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British Weight Lifting insurance

For member clubs/gyms

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Introduction

Marsh Sport are the appointed insurance broker to the British Weight Lifting. This web page sets out details of the insurance provided to clubs as part of your membership and crucially also highlights additional protection that you should consider.

What insurance is automatically provided via your membership to British Weight Lifting?

Amongst the benefits of your club becoming a member of British Weight Lifting is the automatic provision of Property Owners Liability and Professional Indemnity insurance protection.

About the covers

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  • This policy provides indemnity to the insured for legal liability for damages and legal costs arising out of third party injury, loss or damage, in connection with the operation of the premises and equipment therein where property owners liability attaches under the Occupiers Liability Act 1957. 

    Example: The policy would provide cover if a roof tile falls on a member of the public.
  • It is important to note that the property owners liability cover does not provide cover for the operational activities or equipment use of the member club. Clubs should arrange a separate Public Liability insurance policy to cover this aspect.

    Example: A member of the public trips over a weights bench and is injured.
  • This provides liability protection for a breach of professional duty where the policy cover is aimed at the exposures of coaches, instructors and trainers whilst involved in activities and events, which are  controlled/sponsored recognised or authorised by British Weight Lifters Association Ltd, and where the incident does not relate to injury or damage to a third party claimant.

  • This cover is related to errors or omissions in the advice or instructions given from individuals who the BWLA are vicariously liable for.

    Example: If a coach injuries an athlete due to substandard techniques and as a result of this the athlete misses out on financial rewards associated with qualifying for a particular event.

What additional insurance should clubs consider?

Working alongside British Weight Lifting, we have identified an exposure that some member clubs may have inadequate insurance protection in place.

In addition to the property owners liability provided by British Weight Lifting membership, clubs should particularly consider the provision of public liability insurance protection.

  • This policy would provide cover for third party public liability exposures associated with the operational activities of your facility/gym. Example: If a weight falls on a member of the public.
  • This means qualifying claims from the actual activity of lifting weights will be covered, subject to terms and conditions.
  • In addition to Public liability cover there are some other insurance benefits that will help provide even wider protection for British Weight Lifting members.

It is recognised not all clubs will require the same level of protection so we have put together two simple product options to choose from - Silver or Gold. Further detail of these options can be found in the brochure download but we have listed some of the main features below.

Product options

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Silver cover will include:

  • £2,000,000 Public liability, including £100,000 abuse cover.
  • £10,000,000 Employers liability (Includes voluntary workers). Up to £35,000 wageroll.
  • £25,000 Tenants improvements.
  • £50,000 Contents.
  • £750 Stock.
  • £150 Visitors effects.
  • Glass replacement.
  • £250 Money.
  • £50,000 Business interruption - revenue.
  • £10,000 Business interruption- any increased cost of working.

Subject to terms conditions and exclusions.

Gold cover will include:

  • £5,000,000 Public liability, including £100,000 abuse cover.
  • £10,000,000 Employers liability (Includes voluntary workers). Up to £35,000 wageroll.
  • £50,000 Tenants improvements.
  • £100,000 Contents.
  • £2,000 Stock.
  • £250 Visitors effects.
  • Glass replacement.
  • £500 Money.
  • £100,000 Business interruption - revenue.
  • £20,000 Business interruption- any increased cost of working.

Subject to terms conditions and exclusions.

  • Find out more about the Silver and Gold policy options that can provide member clubs with additional protection.
  • You can either complete the form electronically and email to us, or print off the form to submit in the post.