Joe Denina

INSURANCE POLICIES

Football NSW Insurance pack – covered by registration fee.

1. Public Liability

2. Professional Indemnity

3. Accident Support Scheme

Other policies offered1. Directors and Officers

2. Top up insurance

3. NSW Sporting Injury

DIRECTORS & OFFICERS

$2 million cover Covers Associations, Clubs & Referee

branches Cost per Club $45 No change for the past three years

DIRECTORS & OFFICERS

Added benefits negotiated at no extra costsCorporate employment practice coverDefinition of insured now includes members

of GPT panels○ Insured person definition: “ any natural person

who was or now is or may here after become a director, secretary, executive officer, permanent, part-time, temporary or casual employee, member, volunteer, tribunal members, trustee or committee member.......

PUBLIC LIABILITY

$25 million cover Covers Associations, Clubs, Referees

branches. $1000 excess per claim Certificate of Currency available on

website

PROFESSIONAL INDEMNITY $10 million cover Covers accredited Coaches & Referees

ACCIDENT SUPPORT SCHEME Charge to players has not changed since 2004/2005 season. Over 200,000 Accident Support leaflets distributed to your clubs

each year Improvements to scheme & ability to hold rates is a direct result of

our decision to partially self insure. Improvements to scheme;

Physio increased from $300 to $350 Increased medical benefit from 75% to 85% Increased lodgement period from 30 to 60 then to 90 days. Increased loss of wages benefit from 75% to 85% or $200 Increased funeral benefits from $2500 to $5000 Increased Capital benefits from $10k to $20k for under 18 year

olds Increased Capital benefits from $50k to $100k for over 18 year

olds

TOP UP INSURANCE

This insurance is available to all members at a cost of $618 per each $100 of extra income.

Must be taken out on a per team basis. Available through our brokers BJS

NSW SPORTING INJURY

Capital benefit scheme Available directly through NSW Sporting

Injury Committee. Current cost of $3.17 per adult & $0.77

cents per junior. Website – www.sportinginjuries.nsw.gov.au

Average cost of claims Accident Support

Scheme Claim cost on average have continued to increase and with greater benefits, CPI impact & worsening conditions of our grounds you can expect the average claim to increase at an even quicker rate.Average claim in 2005 $808 per playerAverage claim in 2006 $746 per playerAverage claim in 2007 $1099 per playerAverage claim in 2008 $1367 per playerYear 2009 not yet finalized

Claims by injury type Years 2006,2007,2008,2009

TYPE No of Claims

Incurred Average Claim

% of number

% of incurred

Ankle 668 $288,527 $432 12% 6%

Arm 360 $177,275 $492 6% 4%

Back 72 $22,012 $306 1% 0%

Death 5 $12,832 $2,566 0% 0%

Foot 120 $53,960 $450 2% 1%

Hand 145 $76,358 $527 3% 2%

Head 387 $244,615 $632 7% 5%

Knee 2193 $2,763,350 $1,260 39% 55%

Leg 1147 $1,100,637 $960 20% 22%

Neck 49 $9,235 $188 1% 0%

Shoulder 326 $185,966 $570 6% 4%

Torso 152 $70,017 $461 3% 1%

Public Liability Claims History Year Number of Claims Cost

2001 1 $3,013

2002 7 $802,743

2003 2 $33,255

2004 - -

2005 3 $68,522

2006 7 $69,365

2007 3 $47,513

2008 2 -

SUMMARY

What does the FNSW Insurance pack cost?

1. The Players – Juniors $9.50, Adults $59.05 (GST Inclusive)

2. The Club – No cost

3. The Association – No cost

4. The Volunteers – No cost

5. The Committee members – No cost

6. The Coaches – No cost

SUMMARY - continued

What policies do you receive for free? 1. The Club (approx 900) – Public Liability

2. The Association (33)– Public Liability

3. The Volunteers (approx 20,000)– Public Liability, Personal Injury

4. The Committee members (approx 6,500)– Public Liability, Personal Injury

5. The Coaches (approx 20,000)– Professional Indemnity, Personal Injury

6. The Players (206,000)– Public Liability, Personal Injury.

Risk Management & administrationo With the introduction of the self managed insurance scheme

FNSW has been able to and at the request of our insurers, provide risk management policy directions and support to Associations. Michelle Hanley heads up this area and works closely with Association administrators.

o The fund enables us to provide member protection services and resources.

o FNSW has under the self managed scheme requires greater administrative involvement in claims and all areas of insurance.

o FNSW answers over 1000 calls per annum from players and parents who require assistance with claims and understanding of the policy benefits

For general information, sporting injury claim forms, Accident Scheme information leaflets & Certificate of Currency forms please visit our website at www.footballnsw.com.au

Thank you