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Insurance requirements for Wiltshire FAs.

Requirements for the 2024-25 season.

There are two types of insurance policies required for the season.

  1. Personal accident insurance - this provides protection for someone who is injured in an accident whilst participating in a club activity. This policy could provide either a lump sum benefit or weekly amount (dependent on the cover selected).
  2. Legal liability insurance - this provides protection against any claims made by third parties against you e.g. claims for slips and trips or damage to third party property as a result of your negligence.

The minimum insurance requirement in this county is:

Legal liabililty clubs/teams: 'COUNTYCOVER' policy

Personal accident adult teams: 'SUPERIOR 200' policy

Personal accident youth teams: 'SUPERIOR GOLD' policy

Frequently asked questions

Legal liability insurance is arranged by this County FA as a group policy which allows you to purchase the cover at a cost effective premium, whilst also benefiting from a wide cover designed for grassroots football.

  • This cover is purchased when you affiliate to this County FA and the premium is collected together with your affiliation fees. (this includes affiliation via The FAs Whole Game System where applicable).
  • Once the premium has been received, and your affiliation has been accepted, you will be sent an 'Evidence of Cover' from your County FA.

The NGIS policy provides cover in the event of an injury to players, committee members, managers, trainers and officials.

  • Cover is operative whilst at any ground or premises worldwide where there is an agreed fixture or training and includes travelling directly to and from such activities.
  • The life cover included is operative whilst training and playing football matches only and will commence at attainment of 6 years of age and will cease at attainment of 50 years of age.
  • We recommend that you look at the range of benefits on offer to ensure you purchase cover to meet your needs. We provide cover for both adult teams (including walking football) and youth teams.
  • The policy is subject to terms, conditions and exclusions.

IMPORTANT INFORMATION: As stipulated by The FA, personal accident insurance is compulsory for Adult 11-a-side teams and all formats of youth football.

This insurance is arranged by your County FA as a group policy so clubs/teams obtain this cover via the affiliation process directly with them.

During the affiliation process you will have the option of purchasing 'Countycover' or 'Countycover Plus'. Please read the summary for more information. These are exclusive products that includes a range of covers in one policy:

Countycover includes...

  • Public liability - £10,000,000
  • Employers liability - £10,000,000
  • Officers and committee liability - £10,000,000
  • Professional indemnity - £10,000,000
  • Cyber liability - £25,000

Countycover Plus includes...

  • Public liability - £10,000,000
  • Employers liability - £10,000,000
  • Officers and committee liability - £10,000,000
  • Professional indemnity - £10,000,000
  • Cyber liability - £25,000
  • Player to Player - £10,000,000

IMPORTANT INFORMATION: Because this is a block arrangement made by your County FA it is important that you understand the cover provided to ensure it is adequate for your needs. We strongly recommend you take time to read the summary. (A copy of this document will also have been provided within your affiliation packs from the association.)

In respect of adult football the cover will only operate for any club, league or team that plays at Step 5 and below (men's) or Tier 3 and below (women's). Please contact Marsh Sport if your club or any team plays in Step 4 and above (men's) or Tier 2 and above (women's).

Cover automatically extends to include both a club and leagues commercial activities however in respect of the operation of a licenced premises. Cover does not extend for operation outside of club activities and/or to the general public (i.e. non-members or guests). If the licenced bar is only open when sport is being played, meetings are taking place or for official club events, additional liability insurance is not required. For any clubs that operate a licenced bar as a commercial enterprise, i.e. outside of club activities and/or to the general public, please contact Marsh Sport to arrange additional cover.

The cover will only operate for or a match official at Step 2 and below (men's) or Tier 3 and below (women's).

All covers are subject to terms and conditions. We have highlighted some important ones here (but for full details of all terms and conditions please view the policy summary and policy wording).

Public liability

  • Abuse cover only available to clubs who ensure all persons who operate in some capacity for the club (e.g. managers, coaches and members etc) and have involvement with children have been DBS (previously known as CRB) checked and approved as per Football Association recommendations.
  • Coronavirus disease (COVID-19), severe acute respiratory syndrome coronavirus 2 (SARSCoV-2), or any mutation or variation thereof. This exclusion also applies to any claim, loss, cost or expense of whatever nature directly or indirectly arising out of, contributed to by or resulting from: a. any fear or threat (whether actual or perceived) of; or b. any action taken in controlling, preventing, suppressing or in any way relating to any outbreak of; coronavirus disease (COVID-19), severe acute respiratory syndrome coronavirus 2 (SARSCoV-2), or any mutation or variation thereof.
  • Car parks for which you are responsible for. It is a condition that you have a clearly displayed disclaimer of liability for any loss or damage to any motor vehicle. This disclaimer is to be situated in a prominent position in your car park.
  • Designated changing facilities owned or operated by you. It is a condition that you have a disclaimer of liability for any loss or damage to visitors' effects within the designated changing facility. The notice must be prominently displayed in or adjacent to the designated changing facility. An attendant must be on duty therein throughout the whole of the time the designated changing facility is in use or it must be adequately locked if unattended.

Cyber liability

  • You must:
    • take reasonable steps to use, maintain and upgrade any program which protects against computer viruses or any unauthorised use of or access to the Insured's computer system, network, electronic link or website;
    • make back-up copies of any data, file or program at reasonably frequent intervals;
    • cancel any username, password or other security protection after the Insured became aware or had reasonable grounds to suspect that it had been made available to any unauthorised person;
    • make reasonable steps to ensure that all personal data held by the Insured is encrypted.

Please view the policy summary and policy wording for details.

Contact your County FA

Wiltshire FA, The Pavillion, Green Lane, Devizes, SN10 5EP