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Old 01-20-2015, 06:23 PM #1
Warrior Paintball
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Join Date: Nov 2011
Location: Simpsonville, SC
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A player was injured at your field, what do you do?

We usually get this question a lot on Mondays and Tuesdays: "Someone was injured at my field this weekend, what do I need to do?"

Just like your car insurance, you need to contact your insurance agent and notify them that you've had an injury on your premises. With Cossio Insurance there is an incident report form that you will have to fill out and submit along with the injured player's waiver. If you do not have your insurance through the CIA you should still have some sort of way to document incidents at your location (word doc, etc.) You should also take pictures of the area where the injury took place and collect witness statements from your refs and other players who were around the player when they were injured. Rope off or quarantine the area until you can confirm it is safe to play.

Your insurance policy requires that you report any injuries to the carrier as soon as possible. REPORTING INCIDENTS DOES NOT COUNT AGAINST YOUR INSURANCE! The only time that your insurance will be affected is when that incident turns into a full-blown claim i.e. you receive an attorney letter or some other demand from the injured party. By reporting the incident when it happens you don't have to scramble to find a waiver for a player that played a year ago and just now decided to file suit. There might also a high turnover for your refs so your witnesses might not be available or able to recall what happened.

The next thing to do is to identify and fix the problem. Make sure you are writing down the steps you took to rectify the issue so it doesn't happen again because if it isn't documented it's tough to prove it ever happened in the first place.

Some owners take the initiative and offer to pay for the injuries out of their own pockets instead of filing an insurance claim. This is OK as long as you have something in writing releasing yourself (and your company) from any future liability or complications resulting from the injury--- this is usually best left to your attorney. Regardless, you should still send in an incident report.

Your insurance premiums will never go up due to a massive amount of incidents being reported, so go ahead and report an injury if you feel like it could turn into a claim at some point in the future. Research the statute of limitations for your state and make sure you document the dates of the incidents. We've found that the fields that report EVERY incident, big or small, tend to have fewer claims than the ones that do not submit any. By reporting the incidents we can get involved with the loss control/mitigation and help prevent future injuries. Sometimes all it takes is another set of eyes to spot a potential issue!

If you would like more information or advice on this topic please feel free to send me message, I'd be happy to help!

-Alex Cossio
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Old 01-20-2015, 08:13 PM #2
robdavy
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Join Date: Jan 2013
Location: Edmonton, AB
What's the threshold for a reportable injury? Examples?
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Edmonton Paintball Centre
10010 107a Ave NW, Edmonton, Alberta, T5H 4H8
(780) 800 2324
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Old 01-20-2015, 09:24 PM #3
Warrior Paintball
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When in doubt, go ahead and report it. We've seen incidents as minor as a cut finger turn into blood infection claims because it was a rusty nail.

If a customer comes off your field with any injury you should at least have a ref document it somewhere. Bee stings, snake bites, trip and fall scrapes, ran into a tree limb.... any injury. Insurance companies do not want to pay claims for injuries that could have been avoided. Injuries at your field are dollars out of their pocket.... until your renewal comes around. By eliminating simple hazards that the players have to jump over your trip and fall exposure goes down. Trim all of the low branches on your woodsball fields. If someone's goggles come off on the field and they are hit in the eye, guess who's negligent? You didn't provide a safe playing area for your invitees, which is a reasonable standard of care for a paying customer. Your carrier will cut a check and either nonrenew you or you will be paying top dollar for the same coverage for at least 5 YEARS. In today's world, your customer will sue you if he shoots HIMSELF in the eye while he's packing up his own gear.
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