Snowsport Cymru Wales insurance zone

The Liability Policy protects the club 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 clubs 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 club or its members there is no automatic payment to the spectator.

If your club employs the services of others it is a statutory requirement for your club to purchase Employers Liability Insurance.

This is not automatically provided as part of your affiliation with Snowsport Cymru Wales. Please contact Marsh Sport for a quotation.

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.

No, the cover is only in place for those activities recognised by Snowsport Cymru Wales.

The public liability cover is provided to you travelling anywhere in the United Kingdom, the Channel Islands, the Isle of Man, all member countries of the European Union, Andorra, Croatia, Iceland, Liechtenstein, Norway and Switzerland. This would cover claims for alleged third party injury, or third party property damage.

The public liability policy does not however, provide you with any travel insurance. Travel insurance would cover overseas emergency medical treatment, following an accident, repatriation costs, cancelled flights etc. Marsh Sport can provide a travel quotation if required. Please click here for more information.

No. Please contact Marsh Sport for a quotation.

Yes, there is a £350 Excess against any bodily injury/property claim.

There is a statute of limitations for an injured party has to bring a claim for injury against you. Usually 3 years or if they are a child up to 3 years from their 18th birthday. This however can be reviewed by the courts dependant on the circumstances. It is imperative however that you notify any circumstance which may give rise to a claim as soon as you are aware of it.

Yes please note the insurance via Snowsport Cymru Wales does not cover Ski Mountaineering and Tubing.

Risk management is key when defending a claim and will need to be evidenced in the event of an incident. As such it is imperative that you undertake a risk assessments for all club activities.

Yes, off-piste coverage is included as per the below condition:

Basis of Off-Piste Cover 

Off-piste shall mean areas of snow that are not part of any marked or maintained ski runs both within and outside a resort boundary. 

UK Coverage 

The policy will include liability arising from any Snowsports activities undertaken in off-piste areas within the UK, where the activity is led or conducted by a qualified member that holds an appropriate off-piste leadership or snow safety qualification awarded by the National Governing Body. 

EU Coverage 

The policy will include liability arising from any Snowsports activities undertaken off-piste within the resort boundaries only, within the EU, where the activity is led or conducted by a qualified member that holds an appropriate off-piste leadership or snow safety qualification awarded by the National Governing Body. This Policy also excludes any liability arising directly or indirectly from any Snowsport activities taking place on any glaciated terrain.

Providing the activity does not require any specialist training, qualification, experience or equipment that is not recognised by Snowsport Cymru Wales then social activity is covered involving affiliated club members.

Examples of recognised social activities would include Award Dinners and BBQ's.

If you are unsure whether your social activity is recognised, please contact Marsh Sport on 0345 872 5060 or email: marshsport@marsh.com

Social activities and associated entertainment involving non-members such as Birthday Parties are not covered.

Activities recognised and therefore covered via your insurance are:

• Alpine - Downhill, Super G, Giant Slalom, Slalom & Speed Skiing
• Nordic - Cross-country (Classical & Skating), Roller Skiing, Jumping, Telemarking/ Nordic downhill, Biathlon, Ski Orienteering
• Snowboarding - Freestyle, Big Air, Half Pipe, Slopestyle, Boardercross, Slalom (touring/mountain)
• Freestyle - Moguls, Aerials, Half-Pipe, Slopestyle, Skicross, Trampolining.

We would recommend that a designated person within your club is made responsible to record any reportable accident/incident. Records must be kept for at least 6 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.

The 'geographical/territorial' limits on the policy is where you can participate in Snowsport activities which is covered anywhere in Europe. In layman terms, this means that you can train, participate and compete in recognised and approved Snowsport Cymru Wales activity in Europe. The 'jurisdiction' is where an allegation/claim can be made against you or your club. In layman terms, this means the country in which a solicitor can be appointed, to try and sue you, if a third party feels you/ your club are deemed negligent. The territorial/ jurisdictional limit on the policy is United Kingdom.

Please contact Marsh Sport to report the incident as soon as possible Tel: 0345 872 5060 Email: marshsport@marsh.com.

1. Public & Products Liability - £10,000,000 any one occurrence but in the aggregate in respect of Products Liability
2. Professional Indemnity - £5,000,000 any one claim and in the aggregate

Under British Law, you can still be called an "employee" even if you are not paid. Our advice would always be to take out Employers Liability insurance. The type of contract in place with the coach may also mean you have 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, that they have their own Public and professional Indemnity insurance in place.

Employers Liability provides protection to your club, as the employer, in the event any of the volunteers or employees becoming injured themselves and suing your club for negligence.

Yes, the Public Liability cover extends to cover up to 3 taster sessions before deciding whether you'd like to become a full member of the club.