I’m Done and I only provided such advise because I am an Insurance Professional.

In the prior year, there have been no injuries at basketball camp and we hope that record remains.  The Town of White Springs as it stands is responsible for the basketball Camp and under the $300,000  limit of liability, there is a sublimit for medical insurance which will cover most injuries and an ambulance if necessary.  However, if the injuries that may be sustained are considered permanent for the rest of a youth’s life, then one can expect lawsuits to the Town.  And since the School District has deeper pockets and has a gym floor that needs work, well they can be sued as well under the comparative negligence law.


Frankly I do not care one way or another.  If the County agreed to just a certificate of insurance rather than being added as an additional insured with respect to the basketball camp, that is good from an insurance expense standpoint for White Springs.  But if there are injuries involved at the basketball camp, well White Springs will be able to pay for it from its medical insurance limit which I believe is $5,000 and if the premiums go up, it doesn’t matter. Right? After all, even though the Town is broke, you will recall what Ms. Tebo said “There is no cap on legal expenses”.


As to Johnny Bullard and the School Board, the School District will obviously be paying for the excess over and above the Town’s insurance and on a Comparative negligence bases, both the School District and the Town may be responsible.  Since the schools have been abandoned, The School Board may only have premises coverage and no operations coverage; meaning coverage for students operating as a school with sports.  Well, that only mean taxes will go up if they do not have such coverage.  After all, no waiver to my knowledge has been signed by the parents allowing their child to attend basketball camp and that the the parents by signing such waiver will be responsible for any and all injuries.  Insurance, waivers are a loss control device and the FMIT policy also requests that the Town practice loss control, but of course there is no control by the Town for a third party entity to put on the program.


These are the basketball injuries a child may incur include lower limb injuries — e.g. ankle sprains, patellofemoral pain syndrome and other knee injuries, and leg/foot stress fractures — , injuries to the hips, head/face consisting of maxillary, nasal, zygomatic and orbital injuries, and wrist/hand join the list of common fairly basketball injuries.


Shooting, defending, and passing the basketball also involve the muscles of the arms and shoulders: the triceps, biceps, deltoids, and rotator cuff. The triceps in particular factor into the ability to shoot effectively from a distance (say from 3-point range). And the chest and back muscles — the pectoralis and trapezius — also are centrally involved in these movements. And such damage to rotator cuffs and other muscles usually require surgery.


Also of vital importance are the muscles of the core: It’s the strength of the abdominal, oblique, psoas, pelvic floor, and lower-back muscles that provide an efficient foundation for changing directions quickly, and making sharp cuts. A strong core also allows for a stable defensive stance, and an overall sense of balance and ease of movement


Given that pretty much every muscle group of the body is involved in playing basketball, a strength training program that addresses each of these muscle groups will, in a general way, help to prevent injury.  And Mr. Strong may already be addressing these issues but I have no idea.


By the way, this is not the same as the Town including evidence or proof of coverage for the previous HOPE program.  These programs are not sports related activities and I remember way back when, children could buy a policy for such injuries through the School for a nominal price to cover them.  I purchased such a reasonable policy on My Daughter for a foreign medical policy and she did have an injury for which she ended up as an outpatient in Germany for a fall she had.


So I am done with this chapter relating to insurance.  And if anyone wants to shoot the messenger they can, but I am an insurance professional, a CPCU with nearly forty years of experience in all areas of insurance plus non-insurance loss control.  I would be amiss if I did not advise all concern about this matter.


Joe’s area of requesting a meeting was far more cut and dry. When this happened during Mayor McKires Tenure as Mayor and Ralph Hardwick’s tenure as vice mayor, they stopped the meeting and it did not happen until three days notice. Of course McKenzie, Lofton, and Brown have felt they are above the law for a very long time.  The Sunshine Laws prevail and the Four Councilors did an unlawful act; yet, it shows that they have complete disregard for the laws and we, the Griffins did not seek an injunction to stop the basketball camp because the children look so forward to it, but the law would have prevailed in our favor and not for the councilors.  The problem here is that our Town Manager did not take care of business in April and Mr. Strong did not get the details of what was required either from Tebo or the Hamilton County School Board earlier


Karin for the blog.


Chartered Property Casualty Underwriter (CPCU) is a professional designation in property-casualty insurance and risk management. The CPCU designation is held by just over 2% of all those employed in the insurance industry in the United States. Achieving the designation requires completion of nine graduate and post graduate level courses covering topics such as insurance law, history, contracts, property insurance, liability insurance, operations, rate making, and risk management, as well as business courses in finance, corporate structure, and ethics.
Designees must pass extensive national exams in four core courses, three courses in either a personal or commercial insurance concentration, one elective of their choosing, as well as one ethics course. These exams are standardized, three-hour essay and objective-type exams.
CPCU designees are also bound by a Code of Ethics, and must satisfy educational and experience requirements. The CPCU designation is administered by the American Institute for Chartered Property and Casualty Underwriters. Designation holders have formed a professional society, the Chartered Property Casualty Underwriter (CPCU) Society. In addition to annual national meetings which serves as a conferment ceremony, the society has over 150 local chapters throughout the country.  As such if you are designated a CPCU, you are considered to have your Masters and may work toward a Doctorate.

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