Badminton England insurance zone

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/ trustees indemnity 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 and 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.

Only claims regarding professional indemnity, public and products liability and corporate liability require an excess to be paid.

• Professional indemnity - £500.
• Public liability (third party property damage only) - £250.
• Abuse - £2,500.

There is no insurance cover in place for loss or damage to club equipment. If you would like a quotation please contact Marsh Sport on 0345 872 5060.

If your club employs the services of others it is a statutory requirement for you to purchase employers liability insurance. This is automatically provided as part of your affiliation with Badminton England, the cover provides a GBP10,000,000 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.

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.

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 a spectator is injured as a result of your clubs negligence, the injured party has the right to bring a liability claim against you. The liability policy in place will respond and insurers will investigate the claim on behalf of the club. 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.

• Public and products liability £15,000,000 any one event (any one period for products/pollution).
• Abuse cover £2,500,000 any one occurrence and in the aggregate.
• Professional indemnity £5,000,000 in the aggregate.
• Directors and officers £5,000,000 in the aggregate.
• Corporate legal liability £500,000 in the aggregate.
• Employers liability £10,000,000 any one event.

Yes, prospective members are covered for up to six sessions per year, these are classed as 'come and try it sessions'. Once they have attended the six sessions in order to attend any more they must become affiliated members of your club or Badminton England.

If an incident occurs please contact Marsh Sport on 0345 872 5060. (Mon to Fri 9am to 5pm)