Yes, a £250 excess applies to the Public Liability cover if a member has damaged third party property.
Insurance for clubs
As an affiliated club of British Triathlon (including Triathlon England, Wesl Triathlon, Triathlon Scotland) the insurance in place will protect your club and its committee members if you are deemed negligent in injuring another person or causing damage to another person’s property.
When does cover apply?
Cover applies during official training, competitions, related events, and official social events, all of which are authorised and recognised by British Triathlon.
If individual club members need to be insured they must hold a membership directly with British Triathlon. The club cover described does not cascade down to insure your members.
- £15,000,000 Public Liability - Accidental bodily injury to third parties and / or damage to third party property arising out of the insured activities.
- £10,000,000 Employers Liability - Protection for damages and legal costs arising out of death or bodily injury caused to employees or volunteers in the course of their engagement with the club.
- £5,000,000 Professional Indemnity - Cover for negligent acts, errors or omissions in respect of a professional opinion, including injury following tuition, advice, coaching or instruction, against claims made during the period of insurance.
- £5,000,000 Directors and Officers liability - Protects an individual’s personal liability arising from actions in their capacity as a director, officer or trustee, against claims made during the period of insurance for a wrongful act.
Frequently Asked Questions
Public Liability - £15,000,000.
Professional Indemnity - £5,000,000.
Employers Liability - £10,000,000.
Directors & Officers Liability - £5,000,000.
Yes, the club is insured to host 3 separate taster sessions, the participant is also insured under the Liability insurance for these sessions, after the 3 session if the participants wishes to come along again they need to become a member of the club. Please note the participant does not receive any Personal Accident benefits whilst these taster sessions are taking place.
The Liability Policy protects the club and its committee for allegations of negligence should they injure other members or members of the public. If spectators are injured as a result of your clubs negligence they may have the right to bring a liability claim against your club. However, if a spectator injures themselves at an event and there is no negligence attached to the club or its committee there is no automatic payment to the spectator. Please note spectators do not receive any insurance cover from British Triathlon.
No, in order for an individual member to be insured, they must be individual members of the BTF (Triathlon England, Welsh Triathlon, Triathlon Scotland).
The public liability cover is provided to you travelling anywhere in the world. This would cover claims for alleged third party injury, or third party property damage. All members of the club must hold direct affiliation to BTF/ a Home Nation, in order to be personally covered. BT Insurance does not provde you with Travel Insurance. Travel insurance covers items such as overseas emergency medical treatment, repatriation costs, cancelled flights etc. and this should be purchased separately. If you would like to obtain a quote for travel Insurance please click here.
Please contact Marsh Sport on 0113 2207536 or email michaela.britten@marsh.com (9am to 5pm weekdays).
Yes. It is essential that you undertake risk assessments for the activities of your group to support you in your risk management. You and your club owe a duty of care to those around you. If an allegation for negligence is made against your club risk assessments will be needed to evidence what you have reasonably been able to do to prevent an incident occurring.
If the club is unincorporated, the officer (and its members) could be liable for any financial losses incurred by the club. The Directors and Officers/ Trustees indemnity insurance is in place to support you and your club in this instance. If the club is incorporated the directors may still find themselves personally liable and therefore Directors & Officers/ Trustees indemnity Insurance is essential. This cover is provided by BT with a Limit of Indemnity of £5,000,000.
If your club employs the services of others it is a statutory requirement for you to purchase Employers Liability Insurance. This is automatically provided as part of your affiliation to British Triathlon and the cover provides a £10m Limit of Indemnity. Please note volunteers should be treated in the same way as paid employees as the law does not restrict the definition of employees to those who receive payment for their services.
Under British Law, you can still be called an "employee" even if you are not paid. The type of contract in place with the coach may also mean you have an employee/ employer relationship. In general, you may need Employers liability insurance for someone who works for you if any of the following apply:
You have the right to control where and when they work and how they do it.
You supply most materials and equipment.
You have a right to any profit your workers make although you may choose to share this with them through commission, performance pay or shares in the company. Similarly, you will be responsible for any losses.
You deduct national insurance and income tax from the money you pay them.
You require that person only to deliver the service and they cannot employ a substitute if they are unable to do the work.
They are treated in the same way as other employees, for example if they do the same work under the same conditions as someone you employ.
It is essential that when you use Self Employed Coaches you check the terms of contract for their services to establish if you will be classed as their employer and that they have their own public and professional indemnity insurance in place. Employers liability insurance is provided to your club via BT with a £10,000,000 limit of indemnity.
Social activity is covered involving affiliated club members, the exception here is if the activity/event requires any specialist training, qualification, experience or equipment - this would not be insured. Recognised and insured social activities would include the likes of award dinners and BBQs. If you are unsure whether your social activity is recognised, please contact Marsh Sport on 0345 872 5060.
An injured party has 3 years to make a claim for their injuries, for a minor this is 3 years after their 18th Birthday. This however can be reviewed by the courts dependent on the circumstances. Therefore it is imperative that you notify any circumstance which may give rise to a claim as soon as you are aware of it.