What is public liability insurance?
Public liability insurance protects your legal liability (or the legal liability of your club, association or league) to pay any sums as compensation arising from a claim by a third party for injury or damage to their property.
The limit of indemnity can be set depending on your specific needs, although the minimum limit provided by most insurers is £2,000,000.
What is employers’ liability insurance?
If you, or your club, association or league, employ anybody under a contract of employment, you are required by law to have employers’ liability insurance in place.
As with public liability insurance, employers’ liability insurance protects your legal liability to pay any sums as compensation arising from a claim by an employee for injury during the course of their employment.
The standard limit of indemnity is £10,000,000, although an increased limit can be arranged, if necessary.
What is professional indemnity insurance?
Professional indemnity insurance protects your legal liability in respect of a breach of professional duty arising from a negligent act, error or omission.
If you, your club, league or association provide any coaching services, professional indemnity insurance will protect you in respect of a claim made for injury to a third party caused by the advice/instructions given by you or a qualified coach on your behalf.
As with public liability insurance, the limit of indemnity can be set according to your needs, starting from a minimum limit of £1,000,000.
What is personal accident insurance?
Personal accident insurance provides monetary benefits to an insured person following an accident which results in bodily injury.
Personal accident insurance differs from liability insurance in that the monetary benefits are payable regardless of any negligence.
In most cases, cover is operative whilst you are participating in your chosen sport, including whilst training or practising. Cover can also be extended to include travel to and from any venue.
The cover and monetary benefits can be set to meet your specific needs. Most personal accident policies will include the following covers as standard :-
- Accidental Death
- Loss of Limbs and/or Eyes
- Permanent Total Disablement
- Temporary Total Disablement
