Club, society and association insurance

Insurance for clubs, societies, and associations

• Public liability insurance and employers' liability insurance

  To ensure comprehensive protection against claims, we group our public liability insurance for clubs and employers' liability insurance together.

  Public liability insurance covers the cost of defending your club, society or association if someone is injured, or their property damaged, due to your negligence. It covers you against the most common risks in your industry including personal injuries.

  If a club member were to be injured during an event, or if a member of the public slipped and broke their wrist – these common 'slips, trips and falls' are personal injuries. Public liability insurance covers the legal fees and compensation payments that would be payable. Cover for £5m.

  Employers' liability insurance is a legal requirement if you employ staff or volunteers. It covers against allegations of injury or illness suffered by staff during their employment. This cover is essential if your club, society or association hires employees, regardless of whether they are casual, part-time or full-time workers. Cover is for £10m.

• Professional indemnity insurance and trustee indemnity insurance

  To ensure comprehensive protection against claims, we group our professional indemnity insurance and trustee liability insurance together.

  Professional indemnity insurance covers the cost of defending your club, society, or association against allegations of professional negligence. If your club provides training, education or advice to its members, professional indemnity insurance can protect against claims that may be made against you if the service is substandard. It covers the legal fees, as well as any compensation that may be payable. Cover is available from £250,000 to £1m.

  Trustee indemnity insurance (also known as trustee liability insurance) covers the legal costs and expenses of defending against disqualification as a trustee, investigations, or extradition proceedings. If your club, society or association is registered as a charity or has trustees, you should give serious consideration to trustee indemnity insurance. Cover is available from £250,000 to £1m.

• Property damage insurance

  Property damage insurance covers:

  • your buildings
  • general contents (including stock)
  • computer equipment
  • tenant improvements and glass (for which you are responsible) against accidental damage (including theft) while on your group’s premises.

  You can also choose to insure your community group’s equipment (such as laptops and mobile phones) on a worldwide basis, and insure against additional trading expenses following an interruption.

  If, for example, there is a flood which means your group has to operate from another premises, this cover will help.

   

   

• Legal representation and employment disputes insurance

  Legal representation and employment disputes insurance protects your group against employment disputes. This includes:

  • official investigations
  • crisis management
  • identity fraud
  • official investigations (excluding HMRC)
  • corporate manslaughter
  • pollution
  • data protection issues

  Cover is available for up to £100,000.

• Money and personal assault

  Money and personal assault insurance covers loss of money for fixed limits. This is up to a maximum of £250,000 for non-negotiable money (e.g. crossed cheques) and £2,500 for negotiable money depending on the nature of the loss.

  In addition to this, if you, or members of your family, or employees, or members of their family, are injured during a robbery or attempted robbery, we will pay you either £5,000 or £50 per week for 104 weeks (depending on the nature of the injury).

• Cyber and data risks insurance

  Cyber and data risks insurance protects your group in the event of a targeted cyber-attack. It pays the costs of:

  • restoring data and equipment
  • informing clients
  • meeting ransom demands
  • loss of your net profit.

  It also pays your legal defence costs and damages you are legally liable to pay to other parties. Cover is available from £50kto £250k.

• Fidelity insurance

  Fidelity insurance protects your group against dishonesty or fraud by volunteers or employees. This could be, for example, if the volunteer who handles your accounts was found to have stolen money from the group’s funds for their own personal benefit. Cover for £50k.

• Occupational personal accident insurance

  Occupational personal accident insurance helps your group’s volunteers and employees if they are accidentally injured in the course of your activities. It pays a weekly amount for temporary total disablement, or a lump sum if they suffer loss of limbs, sight, speech, hearing, permanent total disablement or death. Limits from £100 per week/£25k lump sum to £500/week/£100k lump sum.