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Everything Line Dance Association insurance zone

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Introduction

Marsh Sport are the appointed insurance broker to Everything Line Dance Association (ELDA). This web page sets out details of the insurance provided as part of your Instructor membership, how to report an incident and some frequently asked questions.

Who is covered?

  • This cover applies only to activities authorised or recognised by ELDA.

  • The policy covers Everything Line Dance Association Ltd, directors, officers, affiliated instructors, employees and volunteers. (Cover extends to include social events related to the Association’s activities with a maximum of 100 in attendance).

What insurance do you get as part of your membership?

As part of your Instructor membership to ELDA you automatically receive the benefit of the association's Combined Liability insurance. To understand what this covers, and to see the main terms and conditions that apply, please make sure you refer to the Evidence of Cover and Insurer Policy Wording which can be found in the downloads section below.

The annual policies run from 01 April 2023 – 31st March 2024

The policy limits are as follows:

  1. Public and Products Liability – £5,000,000 any one claim, in the aggregate in respect of Products Liability
  2. Professional Indemnity - £5,000,000 any one claim and in the aggregate.

The insurance provided explained

£5,000,000

  • This cover is provided to all Instructor members of ELDA.
  • 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.

£5,000,000

  • This cover is also provided to all Instructor members of ELDA.
  • Cover to protect an affiliated member 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 your teaching activities.

Reporting an incident

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, using the details below.

0345 872 5060 Email us

Useful downloads

Frequently asked questions

No, if you would like a quotation please contact Marsh Sport: Tel: 0345 872 5060 Email: marshsport@marsh.com

If your query relates to the insurance policy please contact our insurance broker, Marsh Sport on either 0345 872 5060 or email marshsport@marsh.com

In the event of an accident please contact Marsh Sport on 0345 872 5060 or email marshsport@marsh.com. In NO circumstances should you admit liability or agree to pay for any damage caused as this may prejudice the Insurers position and could result in the withdrawal of any indemnity. You should report incidents that may potentially form part of policy cover regardless of whether you think you are liable.

Circumstances include: A fatal accident/injury requiring referral to hospital, either immediately or at a later time/ allegations of Libel and Slander/Allegations of professional negligence or faulty advice/any investigation under child protection/Club disputes involving disciplinary action.

No admission, offer, promise, payment or indemnity shall be made or given by or on behalf of the Insured without the written consent of Insurers.

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 Instructors who employ other instructors or volunteers to work on their behalf. Public Liability protects the instructor if a third party sues them for injury or damage caused.

Currently the cover is only provided in the UK, if you need to insurance to teach abroad please contact ELDA.

No, If you would like to insure your equipment or require travel insurance please contact Marsh Sport on 0345 872 5060 or by email marshsport@marsh.com

Yes, an overview of the principal exclusions is as follows:

  • Loss or damage to property in your custody or control (other than damage to property comprising premises leased or rented by you).
  • Fines, liquidated damages or penalties.
  • Products manufactured.
  • Contractual liability.
  • Gradual pollution or contamination.
  • Criminal Acts/Acts with an intention to cause harm.
  • Incidents known to you but not reported to the Insurers.
  • Incidents prior to you joining ELDA.
  • Incidents reported after expiry of your ELDA membership.

Please refer to the policy wording for full details regarding policy exclusions.

No, if you would like an Employers Liability quotation please contact Marsh Sport: Tel: 0345 872 5060 Email: marshsport@marsh.com