» «

(Monday, June 6, 2:30- 4:00 p.m.)


We have at this time 300 members. We have all of Arizona, Missouri, California, Massachusetts, Rhode Island and all of Florida who have joined en-mass. The price is right. We have a distribution of membership throughout the country. In the meetings last February we did some things as an Executive Committee. I would like to introduce the people who are members of this first founding executive group. To my left is Rick Golas from Holyoke, Bob Bottger from Fort Pierce, Buss Dippold from St. Louis Forest Park, and Vinnie Cullen from Rhode Island. Carlisle Carter is not here, but he represents the two-year extensions of major universities and he is in charge of 19 campuses in the Pennsylvania State system; Rex Brumley from Broward and Bob Dinaberg who represents the California organization with a membership 109 schools and 99 individuals. Our group is tied into NACDA because we've used it as a springboard to organize. Our group is tied into the NJCAA because the bulk of our membership is from the NJCAA. Our group also includes schools that are not affiliated like Oregon and Washington. We also have Max Van Laningham from Dodge City who is not here. Art Becker from Scottsdale is running the golf tournament this week. We all met in February and put this together.

We have broken down the United States into eight regions. This is basically representative of the number of community colleges in those regions. Some involve a large number of states. Some involve four states. California with Nevada has 99 community college potential membership. Each one of the groups has approximately 95 to 100 schools.

We have a Constitution written by Art Becker and Bob Dinaberg. We have the intention now to establish representatives from each of the regions to go along with this executive board and we set up a criteria of 25 members per region to add to this board. There is some representation in terms of population and in terms of membership.

The Executive Committee set up various committees. We have a Constitution Committee. A convention has been planned and it's been our notion to tie it in with the NACDA Convention. We're trying to keep our organization tied in with NACDA because this is where we got our start. But, there has to be a little separation because we may lose some people who cannot come to the full NACDA Convention week, so we may have ours a couple of days prior to NACDA's. We have a Convention Committee. We have a Finance Committee. We also have a Historical Archives and Necrology Committee. Later on we can establish other committees.

We intend to perpetuate publication research. Bob Bottger has put out three newsletters and we feel this will be the best communication instrument that we will have. If we have conventions on east and west coasts, we will probably lose some of our membership attendance, but we will have a newsletter to inform ti members.

We also have a chartered organization with a tax number from IRS. Most of this has been accomplished since we met last year in San Diego. As I say, we're right at 300 members.


We want to promote some positive communications in our newsletter. It will be a chance for you to and get your school's name out there. Give us your success stories and we will pass them along in the newsletter.

I would like to call on Bob Bottger to report on where we stand on some of our committees.

Each institution has a potential member. There are about 90 to 105, if you add them up, by region. can have more than one member from an institution. We are specifically set up not for just athletic directors, but athletic administrators to involve more people.

We want you to let us know who we should contact in your region to increase our membership. We also want you to be aware that each region will end up with; a, a representative. Your incentive to build your membership is when you get 50 members, a second representative will be added. When you get to 75 members, another representative will be added, etc. You build up your membership in your region and you will have I direct voting power in terms of what's going on in the organization.

Again, I'm seeking ideas from you as to what to put in our newsletter. It's your newsletter, but yOl got to communicate with me in terms of getting information out. Thank you .


Our next speaker is Bob Dinaberg who will speak to the Constitution.


I would like to congratulate you Bill, on getting this organization going. It's been a lot of work and most of the direction has come from Bill Miller.

The Constitution is just a draft now. If any of you have any comments or questions after you review it, please give them to Bill.


At this time, Bill Miller asked the floor to stand up, introduce themselves and identify their schools.


I handed out a topics list and application form to see what topics can be presented at a convention. Right now, we're going to organize some topics for next June at our Convention in Anaheim. We need your help in trying to find topics and speakers who may be of interest to us. In order to have a successful convention, we need these topics of interest from you. If you have any questions, please see me.

I would like to introduce Rick Galas at this time.


The balance in our treasury was $1,500. We now have $1,460.


We want to make our Convention registration fee tie in with whatever we have at our convention. If we have coffee breaks, etc., we'll incorporate those expenses into our fee. Right now, I don't see much need for a big treasury. You have to charge something and I don't think $5.00 is too much. We'll stack it up and use it, but we certainly cannot have free membership.

Our next topic is the membership services. To give you a sample, I would like to present two areas in which some of you are very well versed in and some of you may have very little exposure to it. I've known Herb Appenzeller for a while now, and he has been the guru of risk management, sports and torts, liability, and he has a service you might be interested in. We have become very interested in liability. Three years ago, our insurers dropped our coverage in our district from $11 million to $1 million. They raised the premium for our liability coverage and cut out 16 areas of coverage. We had to remove the high board in the swimming pool and get rid of the trampoline and all gymnastic equipment. Herb has a service which we are most interested in and I want to present him to you now. Herb.


Thanks, Bill. Two years ago at NACDA, Ron Baron was here for the Sports Law & Risk Management and he asked me if I wanted to be his partner. I didn't know anything about him, but if he wanted me to work with him on a few things, I'd be glad to work with him. Then, I could see what he does and what I do.

I was very impressed with Ron. He's a bright attorney with a sports background. After 40 years, I retired as an athletic director last year. I never thought I'd be back to NACDA, but I'm glad to be here.

I mentioned to Ron that I'm an old junior college man. My first coaching was at Chowan Junior College. I coached there for five years. I know the problems we junior colleges have financially and in every other way. I asked Ron, "what can we do for NAIA?" I'm very sensitive to NAIA. Finally, NACDA has done something I like and that is to have NAIA meetings during the NACDA Conventions.

On a lot of your campuses, the risk manager is very interested in doing something for the sports program to try to prevent injuries, subsequent losses, etc. So the risk managers are the people who usually contact us and pay the bill. I told Ron that I would be down here and pass along any information that would be of interest to you. If you are interested, you can contact Ron and he will provide you with further information about our program and what we can do for you. Ron has moved from Houston to New York. His address is, The Center for Sport Law, 108-18 Queens Blvd., Forest Hills, NY, 11375. I'm sure you'll find that we can identify some areas of potential liability problems and try to help you with them.

May I wish you the best of luck in your new organization and I will try to help get Chowan College to join.


I would like to introduce Kathy Polanshek from our NACDA Insurance Administration Office to give us information on insurance.


Good afternoon. I've prepared a small packet for each of you which we will pass out to you later. Basically, Bill asked me to explain excess or secondary coverage. By definition, it's a coverage that pays only those expenses which are not paid or payable by your athletes' other insurance. This would be such insurance as their parent's insurance or a student insurance plan. You have to take your claim expenses and file them first with the athlete's other insurance. Then your athletic insurance which your college purchasef would pick up the difference. It would also go back in and pick up the deductible of the parents' insurance. All in all, you should have 100 percent of your expenses paid by an excess plan. These would be amounts over whatever deductible you select.

Why should you buy excess coverage? First of all, your initial premium cost is going to be less. From what I understand, all of you are on a tighter budget than some of the larger schools. Your excess coverage is going to cost you less premium dollars to start with. By working properly with an excess plan and finding out how many of your athletes have other insurance first, you can save money on your renewal premiums. All we're going to charge you, or any other insurance company you go to, is going to be what we pay back in premium dollars. If you're collecting most of your claims' expenses from other insurance, then your renewal premium is also going to be less.

When a school buys an excess program, we estimate that probably about 60 percent of your claim's expenses, which includes your deductible amounts, are going to be paid by the other insurance.

If you bought a $100 or a $250 deductible from us, we suggest that you file even claims under that deductible with the athlete's other insurance. A lot of times you can pick up the difference that way.

First of all, you need to consider how many athletes have other insurance. If you're coming from an inner-city area where you have an idea that the students won't have insurance, you're probably better off in selecting a lower deductible. You would have your athletes pay the first $100 or the first $250. If they don't have other insurance, all of the excess plans I'm familiar with would pay primary after your deductible amount. You've got to check when buying an excess program if it has a disappearing deductible. That means that expenses paid by the other insurance apply to your deductible. You don't want your insurance company to come back to you and say that the other insurance has paid $500 now. You have a $250 deductible and we want the $250 from you. So, you've got to make sure that you have a disappearing deductible.

In the packet is our NACDA insurance claims brochure for excess coverages. There are some good lists o do's and don't's on the back which will help you in administering an excess program. There is more paperwork involved with an excess program, but this brochure will help you both with our insurance program and anyothe insurance program.

On catastrophic injury insurance, the plan is to provide long-term care and benefits for the seriously injured student-athlete. This will take care of their medical costs, the surgical costs, and the rehabilitation costs. It should also provide some sort of disability coverage for the athlete. You really need to check to see what the period of care is going to be provided under any catastrophic policy. A comp~ can sell you a policy that has a million-dollar limit. But, if they have a one-year, two-year or three-year payout period, it's not really what you're looking for. What you want are lifetime benefits. You want to make sure that down the road if there's a surgical procedure that can be performed to take that disabled athlete and put him back in the work force, that your catastrophic insurance policy is going to pay for it.

The only programs that have the lifetime benefits with unlimited medical care are the programs offered by NACDA, NJCAA and the National Sports Underwriters. There's a company out of Alabama that offers similar catastrophic programs, but it really doesn't have your lifetime benefits under it. I have outlined some of tt items you should look for when you purchase a catastrophic plan. What you want is an unlimited medical maximum, and you want a lifetime benefit period.

We've talked to our underwriters and mentioned that you were forming a two-year college association. They felt that your needs were probably different from those of Division I, Division II or Division III schools. They feel that if your association does take off, they could tailor a program designed to your need and your budget.

Finally, NACDA insurance does not have a plan that offers a first-dollar coverage, a zero deductible plan. Our lowest plan is $100. NJCAA, I believe through National Sports, offers a zero deductible plan. First Agency of Kalamazoo also offers a zero deductible plan. We used to do this back in the late 1960s. seemed, however, that the claims under that type of program couldn't keep up with the expenses the insuran< company was paying out. So, what you were getting stuck with was a much higher premium cost and there was no way we could find to keep the claims at a reasonable level to keep the losses at a reasonable level. Therefore, we have quit writing these policies.


I appreciate your time today and thank you for coming

Thank you very much. I will remain after the session to answer any questions you may have.