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 Private Operators 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 £10,000,000, in regards to Public Liability, is the appropriate amount of cover to provide Registered Approved Providers 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.
In addition to recognised BJA activities, Private Operators are covered for all activities typically associated with the running of classes, including administration.
As a Company Director you have a personal liability in respect of the management of your company. Directors’ and Officers’ cover can be provided in order to protect you if you are sued for negligent decisions.
Employers Liability insurance is a separate insurance required 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 classed as an “employee” even if you are not paid. Our advice would always to take out Employers' Liability insurance.
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.
Insurance cover is only available to members who have a permanent UK address.
Please refer to the policy wording for a full list of the exclusions.
The age limits for class participants are 5 to 19 years of age.
There are no excesses on the Sport, Recreation and Leisure Liability policy.
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.
You should immediately record all relevant information as defined in the Incident Recording Guidelines.
If there are verbal or written allegations made against you, 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.