Montreal Canadiens


Montreal Canadiens
A small white H contained inside a large red C, all surrounded by a blue contour.
The Montreal Canadiens[note 3] (French: Les Canadiens de Montréal) are a professional ice hockey team based in Montreal, Quebec. They are members of the Atlantic Division of the Eastern Conference of the National Hockey League (NHL).
The club's official name is le Club de hockey Canadien.[5] The team is frequently referred to in English and French as the Habs. French nicknames for the team include Les Canadiens (or Le Canadien), Le Bleu-Blanc-RougeLa Sainte-FlanelleLe TricoloreLes Glorieux (or Nos Glorieux), Le CHLe Grand Club and Les Habitants (from which "Habs" is derived).
Founded in 1909, the Canadiens are the longest continuously operating professional ice hockey team worldwide, and the only existing NHL club to predate the founding of the NHL. One of the oldest North American professional sports franchises, the Canadiens' history predates that of every other Canadian franchise outside football as well as every American franchise outside baseball and the National Football League's Arizona Cardinals. The franchise is one of the "Original Six" teams, a description used for the teams that made up the NHL from 1942 until the 1967 expansion. The team's championship season in 1992–93 was the last time a Canadian team won the Stanley Cup.[6]
The Canadiens have won the Stanley Cup more times than any other franchise. They have won 24 Stanley Cups, 23 of them since the founding of the NHL and 22 of them since 1927, when NHL teams became the only ones to compete for the Stanley Cup.[7] On a percentage basis, as of 2014, the franchise has won 25.3% of all Stanley Cup championships contested after the Challenge Cup era, making it the second most successful professional sports team of the traditional four major sports of Canada and the United States, behind only the Boston Celtics.[note 4][8][9] The Canadiens also had the most championships by a team of any of the four major North American sports until the New York Yankees won their 25th World Series title in 1999.
Since 1996, the Canadiens have played their home games at Bell Centre, originally known as Molson Centre.[10] The team previously played at the Montreal Forumwhich housed the team for seven decades and all but their first two Stanley Cup championships.

insurance policies in sport

Insuring against the risks involved in sports has arguably never been more important. The amount of money now at stake, the scale and sophistication of tournaments, and the global geo-political landscape have all helped elevate risk levels.  
Take event organisation. All eyes were on the French authorities for the recent European Football Championships. Terrorism deterrence and response was a key issue before the tournament in light of recent terror attacks in Paris and Brussels. The U.S. went so far as to issue a formal travel warning to it citizens.1 Stakeholders will have had to review their insurance cover and wider risk management strategies (especially in light of the fact that terrorism is an often excluded risk). In the end, it was not terrorism but hooliganism that caught the headlines. This in itself could have had significant insurance repercussions for those who suffered loss, depending on whether or not specific insurance policies 1) existed, and 2) provided cover for loss suffered as a result of riots, civil unrest, vandalism, or hooliganism.
Then there are the risks facing teams and individual athletes. There were numerous reports of athletes such as Jessica Ennis-Hill, Andy Murray and Rory McIlroy consulting experts about the risks of the Zika virus in Brazil for Rio 2016.2 Rory McIlroy decided that it was a risk that he was unwilling to take.3 What would have happened if the Olympics had been postponed, or if something happened resulted in the cancellation of part or the entire event? That risk needed to be appropriately managed.
Risk managers, clubs, athletes, governing bodies and event organisers (amongst others) should all be seriously considering risk management day-to-day, and it ought to be an integral part of any individual or team’s commercial toolbox. This article explores some of the most common sports-related insurance policies that are available today and the legal issues involved in their effective deployment. 

CAREER ENDING INSURANCE

Sometimes, despite talent, athletes are prevented from fulfilling their potential due to career-ending injuries. Specific policies are available to cover athletes for loss of current and future potential earnings following an injury although they are often found within personal accident policies. Often the policy will provide sportspeople with a lump sum (tax-free) and can also include potential earnings from commercial sponsorships/ endorsements.
Fabrice Muamba memorably collapsed whilst playing for Bolton versus Tottenham Hotspur in 2012. Muamba was reportedly on c. £35,000 per week and was only 23 when his career was ended. Muamba did have insurance although the details are confidential. We do not know whether Muamba had a policy that paid a lump sum for lost potential earnings, but the potential total figure could have been huge. By way of illustration, if Muamba had stayed on £35,000 per week (it would likely have increased) for another ten years, he would have earned at least £18.2m before tax.
Another notable example involves Steve Thompson (the retired England Rugby World Cup winning hooker). Thompson suffered what he thought was a career ending injury after damagin his neck playing for Northampton Saints. Thompson famously returned to the sport later that year after surgery and being passed fit to play. Thompson had received a significant pay-out from his insurers which he had to pay back before he could return to the sport. The policies should explicitly state that the athlete will not be able to compete professionally in the sport after they have made a claim. Thompson retired in 2011 after a recurrence of the original injury, and the details of a second insurance pay-out (if any) are unknown.


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