There are protections on and off the court: medical expenses in the event of accidents, club liability and player injuries are covered.
FR Group Corredores de Seguros is the company that offers this package to clubs.
‘There is a basic insurance, which is called a fan insurance, which consists of a reimbursement of medical expenses if an accident occurs at the Monumental stadium, in this case the Superclassic or 1,000 meters around the box office; 4 hours before and two hours after the game, ’explains Jaime Risopatrón, commercial manager of FR Group Corredores de Seguros.
The coverage of medical expenses by accident is up to 20 UF (545,120 pesos), and if a spectator dies by accident it covers 200 UF ($ 5,451,192). Risopatrón emphasizes that the coverage excludes a fan who suffers an injury due to a confrontation with fans of the rival team.
‘The conflict between bars is out. The typical thing that it covers is falls of the people in the stadium, that bend the foot; that a projectile arrives from somewhere, even once a person who was electrocuted because there was a cable in bad condition was covered, ’he says. This coverage is for those attending the stadium and also for those who are working, such as guards, vendors, passports and even journalists.
Civil liability
These insurances are taken by the clubs and have financial risks when organizing such massive shows: they can be challenged for not taking the necessary safeguards to prevent episodes of violence inside or outside the stadium (this insurance covers up to 3 kilometers around).
Or if, for example, an accident caused by crowds at the stadium entrance is found to be the responsibility of a club. Risopatrón tells, by way of example, that an indemnity of around 130,000,000 pesos was paid for an incident between barristas in 2015 at the Elías stadium in Figueroa before the match between Wanderers and Colo Colo began. ‘These civil liability insurances have multiple coverages and they not only have to be due to violence.
For example, if arriving at the stadium the club bus runs over fans who approached the machine. That accident is covered. In the case of Wanderers, for example, the money from the tickets had to be returned. It allows the club to respond to financial risk. For example, if the Superclásico is suspended today, that costs from 300 million pesos and for a club that is a lot of money, ’Risopatrón details.
Even players
Players are also protected by the insurance program if they suffer any injury before and during the game. ‘Not all clubs have this insurance, but those of the U and Colo Colo are covered by injuries that occur in the match, but also any physical problem they have from concentration, transfer and warm-up. The insurance covers the expenses associated with the footballer’s recovery.’
Source: LUN
