Protection for committee members and club officers against claims arising from their decision or actions whilst managing the club or managing Great Britain Wheelchair Rugby Limited.
Who is covered?
This cover applies only to activities authorised or recognised by the GBWR.
The policy covers:
- Clubs and their teams, officers, trustees, and committee members.
- Employees.
- Members.
- Players.
- Coaches.
- Volunteers.
- Officials.
- Tutors.
What insurance do you get as part of your membership?
As part of your membership with GBWR, you automatically receive the benefit of the combined liability insurance. To understand what these covers are 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 23 May 2024 – 22 May 2025.
Policy limits are as follows:
- Public liability - cover for your legal liability of up to £10,000,000 (£250 Excess)
- Professional indemnity - cover for the club's or instructors legal liability of up to £5,000,000
- Directors and officers – cover for club committee members of up to £5,000,000 (£250 Excess)
- Employers' liability – cover for clubs in respect of claims for injuries made by employees or volunteers, up to £10,000,000
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 GBWR member coaches 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.
Protection against legal liability in respect of claims made for injuries to any volunteer or employee of the member club.
Frequently asked questions
Yes, clubs are provided with employers liability insurance, with a limit of indemnity of £10,000,000.
Yes, the public liability insurance provided at £10,000,000 will defend your position, should you be sued for injury to a third party or damage to a third party’s property. Subject to a £250 excess. Please note any claims relating to deliberate or criminal acts are excluded.
If there are verbal or written allegations made against your club, you should record the information and notify GBWR in the first instance at info@gbwr.org.uk who will direct you to Marsh Sport.
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 this is a liability policy where insurers decide if negligence attaches to you, meaning any payment you make to any third parties will not necessarily be reimbursed.
You receive public liability up to £10,000,000 and professional indemnity (coaching and tuition cover) up to £5,000,000.
We recommend that a designated person within your club is made responsible to record any reportable accident/incident. Records must be kept for at least six 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.
It is essential that you undertake risk assessments for the activities of your club to support you in your risk management. You and your club owe a duty of care to those around you.
If an allegation for negligence is made against you or your club, the risk assessments will be needed to evidence what you have reasonably been able to do to prevent an incident occurring.
If your query relates to the insurance policy, please contact our insurance broker, Marsh Sport on either 0345 872 5060, or by email at marshsport@marsh.com
If you wish to make a claim, please contact GBWR in the first instance at info@gbwr.org.uk.
Employers' liability protects the employer in the event of an injury to an employee, for which the employer is liable.
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.
Liability cover is provided for trips abroad that are recognised by GBWR.
However, the membership insurance does not include travel insurance, which can be obtained from Marsh Sport separately. marshsport.co.uk/sports-travel-insurance
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 provided by GBWR is in place to support you and your club for claims in respect of 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 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/coaches. This is also known as errors and omissions cover.
New members are eligible to attend up to four sessions for free before needing to register for membership – players’ trial sessions are limited to training and will need to register before attending competition, however volunteers can use their trial sessions at competition.