Vancouver Canucks


Vancouver Canucks
Vancouver Canucks logo.svg

The Vancouver Canucks are a professional ice hockey team based in VancouverBritish Columbia. They are members of the Pacific Division of the Western Conference of the National Hockey League (NHL). The Canucks play their home games at Rogers Arena, formerly known as General Motors Place, which has an official capacity of 18,910. Travis Green is the head coach and Jim Benning is the general manager.
The Canucks joined the league in 1970 as an expansion team along with the Buffalo Sabres. In its NHL history, the team has advanced to the Stanley Cup Finals three times, losing to the New York Islanders in 1982, the New York Rangers in 1994 and the Boston Bruins in 2011. They have won the Presidents' Trophy in back-to-back seasons as the team with the league's best regular season record in the 2010–11 and 2011–12 seasons. They won three division titles as a member of the Smythe Division from 1974 to 1993, and seven titles as a member of the Northwest Division from 1998 to 2013.
The Canucks have retired four players' jerseys in their history—Stan Smyl (12), Trevor Linden (16), Markus Naslund (19) and Pavel Bure (10); all but Bure have served as team captain. Smyl has the distinction of being the only Canuck to have his jersey number retired at their former arena, the Pacific Coliseum, as well as the only Canuck to play his entire career with the team upon retiring it.

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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