Only full ESMBA members are provided with the benefits of the PA policy.
Once prospective members finish their 4 taster sessions they must become an ESMBA member and at that point will benefit from the Personal Accident covers.
What are the enhanced insurance benefits?
All clubs and counties will enjoy the following benefits:
- Public liability - £5,000,000
- Employers’ liability - £10,000,000
- Directors and officers insurance - £250,000
- Money cover - £500
- Equipment cover - £25,000
- Hiscox Risk Academy - Access to a variety of risk management guidance modules.
- Crisis containment - £25,000
In addition, all members will receive:
- Death and capital benefits - Coverage of £25,000 for loss of sight, hearing, limbs, speech, and permanent total disablement.
Frequently Asked Questions - Personal Accident Insurance
Personal Accident cover provides a set financial payment in the event of an accidental injury, such as death, permanent disability, broken bones, dental expenses, etc.
Yes, the main benefits provided are as follows:
Accidental bodily injury resulting in: |
|
Death |
£25,000 |
Loss of sight in one or both eyes |
£25,000 |
Loss of hearing in both ears |
£25,000 |
Loss of hearing in one ear |
£7,250 |
Loss of one or more limbs |
£25,000 |
Loss of speech |
£25,000 |
Permanent total disablement* (PTD) |
£25,000 |
Broken bones |
£250 |
Temporary total disablement (TTD) |
£25 per week |
Temporary partial disablement |
£12.50 per week |
Please refer to the Personal Accident Schedule and wording in the downloads section for the full list of benefits
No, there are no financial excesses to pay.
No, in order for an individual member to be covered, they must be individual members of ESMBA.
You are covered by the Aviva Personal Accident policy. To check what benefits are available, please refer to the Aviva Policy Schedule in the downloads section.
No, there is no maximum age limit.
Frequently Asked Questions - Liability Insurance
- Public Liability/Professional Liability - £5,000,000.
- Employers Liability - £10,000,000.
- Directors & Officers Liability - £250,000
- Club owned equipment cover - £25,000
- Money Cover £500
- Crisis Containment £25.000
Yes, the club is insured to host 4 separate taster sessions, the participant is also insured under the Liability insurance for these sessions, after the 4th session if the participants wish to come to further sessions 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.
Yes, a £250 excess applies to the Public Liability cover if a member has damaged third party property.
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 ESMBA.
No, in order for an individual member to be insured, they must be individual members of ESMBA
You are covered by the Aviva Personal Accident policy. To check what benefits are available, please refer to the Aviva Policy Schedule in the downloads section.
If there are verbal or written allegations made against your club, you should record the information and notify Marsh Sport of the incident at your earliest opportunity. Please contact Marsh Sport on 0113 220 7536 or email michaela.britten@marsh.com (9am to 5pm weekdays).
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.
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 ESMBA with a limit of indemnity of £250,000.
If you require a higher limit of indemnity please contact Marsh Sport for a separate quotation.
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 the ESMBA insurance scheme and your affiliation to the ESMBA 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 ESMBA with a £10,000,000 limit of indemnity.
Club’s social activities and fundraisers are covered.
Recognised and insured social activities would include the likes of award dinners and summer barbecues. Fundraising activities could include car washes, bag packs at local supermarkets, sponsored walks etc.
The exception would be where the activity/event requires any specialist training, qualification, experience, or equipment e.g. inflatables, firework displays, or anything that is considered to be hazardous/high risk - these would not be insured. 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.
No, there is no set minimum or maximum age limit.
The insurance will cover your club whilst acting for the Club but not as a League. The league can take out the ESMBA insurance cover providing all players are ESMBA affiliated
Club members are insured to play in matches, competitions and tournaments which are recognised by ESMBA and where all participants are ESMBA affiliated.
All registered ESMBA coaches and umpires are covered when coaching and umpiring in ESMBA approved activities.
No, the Club policy covers you for Club organised activities only.
Insurance for sports activities whilst on holiday can be obtained via:
Yes, your club automatically receives up to £25,000 of property/equipment cover when it joins the ESMBA scheme.
Yes. The policy provides cover to all playing and social members recorded in the Club records. They do not have Personal accident cover unless they are ESMBA affiliated
Yes. Life members would be covered provided their details are recorded in the full membership records of the Club. They do not have Personal accident cover unless they are ESMBA affiliated