Are there any age limits on the policy?

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.

What is the differences between Geographical limits and the term Jurisdiction within the Insurance policy?

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.

What is the procedure if I need to report an incident?

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

What limits of indemnity are in place?

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

Are there any policy excesses in place?

Yes, the following excesses are applicable: £250 Bodily injury claims; £250 Directors and Officers claims; £100 Club equipment.

Are there any excluded activities?

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

Does the liability insurance cover me if a claim is made against me for injury to another person or damage to property?

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.

Do I have liability cover if I am taking part in a non Snowsport England activity?

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

I am thinking of joining Snowsport England, but in the meantime am I insured if I attend a come and try it /taster session?

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.

I am travelling overseas, am I covered by the insurance?

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 quotation if required. Please click here for more information.

Is a club member insured to teach within the club?

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.

Is damage to my own equipment covered?

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

Is there a time limit to make a liability claim?

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.

Is there cover for Off piste 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.

Do I need to purchase travel insurance to compete outside of the UK?

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.

Do I have coverage if I am attending a Taster Session?

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.

What activities are recognised by Snowsport England?

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.

Are spectators at tournaments/ training sessions covered for loss or injury?

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.

Does my Club require Employers Liability Insurance?

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.

Is damage to my own property/ club equipment covered?

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

Is there a policy excess to pay in the event of a claim?

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.

Are we required to completed risk assessments for club activity?

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.

Our club is holding a social event. Are we insured via Snowsport England?

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.

What information do I need to record when an accident occurs?

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.

Why do we need Employers liability cover if all our coaches are volunteers or self-employed?

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.

As club officers will we be liable for any financial loss that the club may incur?

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.

I am unsure to what extent I can operate / teach under my Snowsport England licence?

For clarification, a full list of the Snowsport England licensing awards and the remit of each award can be found here: https://www.snowsportengland.org.uk/licencing/

What cover do I receive as an affiliated instructor, coach or leader of Snowsport England?

For Instructors, Coaches & Leaders who meet the Snowsport England licensing 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.

I am an instructor/ coach working with individuals, but trade as a limited company. Am I covered via my affiliation to SSE?

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

Am I covered to offer tubing as an activity?

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

Are there any policy excesses applicable to the Public Liability?

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

Does the club need to purchase travel insurance to competitions outside of the UK?

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.

Snowsport England Insurance Zone

About the insurance provided

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

The annual policies run from 1st November 2025 – 31st October 2026 (both days inclusive).

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

Activities recognised and therefore covered via your insurance are:

Alpine - Super G, Giant Slalom & Slalom.
Nordic - Cross-country (Classical & Skating), Roller Skiing, Telemarking/ Nordic downhill, Biathlon, Ski Orienteering
Snowboarding - Freestyle, Big Air, Half Pipe, Slopestyle, Boardercross, Slalom, Airbag
Freestyle - Moguls, Aerials, Half-Pipe, Slopestyle, Skicross, Airbag
Including recreational skiing and snowboarding

There are restrictions in respect of the Personal Accident and Travel policies. Please refer to the Members page for additional information.

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