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England Korfball insurance zone

Introduction

Marsh Sport are the appointed insurance broker to England Korfball. This web page sets out details of the insurance provided as part of your membership, how to report an incident and some frequently asked questions.

Who is covered?

This cover applies only to activities authorised or recognised by England Korfball.

The policy covers:

  • England Korfball.
  • Member clubs, officers, officials, committee members, employees, and volunteers of the above.
  • Area associations / regions.
  • Registered members.
  • Teams.
  • Coaches.*
  • Referees.*
  • Association events and club events.

*Coaches and referees must be registered with England Korball in order for the insurance to be operative.

What insurance do you get as part of your membership?

Membership of England Korfball is granted under the provisions laid down by the Articles of the Association to clubs and members who have paid their annual subscription, and are registered.

As part of your membership to England Korfball, 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 policy summary and policy wording which can be found in the downloads section below.

The annual policies run from 01st December 2023 – 31st November 2024 (both days inclusive)

The policies' limits are as follows:

  1. Public Liability – £10,000,000 each and every claim.
  2. Professional Indemnity - £10,000,000 each and every claim, but in the aggregate per member.
  3. Directors and Officers – £2,000,000 each and every claim, but in the aggregate per club/ area.
  4. Employers Liability – £10,000,000 each and every claim.
  5. Abuse cover - £1,000,000 each and every claim.

The covers explained

This cover is provided to all affiliated constituents of England Korfball.

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.

This cover is provided to all affiliated constituents of England Korfball.

Cover to protect a England Korfball registered club or coach 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.

This cover is provided to all affiliated clubs and areas of England Korfball.

Protection against legal liability in respect of claims made for injuries to any volunteer or employee of the member club or area/regional committee.

 

This cover is provided to all affiliated Clubs and Areas of England Korfball.

Protection for committee members and club officers against claims arising from their decision or actions whilst managing the organisation.

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.

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, 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 the association.
  • Incidents reported after expiry of your Korfball membership.

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

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.

Yes, insurers advice which should be followed is: Remote coaching/instruction (live or pre-recorded). In respect of any coaching or instruction that is undertaken remotely, it is strongly recommended that the insured should:

  1. At the commencement of the session, advise participants: a) that by participating they are doing so at their own risk; b) a suitable, non-slip floor space is required and any potential obstructions in the vicinity are removed before they participate; c) to avoid activities if they have, or suspect they may have any current health concerns, injuries, aches and pains; d) avoid the use of blades, weapons or sharp instruments of any description; and e) avoid physical contact with other participants and where appropriate, adhere to social distancing guidelines;

  2. Ensure that sessions are conducted for the benefit of existing members/participants/contacts only who have demonstrated sufficient suitability to participate; a) continue to only instruct activities in which you are qualified to do so; and b) record the session. Retaining the recording for a period of up to thirty-six (36) months may assist in any claim made against you.

Yes, three taster sessions are permitted. On the third session the participant needs to become a member of the club to ensure they are covered under the insurance policies.

If your query relates to the insurance policy, please contact Marsh Sport on either 0345 872 5060, or by email.

Yes - the Public Liability insurance covers low risk fund raising activities.

If you would like to insure your club premises, sporting equipment or require sports travel insurance please contact Marsh Sport on 0345 872 5060 (Monday to Friday 9am to 5pm)

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 pre-authorised by England Korfball. The membership insurance does not include travel insurance.

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.