Sport, Recreation and Leisure Liability Insurance provides for legal liability following negligence, nuisance or trespass. Unlike other liability insurances, it not only covers Public Liability, but also includes cover for the following, which are excluded from other providers standard covers:
In the event of a claim the limit of indemnity is the maximum the policy will pay. The Sport, Recreation and Leisure Liability policy provides the following Limits of Indemnity:
Please note Director’s & Officers’ and Abuse claims are costs inclusive.
Howden believe that £20,000,000 is the appropriate amount of cover to provide clubs and members with peace of mind in the event that an individual is held responsible for causing a catastrophic injury. Claims involving sports injuries have already exceeded £5m in recent years, with court awards escalating annually.
The Sport, Recreation and Leisure Liability is designed specifically to meet the needs of the British Judo Association, its clubs, licence holders and volunteers.
Individuals who may be interested in joining a club are insured for a maximum of 4 initial “taster” sessions.
For indemnity to apply it is essential that the club records their name, address and dates of attendance. These details must be retained as they may be called upon in the event of a claim.
The individual must be licensed by the British Judo Association from their 5th visit.
Failure to do so may mean that the insurance will be invalidated in the event of a claim.
In addition to recognised BJA activities, clubs are covered for all activities typically associated with the running of a club, including administration, club promotional events and public displays, club recruitment and social events linked to the club.
All social events and public displays should be risk assessed prior to the event taking place.
As a committee member you have a personal liability in respect of the management of your club, particularly if the club is unincorporated. Sport, Recreation and Leisure Liability insurance provides Directors’ and Officers’ cover in order to protect you if you are sued for negligent decisions.
Cover is provided specifically to protect club officials and committee members.
Yes. Employers Liability insurance protects your club in the event that an employee is injured and claims compensation against the club.
In general, you may need employers' liability insurance for someone who works for you if any of the following apply:
Under British Law, you can still be called an “employee” even if you are not paid.
Employers' Liability protects the employer in the event of an injury to an employee, for which the employer is liable. i.e. when the employee sues the employer. Employers' Liability could apply to clubs who employ coaches or volunteers to work on their behalf.
Public Liability protects a club / member / volunteer if another member, or a member of the public, sues them for injury or damage caused.
Liability cover is provided for trips abroad that are authorised/recognised by BJA.
Please note this is NOT a Travel Insurance policy, cover for which can be obtained from Sport Travel Insurance.
No, it is essential that you take out travel insurance for all members of your party travelling abroad. To obtain a quotation for travel insurance that will include cover whilst you are competing, please click Sport Travel Insurance.
Insurance cover is only available to members who have a permanent UK address. Such members are covered for their Liabilities in terms of recognised activities in both the UK and overseas, provided that any overseas trip is officially recognised/authorised by BJA.
Any member permanently living abroad is not covered.
Please refer to the policy wording for a full list of the exclusions.
There is no age limit.
The Sport, Recreation and Leisure Liability policy is written on what is known as a “claims made” basis. This means that the policy provides cover for those claims reported during the period of insurance, rather than the policy that was in force at the time of the incident.
Yes but only for the defence of civil actions.
There are no excesses.
You should immediately record all relevant information as defined in the Incident Recording Guidelines.
If there are verbal or written allegations made against your club, you should click here and complete the online form to notify Howden of the incident.
We would remind you that in NO circumstances should you admit liability or agree to pay for any damage caused as this may prejudice the position of Insurers and COULD result in the withdrawal of any indemnity.
Please note that this is a Liability Policy where Insurers decide if negligence attaches to you. Therefore any payments you make to any third parties will not necessarily be reimbursed.
Previously this was the case but with effect from 01 January 2017 the BJA insurance provides all risks cover, anywhere in the UK, up to a limit of £5,500 where a Club is either the owner of, or legally responsible for, Judo Mats, Scoring Equipment and/or Trophies. There is no longer a need to register your club in order to benefit from this cover, it is provided automatically.
An excess of £250 applies to each claim
The main exclusions are:
Yes, additional cover or further details can be provided by contacting Howden.