Administration and participation of events (including social events), competitions, tournaments, informal workshops
The Combined Liability is designed specifically to meet the needs of Badminton England, its clubs, counties, leagues, officials, committee members, players and volunteers.
Combined Liability insurance provides for legal liability following negligence, nuisance or trespass. Unlike other liability insurances, it not only covers Public & Products Liability, but also includes cover for the following, which are excluded from standard covers:
In the event of a claim the Limit of Indemnity is the maximum the policy will pay. The Combined Liability policy provides the following Limits of Indemnity:
• £10 million any one period of cover for Products/Pollution/Directors & Officers*
• £10,000,000 any one period of cover for Abuse*
• £250,000 Legal Defence Costs
Please note Director’s & Officers’ and Abuse claims are costs inclusive.
Howden believe that £10 million is the appropriate amount of cover to provide clubs and members with peace of mind in the event that an individual is held responsible for causing a catastrophic injury. Claims involving sports injuries have exceeded £5 million in recent years, with court awards escalating annually.
As a committee member you have a personal liability in respect of the management of your club, particularly if the club is unincorporated. Combined Liability insurance provides Directors’ and Officers’ cover in order to protect you if you are sued for negligent decisions.
Cover is provided specifically to protect club officials and committee members.
Yes, clubs and counties receive Employers Liability insurance through their affiliation.
This is a separate insurance required in the event that an employee is injured and claims compensation against the club.
In general, you may need Employers' Liability insurance for someone who works for you if any of the following apply:
Under British Law, you can still be called an “employee” even if you are not paid. Our advice would always to take out Employers' Liability insurance.
Employers' Liability protects the employer in the event of an injury to an employee, for which the employer is liable, eg when the employee sues the employer. 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.
Individuals who may be interested in joining a club are insured for a maximum of six initial “taster” sessions.
For indemnity to apply it is essential that the club records their name, address and dates of attendance. These details must be retained as they may be called upon in the event of a claim. The individual must be a member from their sixth visit.
Failure to do so may mean that the insurance will be invalidated in the event of a claim.
Liability cover is provided for trips abroad that are authorised/recognised by Badminton England.
Please note this is not a Travel insurance policy, cover for which can be obtained from Sport Travel Insurance.
No, it is essential that you take out travel insurance for all members of your party travelling abroad. To obtain a quotation for travel insurance that will include cover whilst you are competing, please visit Sport Travel Insurance.
Insurance cover is only available to members who have a permanent UK address. Such members are covered for their liabilities in terms of recognised activities in both the UK and overseas, provided that any overseas trip is officially recognised/authorised by Badminton England.
Any member permanently living abroad is not covered.
The Combined Liability policy is written on what is known as a “claims made” basis. This means that the policy provides cover for those claims reported during the period of insurance, rather than the policy that was in force at the time of the incident.
Yes but only for legal expenses for defence of combined actions.
You should immediately record all relevant information as outlined in the Notification Requirements.
If there are verbal or written allegations made against your club, you should contact Karen Stewart at Howden on 0121 698 8046 or email - firstname.lastname@example.org
We would remind you that 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 that this is a Liability policy where the courts decide if negligence attaches to you. Therefore any payments you make to any third parties will not necessarily be reimbursed.
T: 01908 268 453
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