Risk Management for Covid-19

As Covid-19 causes an escalating impact on daily life, we know it can feel overwhelming to try and manage. We understand the concern you have for your event’s success and team’s safety, and want to do whatever we can to help you feel prepared and informed. We hope that this provides some clarity, and can be used as a guide for minimizing risk, so everyone feels more comfortable and clear-headed.

Understanding Risk

It’s important to understand the factors that increase the risk of spreading the Coronavirus on both a broad, and a smaller scale. Here are a few factors to take into account when evaluating risk.

  • Your State: New information about Covid-19 is being made available by the minute, and we encourage you to keep up to date with your local and state government guidelines.
  • Your Community: If the virus is particularly rampant where you are, the risk of spread is higher, especially at events with high volumes of people gathered. Recognize the demographics that make up your community. Older people, and those with compromised immune systems are more at risk than children and young adults.
  • Your Team: Consider the conditions of your events. Spreading the virus is more likely when travel or public transportation is involved, as well as at events in confined, indoor spaces where crowds are gathered.

Mitigating Risk

We want to help you feel effective in your responsibility to minimize risk and reduce any liability to your organization. Here are a few ways you can stay ahead.

  • Disperse Information: Post signage whenever possible explaining the risk of attending an event. Also, make sure your parents, coaches, and teams have the information they need to minimize their own physical risk. This includes promoting good hygiene habits, healthy lifestyle practices, and precautions such as minimizing physical contact.
  • Suggest Voluntary Quarantine: Request that anyone who is ill, feeling flu-like symptoms, or has traveled recently stays home.
  • Mandate Sanitization: Make sure that facilities are sanitized properly, all uniforms are laundered after use, and water bottles and other equipment are taken home and cleaned after every use.
  • Re-frame Gatherings: When possible, limit unnecessary social interaction. This may include asking employees to work from home, limiting spectator attendance at events, or discouraging handshakes and other physical contact at events.
  • Cancellation – Sports Organizations: If you feel like it is within the best interest of your teams, coaches, and parents, canceling an event is an option and is ENCOURAGED.

A Few Things to Note

All of the precautions listed above will not only help avoid the spread of Coronavirus within your community, but will also protect you from being seen as negligent in your attempts to minimize risk. This is important because in many cases, General Liability Insurance may not provide coverage for exposure to Coronavirus. This depends on specific exclusions.

For Sports Organizations:

  • Please note that if your renewal date falls within the timeframe of a government lockdown or suspended league play, and you renew coverage when activity resumes rather than on your actual renewal date, you will not be able to backdate to your original renewal date. This means that you must bind coverage on the day you apply if you choose not to renew on your scheduled renewal date.
  • If your season is cancelled before it begins, you are eligible for a full refund of your insurance policy.

Special Events and Combat Promoters:

  • If your event is cancelled due to a government mandate, or another factor that is out of your control, a refund will be provided. If you are simply postponing, you may decide to apply your premium to your future event.

The more seriously we take Coronavirus now, the sooner we will be able to get back to doing what we love the most! We know that this brings up a lot of concerns, but we’re here to help, so if you have any questions, feel free to reach out!

* For PONY participants: In an effort to protect players and families, PONY is encouraging a temporary suspension of league activities until April 6th.

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