s just a matter of time.
  •  “Our waiver/release forms will prevent lawsuits.” The use of a well-drafted waiver/release form is a great tool under some circumstances. However, it won’t prevent a lawsuit from being filed. Even if the waiver/release does result in the lawsuit eventually being dismissed, it may still cost $10,000 to $20,000 in legal defense fees to get to that point.
  •  “Volunteer immunity statutes will prevent lawsuits.” State and federal volunteer immunity statutes are a positive step in the right direction. However, they typically have too many loopholes and exceptions that limit their effectiveness. For example, most immunity statutes exempt protection in the event of grossly negligent behavior, willful or wanton conduct, or the reckless disregard for the safety of others. Most lawsuits make these allegations and the judge has to sort out if they have any merit. All this takes time, and the more time it takes to sort this out, the greater the legal fees. In addition, these statutes don’t protect paid staff and the sports organization as an entity itself.
  •  “Our employees/volunteers/administrators provide their own liability policies.” Many sports organizations will leave it up to the individual volunteers or administrators to protect themselves through Homeowner’s Liability, Personal Umbrella, or Coach Certification Liability policies. This can be a dangerous strategy for many reasons. Homeowner’s Liability and Personal Umbrella policies may include an exclusion for lawsuits arising out of activities of the insured person as a sports volunteer. Furthermore, they won’t protect against the non-bodily injury or non-property damage lawsuits that a Directors & Officers policy may protect against such as discrimination, wrongful termination, failure to follow own rules or bylaws, etc.

The insurance policies sports organizations need

Below is a list of the most important insurance policies that most community-based sports organizations such as teams, leagues, and municipal recreation departments should carry.

  • Accident insurance pays medical bills on behalf of injured participants.
  • General Liability responds to lawsuits arising from bodily injury, property damage, and personal/advertising injury.
  • Directors & Officers Liability (or Trustees Errors & Omissions for municipal recreation departments) responds to certain lawsuits not covered by General Liability, such as discrimination, wrongful suspension or termination, failure to follow your own ruGambling diceles/bylaws, and violation of rights of others under state, federal, or constitutional law.
  • Property/Equipment insurance covers buildings, contents and equipment against loss due to fire, vandalism, theft, etc.
  • Crime insurance covers employee or volunteer embezzlement of funds or theft of property; forgery or alteration of checks by outsiders, and theft of money and securities by outsiders.
  • Workers’ Compensation may be required by state law for organizations with three or more employees. It pays benefits to injured workers for on-the-job injuries including medical bills, lost wages, disability lump sums, disfigurement lump sums, and death benefits.
  • Business Auto insurance covers liability and physical damage to owned, non-owned, and hired autos.

There are other types of policies that some organizations may require. For much more detailed information on this topic, please see 7 Critical Mistakes to Avoid When Buying Sports Insurance.

For assistance in determining which policies your organization needs, to have your questions answered, or to receive a quote, please call us at (800) 622-7370.


Intentional Under Reporting of Sports Teams Insurance

 It’s not just fudging the numbers, it’s fraud.

The risk manager of a large municipal rec department called me recently. He had a league’s certificate of insurance in his hands that was issued by us. He was concerned that the league using his fields had over 30 teams, but our certificate indicated that coverage was only purchased for five. He asked if the coverage would be in force in the event of an injury. I had to break the news to him that coverage may not be in force – and that we had a big problem if his facts were correct.

Sports teams or leagues purchase Accident and General Liability insurance that is typically priced on a per team basis. The authorized representative of the sports organization completes an online or paper application and reports the number of teams in each age group. Accurate reporting, which is a fundamental part of the rate structure, depends on the “honor system.”  Intentional under reporting is flat out insurance fraud, and can result in claim denial, and definitely results in unwarranted rate increases.

The best way for the insurance carriers to scientifically predict the dollar amount of likely losses and needed rates is to study past loss history and assign expected losses per team. When the number of teams is intentionally under reported, the insurance carriers don’t collect the premium necessary to offset the risk of loss. When losses increase as a percentage of premiums collected, the insurance carriers must apply rate increases across the board.

Steps being taken to prevent under reporting

In an effort to maintain competitive sports insurance programs, the following steps are being taken to keep under reporting of teams in check:

  1.  The number of teams reported on insurance applications will be cross referenced with association membership registrations.
  2. The number of teams reported on the insurance application will be cross referenced with the team/league website.
  3. At the time a claim is reported, claims adjusters may investigate the proper reporting of team figures before a claim is paid.
  4. Sports insurance programs may require a roster of team names.

Please do your part to make sure that all of your teams are reported and accounted for when you apply for coverage. And remember, intentional under reporting of teams hurts not only those who depend on the claims being paid, but also drive up rates for everyone.

Is Your Team/League Adequately Insured?

Find out with our minimum requirement checklist

How do you know for sure that your team/league sports insurance policies provide the coverage 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 two separate checkChecklistlists, one for private teams/leagues that purchase their own insurance one for teams/leagues with insurance provided by a municipal recreation department. Feel free to use our Sports Organization Insurance Checklist and Municipal Recreation Department Insurance Checklist.

Sports administrators no longer need to frustrate themselves trying to determine what coverage and limits are necessary. They can simply submit the checklist to their insurance agent for completion. The insurance agent then checks off whether each standard has been met and signs his or her name.

Once the completed checklist has been received, administrators then can decide what to do based on the results. If your team/league hasn’t met the the mandatory standards, your insurance agent should  remedy the problem or you should find a new insurance agent who can offer policies that meet the minimum standards.

Visit our team and league insurance page for more information on coverage or to get a quote. Or call us at (800) 622-7370!

Copyright 2017, Sadler & Company, Inc. All rights reserved.


What’s the Most Necessary Evil in Youth Sports Today?

A guest post by Jon Goldman of Reaching Our Goal

The answer is, of course, fundraising.  No one wants to do it, everyone needs to do it and rarely is it done well. That’s because while we’re all racing around texting, posting on Facebook, tweeting and downloading apps to our to cloud-connected smart phones, the typical fundraiser is a throwback to the ’70’s and 8-track tapes!

At a time when youth sports has never been more competitive or demanding, why are so many travel teams still selling candy, standing in front of a Walmart shaking a can or in a parking lot washing cars?

In the good old days, we lived in a zip code-driven fundraising world.  Raising some money by canvassing the people who lived nearby was simply what everyone did. On the menu: magazine subscriptions, tubs of cookie dough, Christmas wreaths, scented candles, printed cups, banners and discount cards – you name it.  Chances are, at one time or another, some youngster rang your doorbell hoping you would buy some, right?

But that just isn’t going to cut the mustard any more.  For so many reasons, starting with the fact that the average adolescent today lacks the desire or time to knock on doors, parents definitely don’t have the time to chaperone junior around the block. Sales efforts often generate hundreds of dollars, but the teams needs thousands. Giving companies such as Nestle or Coke 50% of your heard-earned sales just doesn’t seem right. And, most importantly, who really wants to buy that stuff aElectronic fundraisingnyway?

Today, fundraising for sports teams is best done electronically and is based on relationships, not geography.  After all, who’s going to be more generous toward your young baseball player today? The neighbor who barely knows him or an aunt or family friend who lives two counties or hundreds of miles away?  It’s the people who know and care about your athlete —regardless of how far away they live — who will be more supportive every time.  The challenge simply is how to ask.

Companies like Reaching Our Goal are making it easier and easier for teams to raise thousands of dollars in just minutes by using the Internet to reach people around the corner and around the world. Think mouse clicks instead of footsteps. The joy of giving instead of the burden of buying.  College teams have been at the forefront of this trend for awhile now. They don’t have the time or the desire to move through neighborhoods near campus.  Folks today probably wouldn’t be excited to see a 19-year-old university student on the stoop with a clipboard and outstretched hand!

Today, the very same approach that’s worked for collegiate squads in every sport and at every level, is now easily available to travel teams or organizations just like yours. And that’s good news because, if we’re really being honest, fundraising has never really been anyone’s idea of a good time.  But now, it can be accomplished safely, painlessly and profitably from a keyboard.  So, yes, fundraising really is a necessary evil, but doing it well and getting real results has never been more crucial.

Review: TackleSure Coach Training Program Endorsed by AYF

Why is a change in tackling techniques necessary now?

Heightened awareness on the dangers of concussions and long term brain injury from sub concussive impacts has brought to the forefront the need to change the culture of youth tackle football to protect the future of the sport by addressing injury, liability, and insurance concerns. Traditional risk management techniques of concussion education, recognition, removal, treatment, and return-to-play protocols don’t address the risk of an accumulation of sub concussive impacts over multiple seasons. Therefore, programs like TackleSure have emerged to remove the head from tackling and to introduce tackling drills that don’t require pads and can be executed with limited contact. I strongly recommend the TackleSure program as a part of a comprehensive concussion/brain injury risk management program for youth tackle football.

Description of TackleSure online training course

TackleSure, an official licensed partner of NFL Players, is an online course that consists of 11 class segments which are followed by an online multiple choice test. After registering and paying the reduced $5.00 course fee for AYF members, registrants view videos with instruction by Thurmond Moore (college and NFL defensive coach) and Jared Allen (All-Pro defensive end) where they define the problem, introduce the correct tackling technique and terminology, introduce drills to reinforce each aspect of the technique, and demonstrate the step-by-step coaching process in the field on inexperienced youth players. In addition, segments include concussion education and introduce the new Reebok Check Light Skull Cap product. Most will not complete the course in a single sitting, but it’is easy to log back in and start the next segment. The course includes a 100-page PDF document that is a great reference tool for coaches as it explains and illustrates all drills.

 Why I reviewed the course

As a leader in sports insurance and risk management for youth tackle football, I decided to take the

TackleSure course to gain a better education and to experience what my clients would experience. After all, how could I recommend a course without having experienced it myself? I do need to add the disclaimer that I never played organized football and have never coached it.

However, my son played as a 7th grader, so I have observed a number of youth practices and games. Therefore, my observations on TackleSure are from the perspective of a neophyte but that may not be


Screenshot of my final score

too far off as many coaches are dads who have unexpectedly found themselves in a coaching position.

What is wrong with the traditional tackling technique?

The traditional tackling technique of putting the head to side and wrapping up the ball carrier with the arms tends to result in reaching, a bending forward at the waist, and all too often leading with the head.  The hammer metaphor of being a hammer (knees bent – power angle – back straight) as opposed to being a nail (bend at the waist) has also been used to describe the correct tackling technique. Unfortunately, the traditional tackling technique is usually taught and practiced at full contact, which results in a greater probability of head contact, more sub concussive impacts, and a greater chance of concussions.

 Safety at the sacrifice of effectiveness?

 The main objective of TackleSure is to get the head out of the tackle. Does this mean that the safer tackling technique is less effective? Not according to the experts. The TackleSure technique actually brings more force to the tackle due to the explosion of the hips, the throwing of the uppercuts, and the double-time leg drive. The traditional tackling technique of leaning forward from the waist and wrapping up does not have the same explosiveness because the lower body and core are not engaged and the wrapping of the arms to the side results in a misdirection of potential upper body force away from the ball carrier.

 The major components of the TackleSure technique

 TackleSure can be introduced to a team in three days and fully implemented in two weeks. In addition, the drills are designed for no pads and lessened contact so that they can be repeatedly practiced and reinforced to build muscle memory. The techniques are taught from simple to complex, from the end of the tackle forward, from teaching pace to full speed pace, and from left foot forward and right foot forward.

  • Clamp progression eliminates the head as a weapon and teaches the basics of tackling technique from finish stance (lower body positioning and engagement of hips forward), one legged take off, belly button/hips through, chest pop, clamp and claw (upper body engagement of getting head out of tackle by looking up at high hands and tying up ball carrier between elbows with hands grabbing cloth on back of ball carrier’s jersey), and machine gunning legs to provide power to finish off tackle.
  • Chest pop progression adds refinements to promote power in tackle with continued emphasis on removing the head. Starts with flat back stance and elbows back with guns in holsters, one legged take off, explode hips into ball carrier, shoot strong double upper cuts, make contact with chest, lift and tie up ball carrier, kick opposite leg high and wide, and double time high and wide with legs.
  • Shimmy progression adds open field positioning and footwork transitioning toward ball carrier includes sprinting, shimmy stance, break step, and fit position.
  • Nearfoot progression adds the element of aiming near foot at ball carrier.
  • Specialty tackles: – lawnmower, tomahawk, and gator.

 What you need to know before you take the course

The course is thorough, but it needs to be in order to explain, reinforce, and illustrate the techniques and


Screenshot of my TackleSure certificate of completion.

drills to the coaches. The last two course segments are repeats of earlier segments, but they are critical to see what is likely to happen when these concepts are introduced to inexperienced youth players and the corrections that need to be made in the field. All 11 segments take approximately 4.5 hours. to complete. However, not all segments are necessary viewing to pass the test. Also, remember that TackleSure does not require on-field instruction because the videos are so thorough and well-illustrated.

The major competing tackle course takes about 20 minutes online plus an on-the-field training clinic. The online portion doesn’t come close to approaching the thoroughness and effectiveness of the TackleSure program in terms of either safety or improved tackling. In addition, the on-field training clinic comes with the related hassles of travel, scheduling, and make ups.

Be sure to take notes as you watch the TackleSure videos so you can reference them during the exam. The exam is not a cakewalk.

TackleSure is just a part of a comprehensive concussion/brain injury risk management program. In addition, a basic concussion course should be required such as the CDC’s Heads Up or NAYS Concussion Awareness and all organizations should have written policies and procedures to address recognition, removal, treatment, and return-to-play protocol.


Overall, I give the TackleSure training a very high rating and believe that I would be able to teach the correct technique if I were to become a youth football coach. It’s important for the instruction be geared to first-time coaches. I also applaud their decision to offer the entire training program online as opposed to in-person coach clinics. We all know that with volunteer organizations, it is virtually impossible to coordinate live training for all coaches at the same time due to scheduling conflicts and the addition of new coaches later in the season.

Click here to access the TackleSure program.

For more information on a comprehensive football/cheer brain injury risk management program, visit the concussion section of our Risk Management page.

Click here for more information on AYF/AYC Insurance.