Independent Gymnastics Association Insurance Zone

Both the Liability and Personal Accident insurance apply when a member, coach or club is participating in any recognised activity of IGA. The permitted activities are:

Gymnastics (gymnastics for all)
Trampolining – members only other than birthday parties – max 25 with 2 gym coaches
Cheerleading
Womens gymnastics
Pre-school gymnastics
Acrobatic Gymnastics
Mens gymnastics
Tumbling
Rhythmic
Team gym
Double mini tramp – double mini trampoline involves a smaller trampoline with a run up
Trampolining events
Cover is extended to include 3 free taster sessions (coaches will closely supervise them on these sessions
Freestyle Gymnastics
Birthday Parties
Holiday clubs

Alongside the Combined Liability insurance IGA have arranged a Personal Accident policy for members if they are accidentally injured when participating in a sanctioned activity or event, or whilst taking part in a club organised training activity.

Public Liability - cover for your legal liability of up to £15,000,000 any one occurrence. This insurance provides protection against legal liability for bodily injury to third parties and damage to third party property.
Professional Indemnity - cover for your legal liability of up to £10,000,000 any one claim and in the aggregate. This insurance covers coaches and those in the role of committee members & officers 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.
Employers Liability – cover for a club’s and home nation’s legal liability of up to £10,000,000 any one occurrence in respect of claims made against the affiliated entity for injuries caused to an employee or volunteer arising out of and in the course of their such employment.
Directors, Officers & Committee Liability – cover for a club’s legal liability up to £5,000,000 any one claim and in the aggregate for claims made directly against directors, officers, or committee members of a club for alleged wrongful acts in connection with the club affairs.

Retro Date: 30/09/2018: Please refer to the Evidence of Cover within the downloads section for full details of the policy conditions.

Insured Persons: All affiliated or approved members and coaches of IGA

Operative time: Whilst taking part in activities organised by the IGA including direct travel to and from home or place of activity.

Principal benefits:

Accidental Death £30,000
Permanent total disablement £30,000^*
Loss of sight in one or both eyes £30,000
Loss of hearing in one ear £7,500
Loss of hearing in both ears £30,000
Loss of one or more limbs £30,000
Temporary total disablement £100 per week (excess 4 weeks, benefit period 52 weeks)
Hospitalisation benefit £50 per day, up to £750
Funeral expenses £10,000
Dental Expenses up to £500
Physiotherapy up to £500
Broken skull (excluding jaw and nose), lower leg, collar bone, ankle, elbow, upper or lower arm (including the wrist but not a Colles’ fracture) £250

*The basis of cover for permanent total disablement is any and every occupation.

For a full list of the Personal Accident benefits please review the Personal Accident Schedule within the downloads section.

Frequently asked questions

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 6 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.

If the club is unincorporated, the officer (and its members) could be liable for all financial losses incurred by the club. The Directors and Officers insurance provided by IGA 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 & 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 this is also known as errors and omissions cover.

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.

Independent Gymnastics Association

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Frequently asked questions

Independent Gymnastics Association

Introduction

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Who is covered?

When does the cover operate?

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Incident reporting

Useful contacts

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Frequently asked questions

Does the liability insurance cover me if a claim is made against me for injury to another person or damage to someone's property?

What information do I need to record when an accident occurs?

As a club officer, could I be liable for a loss that my club may incur?

How is Employers Liability different to Public Liability?

Do we have insurance if our club employees/volunteers are injured?

Is damage to our equipment/premises covered?

Is our club covered if we go abroad?