£5,000,000 limit of indemnity subject to a £500 policy excess each and every claim. Cover to protect affiliated clubs 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 club activities.
Club Liability Insurance - included within British Rowing Club Affiliation Plus
The following insurance is included:
- Public and products liability - £10,000,000
- Employers liability - £10,000,000
- Professional indemnity - £5,000,000
- Directors and officers - £250,000
- Abuse cover - Please refer to the section below
- Cyber liability extension - £25,000
Please note that policy excesses apply and will be payable by the club in the event of a claim (with the exception of Employers liability and Cyber liability). These excesses are detailed under the relevant section headings below.
Explore the covers provided:
Cover for your club’s legal liability up to £10,000,000, subject to a £250 excess in respect of Third-Party Property damage.
Public Liability insurance provides protection against legal liability for bodily injury to third parties and damage to third party property.
Cover will extend to include Third Party Hirers Liability in respect of use of the club premises for an indemnity limit of £1,000,000 in respect of any one claim and in respect of all claims arising out of any one occurrence. We understand that clubs may also hire out their facilities i.e. a family birthday party or charity event. Cover will extend to include £1,000,000 of Third-Party Hirers Liability.
However, the Insurance policy will not indemnify a third party that hires the clubs’ facilities if the third party is using the club facilities/space for commercial gain/reward (i.e. pays the club to use the building, but then duly charges guests/visitors a fee to attend). Clubs can receive remuneration for hiring out their premises to third parties, but clubs will be expected to verify that the commercial hirers hold sufficient public liability for this hire.
Products Liability insurance provides protection against legal liability to pay compensation including legal costs for death or bodily injury, or damage to third party property arising from products supplied.
Cover for clubs in respect of claims for injuries made by employees or volunteers, up to a £10,000,000 limit of Indemnity. Protection against legal liability in respect of claims made for injuries suffered by a volunteer or employee during the course of authorised activities of the affiliated club.
Cover for club committee members up to £250,000 per claim, subject to an excess of £500. Protection for committee members and club officers against claims arising from their decisions or actions whilst managing the club. Cover also includes Corporate Legal Liability i.e. claims brought against the club as an entity.
Cover for the club if they become legally liable to pay damages, including costs and expenses for claims arising from Abuse.
Indemnity Limit £2,000,000 any one claim and in the aggregate dating back to 01/04/2021, cover is stepped back as follows:
Between 01/04/2011 – 01/04/2021 £500,000 any one claim and in the aggregate
Between 01/04/1985 – 01/04/2011 £100,000 any one claim and in the aggregate
Excess: £1,000 each and every claim
Indemnity Limit £25,000 any one claim and in the aggregate.
Cover to protect the club if they become legally liable to pay damages (including claimants’ costs, fees and expenses) for any claim made against them in relation to a Cyber loss.
Cyber Loss shall mean any loss, damage, liability, claim, cost or expense directly or indirectly caused by any cyber act or cyber incident; loss/theft of data is also covered.
The clubs’ own costs and expenses will also be covered subject to the £25,000 Limit of Indemnity.
Frequently asked questions
Yes, the definition of a Private Match is as follows: a competition arranged solely between the clubs or competitors concerned. There shall be no advertising for entries and no more than 4 clubs shall compete unless specific permission has been granted by the National Competition Committee. Organising club(s) should note that the competition requirements of section 5-2 of the Rules of Racing still apply and appropriate insurance cover is required. Provided the club follows the criteria above the insurance included with Club Affiliation Plus would cover this activity being put on by a club.
Clubs who select Affiliation Plus must take this at the point of renewal and the club insurance cover you receive via Affiliation Plus will be valid from 1 April to 31 March each calendar period. If your club already has an insurance policy in place, you may choose to cancel this policy, but before doing so, it is important to check that cover is not being reduced. For example, you may have a policy that includes buildings and equipment. If you are in any doubt, or wish to seek some guidance, please contact Marsh Sport.
British Rowing instructed Marsh Sport to provide cover for all clubs who purchase Club Affiliation Plus to be effective from 1 April for a period of 12 months each calendar year . Therefore we are unable to add existing clubs onto the policy beyond the 1 April for each subsequent 12 month policy period. Club details are declared to insurers on an annual basis, so British Rowing will be required to know which clubs will be opting for Affiliation Plus in advance of the policy period start date for each year.
The policy provided via Club Affiliation Plus is exclusively a liability policy and does not include buildings or equipment cover. Additional information about further cover Marsh Sport provides can be discussed with them by calling 0345 872 5060.