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Snowsport England insurance zone

Introduction

Marsh Sport are the appointed insurance broker to Snowsport England. This Insurance Zone sets out details of the insurance provided as part of your membership, how to report an incident and some frequently asked questions. Whether you are a Club, Instructor, Coach, Leader, Competitor or Individual Member, you are covered by the insurances provided as part of your affiliation to Snowsport England.

 

Who is covered?

This cover applies only to activities authorised or recognised by Snowsport England. A full list of Snowsport disciplines recognised by Snowsport England can be found within the FAQ’s.

The policy covers:

  • Snowsport England.
  • English Schools Ski Association.
  • National Schools Snowsports Association.
  • Affiliated Clubs.
  • Affiliated Individual Members.
  • Overseas members (non-residents of the United Kingdom) for their participation in organise events recognised by Snowsport England Ltd.
  • Affiliated Instructors.
  • Affiliated Coaches.
  • Affiliated Leaders.

What insurance do you get as part of your membership?

As part of your membership with Snowsport England you automatically receive the benefit of the 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 November 2022 – 31st October 2023 (both days inclusive)

The policies' limits are as follows:

  1. Public and 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.
  3. Directors and Officers* – £5,000,000 any one occurrence and in the aggregate.
  4. Employers Liability* – £10,000,000 each and every claim.
  5. Abuse cover* - £2,000,000 any one claim and in the aggregate.

*The Directors and Officers, Employers Liability and Abuse covers are only applicable to Snowsport England, Affiliated Clubs, English Schools Ski Association and National Schools Snowsports Association.

Please note: Affiliate clubs equipment cover is included up to a sum insured of £5000 and is insured for loss, damage or theft.

Please Note: Cover is operative for all affiliated Snowsport England constituents on the basis you hold a live and valid membership with Snowsport England and that all master insurance programmes have been renewed by Snowsport England.

The covers explained

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 Snowsport England affiliated club, instructor, coach or leader 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 Snowsport England, English Schools Ski Association, National Schools Snowsports Association and all affiliated Clubs.

This insurance provides protection against legal liability in respect of claims made for injuries to any volunteer or employee of the club or organisation noted above.

This cover is provided to Snowsport England, English Schools Ski Association, National Schools Snowsports Association and all affiliated Clubs.

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

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.

Snowsport Travel

Winter sports cover that can include competing as well as holiday travel.

Frequently asked questions

Scroll across the tabs to see FAQs for Individuals, clubs, coaches and instructors
slected option

There aren't any age restrictions on the liability insurance, however we stipulate that participation in all activities must be in accordance with the rules & guidelines of Snowsport England. As such if there are any age restrictions imposed by Snowsport England for certain disciplines, then these must be adhered to.

The 'geographical/territorial' limits on the policy is where you can participate in Snowsport activities which is covered anywhere in the world. In layman terms, this means that you can train, participate and compete in recognised and approved Snowsport England activity, worldwide. 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 and 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.
  3. Directors and Officers - £5,000,000 any one occurrence and in the aggregate.
  4. Employers Liability - £10,000,000 each and every claim.
  5. Abuse cover - £2,000,000 any one claim and in the aggregate.

Yes, the following excesses are applicable:

  • £250 Bodily injury claims.
  • £250 Directors and Officers claims.
  • £100 Club equipment.

Yes, please note the insurance via Snowsport England does not cover Tubing and Ski Mountaineering.

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

No, the cover is only in place for those activities recognised by SSE.

Activities involving non-members are not covered unless part of a taster session of a recognised Activity or Discipline. Non-members can participate in up to three 'Taster' sessions.

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.

The public liability cover is provided on a worldwide basis, 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 quotaton if required. Please click here for more information.

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

No, the insurance provided by SSE does not cover individuals own kit/equipment.

There is a statute of limitation for an injured party to bring a claim for injury against. 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.

Off piste coverage is only included for those suitably qualified within the ski boundary and within the EU. This is subject to a £5,000 excess.

Although the Liability cover you receive is worldwide, you do not automatically receive Travel Insurance. Marsh Sport can provide a travel quotation if required. Please click here for more information.

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.

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

There aren't any age restrictions on the liability insurance, however we stipulate that participation in all activities must be in accordance with the rules & guidelines of Snowsport England. As such if there are any age restrictions imposed by Snowsport England for certain disciplines, then these must be adhered to.

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

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 automatically provided as part of your affiliation with Snowsport England, 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.

No, the cover is only in place for those activities recognised by SSE.

The public liability cover is provided to you travelling anywhere in the world. 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.

Yes, the policy provides cover up to a value of £5,000 per club for equipment

Yes, the following excesses are applicable:

  • £250 Bodily injury claims.
  • £250 Directors & Officers claims.
  • £100 Club equipment £5,000.
  • Abuse Liability Claims £5,000.
  • Claims arising from any Off Piste activity.

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 England does not cover Tubing or Ski Mountaineering.

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.

Off piste coverage is only included for those suitably qualified within the ski boundary and within the EU. This is subject to a £5,000 excess.

Providing the activity does not require any specialist training, qualification, experience or equipment that is not recognised by SSE 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

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 the world. In layman terms, this means that you can train, participate and compete in recognised and approved Snowsport England activity, worldwide. 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 only.

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
  3. Directors & Officers - £5,000,000 any one occurrence and in the aggregate
  4. Employers Liability - £10,000,000 each and every claim
  5. Abuse cover - £2,000,000 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.

If the club 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 club is incorporated the directors may still find themselves personally liable and therefore Directors & Officers 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 - this is also provided as part of the SSE Insurances.

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.

For clarification, a full list of the Snowsport England licencing awards and the remit of each award can be found here.

The 'geographical/territorial' limits on the policy is where you can participate in Snowsport activities which is covered anywhere in the world. In layman terms, this means that you can train, participate and compete in recognised and approved Snowsport England activity, worldwide. 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.

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.

Off piste coverage is only included for those suitably qualified within the ski boundary and within the EU. This is subject to a £5,000 excess.

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

For Instructors, Coaches & Leaders who meet the Snowsport England licencing criteria, you are covered for the following:

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

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

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.

There aren't any age restrictions on the liability insurance, however we stipulate that participation in all activities must be in accordance with the rules & guidelines of Snowsport England. As such if there are any age restrictions imposed by Snowsport England for certain disciplines, then these must be adhered to.

Yes, please note the insurance via Snowsport England does not cover Tubing and Ski Mountaineering.

There is a statute of limitation for an injured party to bring a claim for injury. 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. Providing you do not have any employees and your turnover is less than £25,000 then you are covered via the master liability policy arranged by Snowsport England. If you are a Snow School that operates as a limited company, with staff, you must obtain separate insurance. For a quote please contact Marsh Sport on 0345 872 5060 or email: marshsport@marsh.com

The public liability cover is provided on a worldwide basis, 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 travel insurance solutions. Please click here for more information and to obtain a quotation.

No, the cover is only in place for those activities recognised by SSE.

Yes, a club member can teach within their club, to their level of teaching/coaching qualification, and will be insured for Public Liability and Professional Indemnity insurance. However, Coach-led sessions must be undertaken by an appropriately qualified coach.

No, with effect from 1st November 2020 there is no insurance cover in place for tubing.

Yes, there is a £250 Excess against any bodily claim increasing to £5,000 for any claims arising from Off Piste activities

Although the Liability cover you receive is worldwide, you do not automatically receive Travel Insurance. Please contact Marsh Sport for a travel Insurance quote: Tel: 0345 872 5060 Email: marshsport@marsh.com.

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

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.