April 11, 2025 • 25 mins
YOUTH LEAGUES AND COACHES FACE LAWSUITS FOR NEGLIGENCE
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Why Johnny Hates Sports is broadcast live Fridays at 11AM ET on W4CY Radio (www.w4cy.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Why Johnny Hates Sports is viewed on Talk 4 TV (www.talk4tv.com).
Why Johnny Hates Sports Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.
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Why Johnny Hates Sports is broadcast live Fridays at 11AM ET on W4CY Radio (www.w4cy.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Why Johnny Hates Sports is viewed on Talk 4 TV (www.talk4tv.com).
Why Johnny Hates Sports Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.
Why Johnny Hates Sports is broadcast live Fridays at 11AM ET on W4CY Radio (www.w4cy.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Why Johnny Hates Sports is viewed on Talk 4 TV (www.talk4tv.com).
Why Johnny Hates Sports Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.
Become a supporter of this podcast: https://www.spreaker.com/podcast/why-johnny-hates-sports--6486985/support.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
The topics and opinions expressed in the following show are
solely those of the hosts and their guests, and not
those of w FOCY Radio. It's employees are affiliates. We
make no recommendations or endorsements for radio show programs, services,
or products mentioned on air or on our web. No liability,
explicit or implied shall be extended to W FOURCY Radio
or its employees are affiliates. Any questions or comments should
be directed to those show hosts. Thank you for choosing
(00:21):
W FOURCY Radio.
Speaker 2 (00:36):
Sports for kids in America began with what we affectionately
called sandlot ball, where kids organized their own games, made
their own rules, and played until the sun went down.
Then came along parents.
Speaker 3 (01:21):
The National Alliance for Youth Sports was born out of
a desire to bring order to the world of organized
sports for children in America. While for the most part,
children have a great experience playing sports, far too often
parents and coaches lose perspective. This program is aimed at
bringing some of America's best experts to talk about what
(01:41):
we can do to change the atmosphere of win at
all costs and parent poor behavior to one that focuses
on children having a positive learning experience through sports. Here's
our host, Fred Ang, the founder of the National Alliance
for Youth Sports.
Speaker 4 (02:00):
Hey, good morning everybody, and thanks again for being back
with Why Johnny Hates Sports. We've had some of the
great experts in the country. Still trying to get over
this cold, We've had some of the great experts in
the country, you know, talking about from everything from being
a hockey player to be a sports psychologist. And today
(02:24):
we've got to guess who's going to talk about insurance
and what that all means for kids playing sports. So
I want to introduce Wayne Gutriache too, from Matter or Insurance.
And so, Wayne, you know the old expression if I
got on an elevator and wanted to see your tag
on you said matter or insurance, I'd say, can you
(02:46):
tell me by the time I get off on the
seventh floor what that's all about.
Speaker 5 (02:49):
So here we are pushing the button, and Brad, I
appreciate you inviting us. I'll tell you a little bit
about being a little bit about matter of horn, and
then what we do well in the marketplace. My apologies,
I don't have the lighting absolutely correct, but hopefully you
can see enough of me to recognize some information of myself.
(03:14):
I have thirty seven years in the insurance industry on
both the property and cashty as well as accident and health.
At my background, I've worked for two of the biggest
global insurance companies, AIG and Zurich. Twice i held a
senior position as executive vice president, senior vice president as.
Speaker 6 (03:37):
Well as head in North America.
Speaker 5 (03:39):
I've developed insurance products and their strategies in the US,
in London, the Middle East, India and China. My partners,
of which I have three, have an equal resume, one
as a global head of distribution for Zurich in Switzerland
and the second developing at AIG in the US. My
(04:03):
area expertise is developing programs to help membership grow and
expand their value proposition. In the past thirty years, I've
helped the American Medical Association the ADA, and also I
had the opportunity to underwrite the US Olympic Committee. They're athletes,
(04:25):
coaches and credential guests during the London Games a few
years ago. But what we're really excited about is the
partnership that we have with NAYS and how we can
help the members improve their risk position and reduce their
costs structure. So John was my first challenge. We met
John in two thousand and twenty three at a NASE
(04:48):
conference in Baltimore, and I think at the point at
that point in time, everyone was just crawling.
Speaker 6 (04:55):
Out of COVID.
Speaker 5 (04:58):
NAYS had the same a time, had seven policies in
force with six different carriers and multiple expiration dates.
Speaker 6 (05:08):
We see more and more of this where there.
Speaker 5 (05:10):
Are multiple policies and multiple dates, And we were able
to help NAZ by combining those seven policies to five
and finding one carrier instead of seven carriers to place
the business. So, from my perspective, challenged, my job is
(05:30):
to make things simpler for coaches and for league directors
and to find a way to get them better coverage
at a lower cost.
Speaker 4 (05:38):
Well, let me take you back, waying back to the beginning.
There was a thing back in nineteen eighty one, I
think you called the Federal Risk Retention Because we got time,
I got to ask you to make the answers as
quick as you can because the show will only goes
so long. So can you tell me something about the
(06:01):
Risk Retention Act? Yeah?
Speaker 5 (06:03):
And actually, John, I'm not nineteen eighty one I was
in high school. I think that's an excuse, but I
don't I'm not familiar with that specific part of the legislation.
Speaker 4 (06:17):
Well, let me tell you what it was, because it
did mean a great deal to us back then youth
leagues across the country. You know, we're operating just like
in local communities and across the country with programs like
Little League Baseball and Pop Warner Football. And what happened
(06:37):
is that there was people in communities the only way
they could get any kind of insurance was their local
carrier who trying to protect them. But then they came
out along and that's what happened with this Risk Retention Act.
That helped people bring together organizations and people so they
(06:59):
could kind of like what we're doing. And it's kind
of the funny thing about Oh they a Wayne, is
that that's how our organization got.
Speaker 7 (07:07):
Started because while we wanted coaches to be trained in
safety and understand the psychological impact of dealing with kids,
the thing that they were interested in is insurance.
Speaker 4 (07:21):
And that's how it all started. So when you guys
came into the picture, like you mentioned with with John
who is now the CEO of the organization, you know,
it makes it really great for people. But tell me
how that protection works.
Speaker 5 (07:39):
Yeah, well, you before you can get on any field
or in any gymnasium, everyone wants to make sure that
you have general liability insurance and that's the insurance that
will cover you in a you know, in a liability
position in case something happened, that there's an incident. They
(08:06):
for the most part, do not want to be held
accountable for your actions on a field. The other component
that comes in behind that that we see all the
time is a participant accident, and that's really in a
lot of a lot of the.
Speaker 6 (08:22):
Organizations packaged together.
Speaker 5 (08:24):
So the participant accident helps to offset medical bills that
could occur while someone's playing. So someone breaks, sprains their leg,
they're hurt. Typically to go to a hospital these days,
John it costs at least twenty five hundred dollars to
get in and typically people will have medical insurance, but
(08:48):
there's always an at a cost there.
Speaker 6 (08:50):
So the participant accident would kick.
Speaker 5 (08:53):
In to the individual who is playing in the sport
health offset the costs.
Speaker 6 (09:01):
From the medical cost medical process.
Speaker 5 (09:04):
The other components that we see is that in some
sports there's a lot of property.
Speaker 6 (09:10):
You may have equipment issues. You may have.
Speaker 5 (09:16):
You know, storage of football helmets, storage balls, anything from
a property perspective is something that we would would look to.
Speaker 6 (09:25):
Ensure within our company.
Speaker 5 (09:26):
And there are also special events what we call contingency
liability events, so you know, weather insurance, event insurance. We
also do commercial auto workers compensation, excess liability, high limits.
So our organization is really structured to handle almost any
(09:49):
component that's out there in need of insurance with a
matter hor Yeah, I.
Speaker 4 (09:55):
Understand all of that from well, I understand a little
bit because of had to deal with, you know, having
an insurance for the organization because, like I said, back
then we were the National Youth Sport Coaches Association, so
the coaches needed in short, but the thing about it,
to bring it back to to, you know, the basic
(10:17):
level of things that you've got to what I refer
to as Billy Jones's father gets roped into coming out
and saying, okay, Billy wants to play baseball whatever particular sport,
and all of a sudden they say to his father,
we would need you to coach. So they go out
(10:37):
there to coach and they have the slightest idea because
they're a volunteer and they're there. They don't realize that
they are liable for whatever might happen with these kids.
And they're just you know, a plumber, truck driver, farmances
who cares whatever. They're a volunteer. So what do you
tell these people?
Speaker 6 (10:59):
Yeah, and John, I have a direct experience that one thing.
Speaker 4 (11:06):
I get it all the time. I'm Fred and that's John.
Speaker 6 (11:12):
I'm sorry, I'm sorry.
Speaker 5 (11:15):
No, I know firsthand experience because I coached for twelve
years and I was on one side with the parents
and a coach decided that coaching was not for him,
and I was as a risk manager in the insurance industry.
I was somewhat surprised that they had allowed me to
go to the other side of the field and coach
(11:36):
a group of girls playing soccer. So what we're really
interested in, and one of the reasons that we've partnered
with John, is that the educational components actually decreased risk
over time. So an educated coach and how to coach
and what you can and cannot do is key from
(11:59):
an perspective, because if you're getting that that individual that
walks across the field who's never been coached before, doesn't
understand you know, the sport, doesn't understand you know, the
the officials, and necessarily doesn't understand you know, what his
responsibility is.
Speaker 6 (12:18):
What NAYS brings to the table.
Speaker 5 (12:21):
Is a structured environment that people can be credentialed over time.
And that's why when we're looking at multiple carriers out there,
they're all looking for the same type of risk, and
a better than average risk is someone that educates their staff,
that knows what they're talking about. Those tend to have
(12:42):
lesser claims uh and the amount of the claims, which
is why you know, we've we've partnered with NAYS because
we think you're one of the most outstanding organizations in
the US.
Speaker 4 (12:57):
Well, that's nice for you to say, because we are
anyway with that way. And it's funny you mentioned that
because way back in the beginning, we did a video
and John may have told you about it. It's called
Youth Sports on Trial, and what we did is similar
to what you were talking about. We had an attorney
(13:18):
that was on our board and he acted as the
attorney in this trial, and we had a coach and
came in and the coach had done some kind of
negligent thing that happened on the field and even went
through the trial and then the judge said, well, what
kind of training have you had? And the guy said, well,
I haven't had any training at all. And then they said, well,
(13:41):
there's programs available for you to get trained, and he said,
well I didn't know, or I didn't want to go
and want to lose things. So you know what happened
to this guy in this case, even though it was,
you know, a fictitious situation, what would have happened there?
Do you think?
Speaker 6 (14:00):
Well, I've lived through it.
Speaker 5 (14:01):
And in nineteen ninety one I started, actually nineteen ninety four,
I started coach my daughter, and I was a little
bit surprised at not having some structure where you're doing
background checks, where people we are understanding how the sport
should be conducted. And actually in the mid nineteen nineties,
(14:24):
NAYS came to our local area in Maryland and provided
information through our league director to all the coaches and
assistant coaches, which really helped us to better understand what
some of those legal issues could arise in sports. And
(14:46):
that's really where you know, you're looking at a general
liability policy.
Speaker 6 (14:50):
It isn't just paying for you know, a.
Speaker 5 (14:56):
A for a payment because of doing something wrong negligently,
But it's really understanding the process and how you work
to avoid those type of opportunities.
Speaker 4 (15:12):
Yeah, you know you mentioned that. I think.
Speaker 8 (15:16):
Let me give you a couple examples of scenarios that
happened in true stories, because as I've been around to
discuss the whole issue of youth sports throughout the last
umpty number of years, people have come up and told
me stories, and.
Speaker 4 (15:33):
A couple of them I always wondered what happened to
that individual. I'll give you one example, one of my favorites.
Its mother goes to pick her son up at football
practice and he's not there, and she asked the coach.
He said, well, where is he? And he says, he's
over in the car over there, and she says, over
(15:56):
the car. She walks over the car and he's in
the car. The mode is running, the heats turned up
on high, the doors are closed, and she shows the
door and he's wrapped in plastic wrap. And she's horrified
because of the obvious the poor kid could have had
to eat stroke and died. So she goes and screams
(16:16):
at the coach and says, you know, you almost killed
my child. If I hadn't been here, I wonder what
would have happened to that coach and maybe even the
league that he was coaching in. What do you think
would have happened?
Speaker 5 (16:30):
Well, you know, I would say, in today's very religitious
environment that you know, he's lucky that the mom didn't
take to a larger level and didn't call the police
and didn't you know necessarily you know, try to level
(16:54):
a response against him and against the general liability. But
I would say today the environment that happening would probably
be a very different out outcome and you.
Speaker 4 (17:08):
Would be able to would matter of aren't be able
to cover him with any kind of the insurance you provide.
Speaker 6 (17:17):
Well, let's put you know, it's it's general liability.
Speaker 5 (17:20):
So you know, if you're responsible, and you're the responsible
coach and you put a child in harm's way, then
there's a big, big issue with that. Whether it's you know,
leading them in a car or you know, not not
allowing them to play in a safe environment. Those items
(17:41):
are all covered under general liability. And the first component
of the general liability is defense costs. So if that
coach is brought to you know a a you know, a.
Speaker 6 (17:56):
Local local law uh individual.
Speaker 5 (18:00):
This would help to protect and provide legal costs to
defend the coach as well.
Speaker 6 (18:07):
So twenty years ago we would never see this.
Speaker 5 (18:11):
Now, if you get you get your legs scraped on
the tense walking into a baseball field, everybody is looking to,
you know, gather enough information to potentially say, hey, you know,
you got to do a better job your field. Turn correct,
it's not safe for kids. And those type of events
(18:32):
potentially will hit the general liability.
Speaker 4 (18:35):
So all the more need for insurance to cover those situations.
How about how about when you have you have a
football organization, And in football, I've always said, these are
the most dangerous kind of people that are out coaching
kids because you got a lot of these macho kind
(18:56):
of coaches that are volunteers. Used to play maybe high
school football, maybe they probably never made the team and
said well I'm going to go out and coaching whatever,
and they're out there coaching. I give you a good example.
There was one young guy and he's coaching and the
quarterback they had in his youth football team, he runs
(19:19):
around the end. Another defensive player runs and bangs and
knocks him on the ground and the kid the quarterbacks
laying there moaning and or dire pain. And this young
assistant about eighteen years old, goes over and says, oh,
I know what you need to do. I knew what
you need to do. He popped his arm his shoulder,
(19:41):
so he told the kid to stand up, told the
kid to put on his fist under his arm, and
then he pushed down on the arm like this boom,
and the kid passed out on the ground. You know,
it was wrong with the quarterback. His arm was broken
right here, so he just broke it fully. So I
(20:02):
thought that situation if I was a parent of that
that kids and that young assistant coach, are you to
think why would they even allow him to be out
there coaching these kids? But can insurance cover that situation?
Speaker 5 (20:21):
Yeah?
Speaker 6 (20:21):
And two things.
Speaker 5 (20:23):
One is, you know, you really need a professional when
there's a childhood and I feel I feel bad for
the parent and the person that was involved. But if
there is an injury, there's a product that's typically offered
with the general liability, which is accident medical expense, and
(20:43):
that amount can you know that that amount of coverage
can be anywhere from a thousand dollars at the twenty
five thousand dollars, So in that situation where he brought
his arm and just the rehabilitation of that process could
be tens of thousands of dollars. So that's where we
(21:03):
see a lot of league directors and coaches making sure
that they have an ample amount of coverage. A thousand
dollars dollars doesn't go very far these days, so our
recommendation is to take the higher limit.
Speaker 6 (21:18):
Just going to an emergency room.
Speaker 5 (21:21):
Is at least twenty five hundred dollars, and where you're
responsible in that situation, you want to make sure that
you have coverage, you know, with your local insurance broker or.
Speaker 6 (21:34):
A national broker out there. You don't want to be
there and not have accident coverage.
Speaker 4 (21:40):
Well, I'm sure glad that you guys came along and
now you're kind of the overall coverage I think to
help all of these youth organizations across the country, you
know to be to have access to your great program,
and that's why the National Alliance for Youth Sports is
booked on and joined in partnership with you. One of
(22:02):
the last things I want to mention too, Wayne is
that from time to time because this program goes out
to twelve five hundred people who are their coaches or
are in leagues around the country or use sport administrators,
so they need to get insurance information constantly. So what
(22:23):
I thought would really be needed is to have a
like a tip of the week, something at last, maybe
no more than a minute, and you could tell a scenario,
something to keep in mind of people why it's important
for them to have insurance. I know people think, okay,
you know insurance. People are selling insurance, but you're selling
(22:44):
the protection that is needed that we all need insurance
and everywhere in our lives. So I think it'd be great,
could be talking into doing that.
Speaker 6 (22:53):
Yeah, well, well John is way ahead of us.
Speaker 5 (22:56):
So we've just completed some educational components that you can
view on the NA site. And in addition to that,
we also have a link on your site where you
can click and actually move over to matter Horn site
and provide your information, and we'll provide you back with
(23:20):
not only educational information, but also an opportunity to reduce
your costs and to increase your protection, all through the
same site.
Speaker 4 (23:30):
Well that's great. That's better than any tip because you
can look at it at anytime if you want to.
So I want to thank you very much for being
on the show today and providing you know, the information
about insurance to coaches and parents and youth leagues across
the country. And we hope to have you back on
again in the future, and I hope it's not for
(23:51):
one of these catastrophic situations that happened. So thanks again.
I have a great weekend.
Speaker 6 (23:59):
Fred, you do the same. Thank you so much.
Speaker 4 (24:04):
Well that's it for another week. I can't believe that
we've already had about twelve weeks and twelve different shows.
So thanks for being here. And if you have any
friends out there that are interested in the whole area
of you sports, whether it's kids, whether it's leagues or
being a parent and seeing things that don't go the
(24:25):
way they should for kids in sports, because remember that
the sports or the outdoor classroom, what kids learned through
sports is immeasurable. So again, thanks for joining in and
hopefully we'll see you NKS Friday morning at eleven am.
Speaker 2 (24:45):
This program is sponsored by sir Derff Publishing in the
interest for better Sports for Kids, Better Kids for life.
In this best selling book, a child, while failing to
live up to his father's expectations, is shamed and humiliated
beyond belief. He vows to never allow his own son
(25:05):
to face the same
The topics and opinions expressed in the following show are
solely those of the hosts and their guests, and not
those of w FOCY Radio. It's employees are affiliates. We
make no recommendations or endorsements for radio show programs, services,
or products mentioned on air or on our web. No liability,
explicit or implied shall be extended to W FOURCY Radio
or its employees are affiliates. Any questions or comments should
be directed to those show hosts. Thank you for choosing
(00:21):
W FOURCY Radio.
Speaker 2 (00:36):
Sports for kids in America began with what we affectionately
called sandlot ball, where kids organized their own games, made
their own rules, and played until the sun went down.
Then came along parents.
Speaker 3 (01:21):
The National Alliance for Youth Sports was born out of
a desire to bring order to the world of organized
sports for children in America. While for the most part,
children have a great experience playing sports, far too often
parents and coaches lose perspective. This program is aimed at
bringing some of America's best experts to talk about what
(01:41):
we can do to change the atmosphere of win at
all costs and parent poor behavior to one that focuses
on children having a positive learning experience through sports. Here's
our host, Fred Ang, the founder of the National Alliance
for Youth Sports.
Speaker 4 (02:00):
Hey, good morning everybody, and thanks again for being back
with Why Johnny Hates Sports. We've had some of the
great experts in the country. Still trying to get over
this cold, We've had some of the great experts in
the country, you know, talking about from everything from being
a hockey player to be a sports psychologist. And today
(02:24):
we've got to guess who's going to talk about insurance
and what that all means for kids playing sports. So
I want to introduce Wayne Gutriache too, from Matter or Insurance.
And so, Wayne, you know the old expression if I
got on an elevator and wanted to see your tag
on you said matter or insurance, I'd say, can you
(02:46):
tell me by the time I get off on the
seventh floor what that's all about.
Speaker 5 (02:49):
So here we are pushing the button, and Brad, I
appreciate you inviting us. I'll tell you a little bit
about being a little bit about matter of horn, and
then what we do well in the marketplace. My apologies,
I don't have the lighting absolutely correct, but hopefully you
can see enough of me to recognize some information of myself.
(03:14):
I have thirty seven years in the insurance industry on
both the property and cashty as well as accident and health.
At my background, I've worked for two of the biggest
global insurance companies, AIG and Zurich. Twice i held a
senior position as executive vice president, senior vice president as.
Speaker 6 (03:37):
Well as head in North America.
Speaker 5 (03:39):
I've developed insurance products and their strategies in the US,
in London, the Middle East, India and China. My partners,
of which I have three, have an equal resume, one
as a global head of distribution for Zurich in Switzerland
and the second developing at AIG in the US. My
(04:03):
area expertise is developing programs to help membership grow and
expand their value proposition. In the past thirty years, I've
helped the American Medical Association the ADA, and also I
had the opportunity to underwrite the US Olympic Committee. They're athletes,
(04:25):
coaches and credential guests during the London Games a few
years ago. But what we're really excited about is the
partnership that we have with NAYS and how we can
help the members improve their risk position and reduce their
costs structure. So John was my first challenge. We met
John in two thousand and twenty three at a NASE
(04:48):
conference in Baltimore, and I think at the point at
that point in time, everyone was just crawling.
Speaker 6 (04:55):
Out of COVID.
Speaker 5 (04:58):
NAYS had the same a time, had seven policies in
force with six different carriers and multiple expiration dates.
Speaker 6 (05:08):
We see more and more of this where there.
Speaker 5 (05:10):
Are multiple policies and multiple dates, And we were able
to help NAZ by combining those seven policies to five
and finding one carrier instead of seven carriers to place
the business. So, from my perspective, challenged, my job is
(05:30):
to make things simpler for coaches and for league directors
and to find a way to get them better coverage
at a lower cost.
Speaker 4 (05:38):
Well, let me take you back, waying back to the beginning.
There was a thing back in nineteen eighty one, I
think you called the Federal Risk Retention Because we got time,
I got to ask you to make the answers as
quick as you can because the show will only goes
so long. So can you tell me something about the
(06:01):
Risk Retention Act? Yeah?
Speaker 5 (06:03):
And actually, John, I'm not nineteen eighty one I was
in high school. I think that's an excuse, but I
don't I'm not familiar with that specific part of the legislation.
Speaker 4 (06:17):
Well, let me tell you what it was, because it
did mean a great deal to us back then youth
leagues across the country. You know, we're operating just like
in local communities and across the country with programs like
Little League Baseball and Pop Warner Football. And what happened
(06:37):
is that there was people in communities the only way
they could get any kind of insurance was their local
carrier who trying to protect them. But then they came
out along and that's what happened with this Risk Retention Act.
That helped people bring together organizations and people so they
(06:59):
could kind of like what we're doing. And it's kind
of the funny thing about Oh they a Wayne, is
that that's how our organization got.
Speaker 7 (07:07):
Started because while we wanted coaches to be trained in
safety and understand the psychological impact of dealing with kids,
the thing that they were interested in is insurance.
Speaker 4 (07:21):
And that's how it all started. So when you guys
came into the picture, like you mentioned with with John
who is now the CEO of the organization, you know,
it makes it really great for people. But tell me
how that protection works.
Speaker 5 (07:39):
Yeah, well, you before you can get on any field
or in any gymnasium, everyone wants to make sure that
you have general liability insurance and that's the insurance that
will cover you in a you know, in a liability
position in case something happened, that there's an incident. They
(08:06):
for the most part, do not want to be held
accountable for your actions on a field. The other component
that comes in behind that that we see all the
time is a participant accident, and that's really in a
lot of a lot of the.
Speaker 6 (08:22):
Organizations packaged together.
Speaker 5 (08:24):
So the participant accident helps to offset medical bills that
could occur while someone's playing. So someone breaks, sprains their leg,
they're hurt. Typically to go to a hospital these days,
John it costs at least twenty five hundred dollars to
get in and typically people will have medical insurance, but
(08:48):
there's always an at a cost there.
Speaker 6 (08:50):
So the participant accident would kick.
Speaker 5 (08:53):
In to the individual who is playing in the sport
health offset the costs.
Speaker 6 (09:01):
From the medical cost medical process.
Speaker 5 (09:04):
The other components that we see is that in some
sports there's a lot of property.
Speaker 6 (09:10):
You may have equipment issues. You may have.
Speaker 5 (09:16):
You know, storage of football helmets, storage balls, anything from
a property perspective is something that we would would look to.
Speaker 6 (09:25):
Ensure within our company.
Speaker 5 (09:26):
And there are also special events what we call contingency
liability events, so you know, weather insurance, event insurance. We
also do commercial auto workers compensation, excess liability, high limits.
So our organization is really structured to handle almost any
(09:49):
component that's out there in need of insurance with a
matter hor Yeah, I.
Speaker 4 (09:55):
Understand all of that from well, I understand a little
bit because of had to deal with, you know, having
an insurance for the organization because, like I said, back
then we were the National Youth Sport Coaches Association, so
the coaches needed in short, but the thing about it,
to bring it back to to, you know, the basic
(10:17):
level of things that you've got to what I refer
to as Billy Jones's father gets roped into coming out
and saying, okay, Billy wants to play baseball whatever particular sport,
and all of a sudden they say to his father,
we would need you to coach. So they go out
(10:37):
there to coach and they have the slightest idea because
they're a volunteer and they're there. They don't realize that
they are liable for whatever might happen with these kids.
And they're just you know, a plumber, truck driver, farmances
who cares whatever. They're a volunteer. So what do you
tell these people?
Speaker 6 (10:59):
Yeah, and John, I have a direct experience that one thing.
Speaker 4 (11:06):
I get it all the time. I'm Fred and that's John.
Speaker 6 (11:12):
I'm sorry, I'm sorry.
Speaker 5 (11:15):
No, I know firsthand experience because I coached for twelve
years and I was on one side with the parents
and a coach decided that coaching was not for him,
and I was as a risk manager in the insurance industry.
I was somewhat surprised that they had allowed me to
go to the other side of the field and coach
(11:36):
a group of girls playing soccer. So what we're really
interested in, and one of the reasons that we've partnered
with John, is that the educational components actually decreased risk
over time. So an educated coach and how to coach
and what you can and cannot do is key from
(11:59):
an perspective, because if you're getting that that individual that
walks across the field who's never been coached before, doesn't
understand you know, the sport, doesn't understand you know, the
the officials, and necessarily doesn't understand you know, what his
responsibility is.
Speaker 6 (12:18):
What NAYS brings to the table.
Speaker 5 (12:21):
Is a structured environment that people can be credentialed over time.
And that's why when we're looking at multiple carriers out there,
they're all looking for the same type of risk, and
a better than average risk is someone that educates their staff,
that knows what they're talking about. Those tend to have
(12:42):
lesser claims uh and the amount of the claims, which
is why you know, we've we've partnered with NAYS because
we think you're one of the most outstanding organizations in
the US.
Speaker 4 (12:57):
Well, that's nice for you to say, because we are
anyway with that way. And it's funny you mentioned that
because way back in the beginning, we did a video
and John may have told you about it. It's called
Youth Sports on Trial, and what we did is similar
to what you were talking about. We had an attorney
(13:18):
that was on our board and he acted as the
attorney in this trial, and we had a coach and
came in and the coach had done some kind of
negligent thing that happened on the field and even went
through the trial and then the judge said, well, what
kind of training have you had? And the guy said, well,
I haven't had any training at all. And then they said, well,
(13:41):
there's programs available for you to get trained, and he said,
well I didn't know, or I didn't want to go
and want to lose things. So you know what happened
to this guy in this case, even though it was,
you know, a fictitious situation, what would have happened there?
Do you think?
Speaker 6 (14:00):
Well, I've lived through it.
Speaker 5 (14:01):
And in nineteen ninety one I started, actually nineteen ninety four,
I started coach my daughter, and I was a little
bit surprised at not having some structure where you're doing
background checks, where people we are understanding how the sport
should be conducted. And actually in the mid nineteen nineties,
(14:24):
NAYS came to our local area in Maryland and provided
information through our league director to all the coaches and
assistant coaches, which really helped us to better understand what
some of those legal issues could arise in sports. And
(14:46):
that's really where you know, you're looking at a general
liability policy.
Speaker 6 (14:50):
It isn't just paying for you know, a.
Speaker 5 (14:56):
A for a payment because of doing something wrong negligently,
But it's really understanding the process and how you work
to avoid those type of opportunities.
Speaker 4 (15:12):
Yeah, you know you mentioned that. I think.
Speaker 8 (15:16):
Let me give you a couple examples of scenarios that
happened in true stories, because as I've been around to
discuss the whole issue of youth sports throughout the last
umpty number of years, people have come up and told
me stories, and.
Speaker 4 (15:33):
A couple of them I always wondered what happened to
that individual. I'll give you one example, one of my favorites.
Its mother goes to pick her son up at football
practice and he's not there, and she asked the coach.
He said, well, where is he? And he says, he's
over in the car over there, and she says, over
(15:56):
the car. She walks over the car and he's in
the car. The mode is running, the heats turned up
on high, the doors are closed, and she shows the
door and he's wrapped in plastic wrap. And she's horrified
because of the obvious the poor kid could have had
to eat stroke and died. So she goes and screams
(16:16):
at the coach and says, you know, you almost killed
my child. If I hadn't been here, I wonder what
would have happened to that coach and maybe even the
league that he was coaching in. What do you think
would have happened?
Speaker 5 (16:30):
Well, you know, I would say, in today's very religitious
environment that you know, he's lucky that the mom didn't
take to a larger level and didn't call the police
and didn't you know necessarily you know, try to level
(16:54):
a response against him and against the general liability. But
I would say today the environment that happening would probably
be a very different out outcome and you.
Speaker 4 (17:08):
Would be able to would matter of aren't be able
to cover him with any kind of the insurance you provide.
Speaker 6 (17:17):
Well, let's put you know, it's it's general liability.
Speaker 5 (17:20):
So you know, if you're responsible, and you're the responsible
coach and you put a child in harm's way, then
there's a big, big issue with that. Whether it's you know,
leading them in a car or you know, not not
allowing them to play in a safe environment. Those items
(17:41):
are all covered under general liability. And the first component
of the general liability is defense costs. So if that
coach is brought to you know a a you know, a.
Speaker 6 (17:56):
Local local law uh individual.
Speaker 5 (18:00):
This would help to protect and provide legal costs to
defend the coach as well.
Speaker 6 (18:07):
So twenty years ago we would never see this.
Speaker 5 (18:11):
Now, if you get you get your legs scraped on
the tense walking into a baseball field, everybody is looking to,
you know, gather enough information to potentially say, hey, you know,
you got to do a better job your field. Turn correct,
it's not safe for kids. And those type of events
(18:32):
potentially will hit the general liability.
Speaker 4 (18:35):
So all the more need for insurance to cover those situations.
How about how about when you have you have a
football organization, And in football, I've always said, these are
the most dangerous kind of people that are out coaching
kids because you got a lot of these macho kind
(18:56):
of coaches that are volunteers. Used to play maybe high
school football, maybe they probably never made the team and
said well I'm going to go out and coaching whatever,
and they're out there coaching. I give you a good example.
There was one young guy and he's coaching and the
quarterback they had in his youth football team, he runs
(19:19):
around the end. Another defensive player runs and bangs and
knocks him on the ground and the kid the quarterbacks
laying there moaning and or dire pain. And this young
assistant about eighteen years old, goes over and says, oh,
I know what you need to do. I knew what
you need to do. He popped his arm his shoulder,
(19:41):
so he told the kid to stand up, told the
kid to put on his fist under his arm, and
then he pushed down on the arm like this boom,
and the kid passed out on the ground. You know,
it was wrong with the quarterback. His arm was broken
right here, so he just broke it fully. So I
(20:02):
thought that situation if I was a parent of that
that kids and that young assistant coach, are you to
think why would they even allow him to be out
there coaching these kids? But can insurance cover that situation?
Speaker 5 (20:21):
Yeah?
Speaker 6 (20:21):
And two things.
Speaker 5 (20:23):
One is, you know, you really need a professional when
there's a childhood and I feel I feel bad for
the parent and the person that was involved. But if
there is an injury, there's a product that's typically offered
with the general liability, which is accident medical expense, and
(20:43):
that amount can you know that that amount of coverage
can be anywhere from a thousand dollars at the twenty
five thousand dollars, So in that situation where he brought
his arm and just the rehabilitation of that process could
be tens of thousands of dollars. So that's where we
(21:03):
see a lot of league directors and coaches making sure
that they have an ample amount of coverage. A thousand
dollars dollars doesn't go very far these days, so our
recommendation is to take the higher limit.
Speaker 6 (21:18):
Just going to an emergency room.
Speaker 5 (21:21):
Is at least twenty five hundred dollars, and where you're
responsible in that situation, you want to make sure that
you have coverage, you know, with your local insurance broker or.
Speaker 6 (21:34):
A national broker out there. You don't want to be
there and not have accident coverage.
Speaker 4 (21:40):
Well, I'm sure glad that you guys came along and
now you're kind of the overall coverage I think to
help all of these youth organizations across the country, you
know to be to have access to your great program,
and that's why the National Alliance for Youth Sports is
booked on and joined in partnership with you. One of
(22:02):
the last things I want to mention too, Wayne is
that from time to time because this program goes out
to twelve five hundred people who are their coaches or
are in leagues around the country or use sport administrators,
so they need to get insurance information constantly. So what
(22:23):
I thought would really be needed is to have a
like a tip of the week, something at last, maybe
no more than a minute, and you could tell a scenario,
something to keep in mind of people why it's important
for them to have insurance. I know people think, okay,
you know insurance. People are selling insurance, but you're selling
(22:44):
the protection that is needed that we all need insurance
and everywhere in our lives. So I think it'd be great,
could be talking into doing that.
Speaker 6 (22:53):
Yeah, well, well John is way ahead of us.
Speaker 5 (22:56):
So we've just completed some educational components that you can
view on the NA site. And in addition to that,
we also have a link on your site where you
can click and actually move over to matter Horn site
and provide your information, and we'll provide you back with
(23:20):
not only educational information, but also an opportunity to reduce
your costs and to increase your protection, all through the
same site.
Speaker 4 (23:30):
Well that's great. That's better than any tip because you
can look at it at anytime if you want to.
So I want to thank you very much for being
on the show today and providing you know, the information
about insurance to coaches and parents and youth leagues across
the country. And we hope to have you back on
again in the future, and I hope it's not for
(23:51):
one of these catastrophic situations that happened. So thanks again.
I have a great weekend.
Speaker 6 (23:59):
Fred, you do the same. Thank you so much.
Speaker 4 (24:04):
Well that's it for another week. I can't believe that
we've already had about twelve weeks and twelve different shows.
So thanks for being here. And if you have any
friends out there that are interested in the whole area
of you sports, whether it's kids, whether it's leagues or
being a parent and seeing things that don't go the
(24:25):
way they should for kids in sports, because remember that
the sports or the outdoor classroom, what kids learned through
sports is immeasurable. So again, thanks for joining in and
hopefully we'll see you NKS Friday morning at eleven am.
Speaker 2 (24:45):
This program is sponsored by sir Derff Publishing in the
interest for better Sports for Kids, Better Kids for life.
In this best selling book, a child, while failing to
live up to his father's expectations, is shamed and humiliated
beyond belief. He vows to never allow his own son
(25:05):
to face the same
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