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British Fencing Insurance Zone


As part of your membership with British Fencing you automatically receive the benefit of the association’s Combined Liability and Group Personal Accident insurance.

This web page provides a brief overview of how these policies benefit members and clubs, and can offer basic guidance to fencers, coaches, clubs, and club officials in respect of the insurance policies provided.

To understand what these covers are and to see the main terms and conditions that apply please make sure you refer to the downloads section of this website and where you find the policy summaries and insurer policy wordings.

Who’s covered?

  • British Fencing Association LTD, English Fencing LTD, Guernsey Union d’Escrimes LBG, Scottish Fencing LTD, NI Fencing LTD, Welsh Fencing LTD
  • British Fencing affiliated clubs
  • Affiliated members
  • Coaches
  • Officials and volunteer

When does the cover operate?

Both the Liability and Personal Accident insurance apply when a member, coach or club is participating in any recognised activity of British Fencing. These activities will typically include club activity, training, competition and club social events. 

Alongside the Combined Liability insurance British Fencing have arranged a Personal Accident policy for members if they are accidentally injured when participating in a sanctioned activity or event, or whilst taking part in a club organised training activity.  

Explore the insurance provided...

slected option
  • Public Liability - cover for your legal liability of up to £10,000,000. This insurance provides protection against legal liability for bodily injury to third parties and damage to third party property.
  • Professional Indemnity - cover for your legal liability of up to £10,000,000. This insurance covers coaches and those in the role of committee members & officers for claims made against them which allege that a third party has suffered an injury or financial loss caused by negligent acts, errors or omissions during coaching activities.
  • Employers Liability – cover for a club’s and home nation’s legal liability of up to £10,000,000 in respect of claims made against the affiliated entity for injuries caused to an employee or volunteer arising out of and in the course of their such employment.
  • Directors, Officers & Committee Liability* – cover for a club’s legal liability up to £250,000 per club for claims made directly against directors, officers, or committee members of a club for alleged wrongful acts in connection with the club affairs.

*Please note home nations are responsible for purchasing their own Directors, Officers & Committee Liability.

Operation time: Whilst participating in Official, Pre-arranged Training/Practice, Competitions and Official Social Events, including travelling to and from any venues for these purposes.

Principal benefits:

  • Accidental Death £50,000*
  • Permanent total disablement £50,000**
  • Hospitalisation benefit £50 per day, up to £750
  • Funeral expenses £10,000
  • Dental & Optical Expenses up to £750
  • Physiotherapy up to £500
  • Broken arm (Humerus, Radius & Ulna) or Wrist (Carpals) £250
  • Broken leg (Femur, Tibia, Fibula), Ankle (Tarsals) or Kneecap (Patella) - £500
  • Broken skull (excluding jaw and nose), Collar bone (Clavicle), Shoulder Blade (Scapula) - £250

*The Death benefit is reduced to £25,000 for individuals under the age of 16 years.

* *The basis of cover for permanent total disablement is any and every occupation.

The level of cover purchased by British Fencing Association for its’ members does not include a weekly payment and the policy is not designed to replace your usual income in the event you are unable to work following an accident.

For a full list of the Personal Accident benefits please review the Personal Accident Schedule within the downloads section.

Incident reporting

It is important that all incidents that may give rise to a claim, however minor, are reported to Marsh Sport as soon as possible after the event.

Please email all incidents to jenny.holmes@marsh.com or telephone 0113 394 2287

Useful contacts

Senior Account Handler - Jacqui Mitchell

Email: Jacqui.mitchell@marsh.com

Tel: 0121 623 1158

Client Executive – Natalie Wale

Email: Natalie.wale@marsh.com

Tel: 07392 123835

Claims Handler – Jenny Holmes

Email: Jenny.holmes@marsh.com

Tel: 0113 394 2287

Frequently asked questions

Yes, the public liability insurance provided will defend your position, should you be sued for injury to a third party or damage to a third parties property. Please note any claims relating to deliberate or criminal acts are excluded.

We recommend that a designated person within your club is made responsible to record any reportable accident/incident. Records must be kept for at least 6 years, and longer where it involves a person under the age of 18 years. Names and addresses of any possible witnesses should also be recorded. Please ensure your club has an accident book to record all such information. In respect of Safeguarding allegations records should be kept indefinitely.