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Skateboard GB insurance zone

Introduction

Marsh Sport are the appointed insurance broker to Skateboard GB. 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 Skateboard GB.

The policy covers: 

  • Skateboard GB Ltd, its board of directors, employees and volunteers.
  • Member skateboarders.
  • Member coaches. 
  • Member community groups.
  • Judges.
  • ‘Come and try’ participants.

What insurance do you get as part of your membership?

As part of your membership to Skateboard GB you automatically receive the benefit of the association's Combined Liability insurance. Skateboarders, judges and coaches also receive Personal Accident benefits. 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, policy summary and policy wordings which can be found in the downloads section below. 

The insurance cover included is dependent upon your membership type - please refer to the table below.

Member type: Skateboarders Coaches/Judges Community Groups
1. Public Liability  Included Included Included
2. Professional Indemnity Included Included Included
3. Directors and Officers - - Included
4. Employers Liability - - Included
5. Abuse cover - - Included
6. Personal Accident Included Included -

The annual policies run from 01st December 2023 – 30th November 2024 (both days inclusive). The policies' limits are as follows:

  1. Public Liability – £10,000,000 any one claim or series of claims arising from one Occurrence including costs and expenses and limited in the aggregate in respect of the Products Extension. 
  2. Professional Indemnity - £1,000,000 any one claim or series of claims arising from one Occurrence including costs and expenses and limited in the aggregate. 
  3. Directors and Officers – £1,000,000 any one claim.
  4. Employers Liability – £10,000,000 any one claim or series of claims arising from one Occurrence including costs and expenses.
  5. Abuse cover - £1,000,000 each and every claim.
  6. Personal Accident - See below

The insurance covers explained

slected option

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 a Skateboard GB 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. 

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

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

Cover for the community group if they become legally liable to pay damages, including costs and expenses for claims arising from Abuse. 

Personal Accident cover provides a set financial payment in the event of an accidental injury, such as death, permanent disability, physiotherapy, dental expenses, etc. 

Cover is in place for skateboarders, judges and coaches whilst skateboarding, practising, coaching and judging in the sport of Skateboarding, including travelling to and from any such activity. The main benefits provided are as follows:  

  • Death and Disablement up to £20,000.
  • Physiotherapy up to £500.
  • Dental expenses and optical up to £500.
  • Hospitalisation up to £50 per day up to £500.

Broken bones covered:

  • Arm – humerus, radius, ulna £100.
  • Wrist – Carpals £100.
  • Leg – Femur, Tibia, Fibula £200.
  • Ankle – Tarsals £200.

Please refer to the Personal Accident Schedule and wording in the downloads section for the full list of benefits.

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

Although the Liability cover is worldwide, the Skateboard GB policy does not negate the need for Travel Insurance, sports Travel Insurance can be purchased from Marsh Sport on 0345 872 5060

Yes, the Liability policy will defend claims made against you for negligence. Please note any claims relating to deliberate or criminal acts are excluded.

Not under this Liability policy, you can arrange to insure your property and equipment by calling Marsh Sport on 0345 872 5060

Nil excess against Professional Indemnity claims.

£250 excess against Third Party Property Damage and Bodily Injury claims.

£250 excess against Directors & Officers claims.

The Liability Policy protects the group and its registered members for allegations of negligence should they injure other members or members of the public. If the spectators are injured as a result of your groups or its member's negligence they have the right to bring a liability claim against you. However, if a spectator injures themselves at an event and there is no negligence attaching to the group or its members there is no automatic payment to the spectator.

Public Liability Insurance covers the cost of legal action and compensation for claims made against you or your group or its committee members if a third party is injured or their property suffers damage whilst at your premises. Personal Accident cover provides a set financial payment in the event of an accidental injury, such as death, permanent disability, physiotherapy, dental expenses, etc.

Yes, cover is in place for skateboarders, judges and coaches. The main benefits provided are as follows:

  • Death & Disablement up to £20,000
  • Physiotherapy up to £500
  • Dental expenses & optical up to £500
  • Hospitalisation Up to £50 per day up to £500 max.

Broken bones covered:

  • Arm - humerus, radius, ulna £100
  • Wrist - Carpals £100
  • Leg - Femur, Tibia, Fibula £200
  • Ankle - Tarsals £200

Please refer to the Personal Accident Schedule and wording in the downloads section for the full list of benefits

  • The taking part in, practicing, judging and or coaching skateboarding
  • The preparation, marking and setting up of associated skating or practice areas
  • Coaches are insured for coaching at non-member skate parks and for coaching non members
  • Member community groups are insured to run to open events, come and try it sessions, and host guest memberships.

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 group owe a duty of care to those around you. If an allegation for negligence is made against you or your group the risk assessments will be needed to evidence what you have reasonably been able to do to prevent an incident occurring.

If the group is unincorporated, the officer (and its members) could be liable for any and all financial losses incurred by the club. The Directors and Officers insurance is provided to support you for claims in this area for allegations which may come against the officer whilst undertaking their role. If the group is incorporated the directors may still find themselves personally liable and therefore Directors & Officers/ Trustees indemnity 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 this is also known as errors and omissions cover.

No, the cover is only in place for those activities detailed above.

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

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, a member can instruct, to their level of teaching/coaching qualification, and will be insured for public liability and professional indemnity sections of the liability insurance. However, Coach-led sessions must be undertaken by an appropriately qualified coach.

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.

Whilst skateboarding, practising, coaching and judging in the sport of Skateboarding, including travelling to and from any such activity.