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Gut Check
October 18, 2016
After nearly eight years on the staff of the National Federation of State High school Associations, I accepted the challenge of leading an effort by a private business to consolidate the insurance needs of high school athletic associations and to control their coverages and costs through a self-insuring pool. My assigned goal was to assemble at least half of the 50 states in this fund. The need was so great at that time for comprehensive general liability and directors and officers insurance tailored to the unique needs of state high school athletic associations, that the group was quickly assembled and launched.
My time leading this effort was brief. In spite of the program's immediate success and continued growth, I became uncomfortable. The discomfort was born and grew in the fact that while I was out meeting with states, decisions were being made back at the home office that I was not involved with or aware of. I began to feel used ... my credibility was bringing in business, but changes were being made without my input; and I feared for my reputation. After a year of this, I resigned the position. That was 1981.
Nine years later, the companies' CEO was terminated when it was discovered that he used the construction of a company headquarters office to build himself a new house at the same time, burying his home construction costs into the books of the companies' capital expenses. Seven years after that, the companies' founder and namesake went to jail for operating from 1984 until at least 1993 what was determined to have been a Ponzi-like scheme.
I listened to my gut which, long before my head, knew something was not right. In fact, my gut seemed on alert well before things went wrong. This has happened at other crossroads and dozens of less dramatic moments in my professional and personal lives.
In this time of increasingly complex and difficult decisions, both personal and professional, the gut may be a good guide for us all.
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Summer Football Safety
June 23, 2017
Across the U.S. this summer, school-age football players are flocking to camps conducted by colleges and commercial interests. They get outfitted in full gear and launch themselves into drills and skills work.
Unlike the start of the interscholastic football season, the players usually do this without several days of acclimatization to avoid heat illness, and without limits on player-to-player contact to reduce head injuries.
Required precautions of the school season are generally ignored at non-school summer camps.
One notable exception to this foolish behavior is found in Michigan where the Michigan High School Athletic Association prohibits member schools’ student-athletes from using full equipment and participating in full-contact activities outside the high school football season. This is not a recent change; it’s been the MHSAA’s explicit policy for more than four decades.
And it’s a policy that has never been more in style and in favor than it is today.