Protection for committee members and club officers against claims arising from their decisions or actions whilst managing the club or managing British Wheelchair Basketball.
Who is covered?
This cover applies only to activities authorised or recognised by the BWB.
The policy covers:
- Community Activators and Officials
- National/Local Leagues/Sanctioned Leagues and Events
- Clubs and Committees
- Coaches
- Referees and Officials
- Members
What insurance do you get as part of your membership?
As part of your membership with BWB, you automatically receive the benefit of the combined liability insurance and personal accident cover.
To understand what these covers are and to see the main terms and conditions that apply, please make sure you refer to the policy summary and policy wording which can be found in the downloads section below.
The annual policies run from 01st September 2025 to 31st August 2026.
Policy limits are as follows:
- Public liability - cover for your legal liability of up to £10,000,000 (£350 Excess)
- Professional indemnity - cover for the club's or instructor’s legal liability of up to £2,000,000 (£350 excess)
- Directors and officers – cover for club committee members of up to £1,000,000 (£350 Excess)
- Employers liability – cover for clubs in respect of claims for injuries made by employees or volunteers, up to £10,000,000
- Personal accident – see below
The covers explained
Public liability insurance provides protection against legal liability for bodily injury to third parties and damage to third party property.
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 to protect BWB member coaches 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.
Protection against legal liability in respect of claims made for injuries to any volunteer or employee of the member club.
This cover provides a set financial payment in the event of an accidental injury, such as death, permanent disability, dental expenses, etc.
Insured Persons:
Any member, registered referee, official, coaches and activators of the Insured resident in the United Kingdom
Operative Time:
Whilst the Insured Person is playing or officiating for the insured club at home or away fixtures, participating in any sporting activity at the insured club premises, taking part in training organised by the insured club, travelling directly to or directly back from the insured clubs home or away fixtures as part of an organised party under the direction of the insured club, taking part in any social activity organised by the insured club, engaged upon duties on or around the premises of the insured club, spectating at the insured club home and away fixtures or undertaking and participating in a BWB sanctioned activity.
Death |
£10,000 |
1. Loss of two or more Limbs or Loss of Sight in both eyes or Loss of Sight in one eye combined with Loss of Limb |
£50,000 |
2. Permanent Partial Disablement (PPD) |
Up to £50,000 |
3. Permanent Total Disablement* (PTD) |
Up to £50,000 |
4. Temporary Total Disablement |
Up to £100 per week |
5. Temporary Partial Disablement
|
Not Insured |
In respect of 5 & 6: Benefit Period Deferment Period – the number of days before any benefit is payable |
52 Weeks 14 Days
|
Fracture |
1) £500 for hip or pelvis (excluding coccyx or thigh) 2) £240 for femur or heel 3) £250 for skull (excluding jaw and nose), lower leg, collar bone, ankle, elbow, upper or lower arm (including the wrist but not a Colles’ fracture), kneecap and shoulder blade 4) £500 for spine (vertebrae but excluding coccyx) |
Person Funeral Expenses |
Up to a maximum £10,000 any one Insured Person |
Hospital Admission |
£75 per full 24 hours up to a maximum of 2 weeks any one Insured Person |
Dental, Optical or Auditory Expenses |
Up to 25% of any amount paid under Benefits 2 to 6 subject to a maximum £500 |
Bereavement Counselling |
Up to £250 per week up to a maximum £5,000 any one Insured Person subject to £20,000 for any one Accident |
Accident Medical Expenses |
Up to a maximum £10,000 |
Rehabilitation Expenses |
Up to £10,000 any one Insured Person |
Trauma Counselling |
Up to £5,000 any one Insured Person |
*The basis of cover for Permanent Total Disablement will be from any gainful employment for which the Insured Person is fitted by way of training education or experience.
Please refer to the Personal Accident Schedule and wording in the downloads section for the full list of benefits.
Frequently asked questions
Employers' liability protects the employer in the event of an injury to an employee, for which the employer is liable.
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.
Yes, clubs are provided with employers liability insurance, with a limit of indemnity of £10,000,000.
Liability cover is provided for trips abroad that are recognised by BWB.
However, the membership insurance does not include travel insurance, which can be obtained from Marsh Sport separately. marshsport.co.uk/sports-travel-insurance
If the club is unincorporated, the officer (and its members) could be liable for any and all financial losses incurred by the club. The directors and officers (trustees indemnity) insurance provided by BWB is in place to support you and your club for claims in respect of allegations which may come against the officer whilst undertaking their role.
If the club is incorporated the directors may still find themselves personally liable and therefore directors and officers insurance is essential.
Please note this is a different type of cover to professional liability, which is a form of liability insurance which helps protect professional advice given by your club/coaches. This is also known as errors and omissions cover.
You receive public liability up to £10,000,000 and professional indemnity (coaching and tuition cover) up to £2,000,000.
The BWB insurances do not provide cover for professional coaching activities.
Yes, the public liability insurance provided at £10,000,000 will defend your position, should you be sued for injury to a third party or damage to a third party’s property. Subject to a £350 excess. Please note any claims relating to deliberate or criminal acts are excluded.
Insurance cover is only available to members who have a permanent UK address. Such members are covered for their liabilities in terms of recognised activities in both the UK and overseas, provided that any overseas trip is recognised/authorised by BWB. Any member permanently living abroad is not covered.
If there are verbal or written allegations made against your club, you should record the information and notify Marsh Sport as soon as possible using the details below:
0345 872 5060
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 this is a liability policy where insurers decide if negligence attaches to you, meaning any payment you make to any third parties will not necessarily be reimbursed.
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 six 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.
It is essential that you undertake risk assessments for the activities of your club 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 you or your club, the risk assessments will be needed to evidence what you have reasonably been able to do to prevent an incident occurring.
No, BWB’s insurance does not cover equipment or wheelchairs owned by club and clubs are advised to seek separate cover if they would like these items to be covered.
If your query relates to the insurance policy, please contact our insurance broker, Marsh Sport on either 0345 872 5060, or by email at marshsport@marsh.com
Yes, three taster sessions are permitted. After the third session the participant needs to become a member of BWB to ensure they are covered under the insurance scheme.
Only those individuals registered as a direct member of BWB benefit from the insurances.