£10,000,000 Employers Liability
Protection against legal liability in respect of claims made for injuries to any volunteer or employee of the member club.
Who is covered?
This cover applies only to activities authorised or recognised by the NCMD. The policy covers:
- Clubs.
- Instructors and Coaches
- Individual members.
- Leaders.
- Volunteers.
Insurance applies during normal hobby metal detecting, official, recognised and approved training, competitions and related events of the NCMD.
What insurance do you get as part of your membership?
As part of your membership with NCMD 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 1st April 2024 to 31st March 2025.
Policy limits are as follows:
- Public Liability - cover for your legal liability of up to £10,000,000.
- Professional Indemnity - cover for the club's or instructors legal liability of up to £10,000,000.
- Directors and Officers – cover for club committee members of up to £5,000,000.
- Employers Liability – cover for clubs in respect of claims for injuries made by employees or volunteers, up to £10,000,000.
The covers explained
£10,000,000 Public/products liability
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.
£10,000,000 Professional Indemnity
Cover to protect an NCMD affiliated clubs, instructors or 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.
£5,000,000 Directors and Officers
Protection for committee members and club officers against claims arising from their decision or actions whilst managing the organisation.
Frequently asked questions
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.
You receive Public Liability up to £10,000,000 and Professional Indemnity (coaching and tuition cover) up to £10,000,000.
Liability cover is provided for trips abroad within Europe that are authorised by NCMD.
For trips outside of Europe, please refer to Marsh Sport providing details of the activities, the country you are travelling to and the dates of travel.
The membership insurance does not include travel insurance. This can be obtained from Marsh Sport here
Yes, clubs are provided with Employers Liability insurance, with a Limit of Indemnity of £10,000,000.
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.
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.
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 insurance provided by the NCMD 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 this is also known as errors and omissions cover.
Yes, the public liability insurance provided will defend your position, should you be sued for injury to a third party or damage to a third party's property. Please note any claims relating to deliberate or criminal acts are excluded.
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 there are verbal or written allegations made against your club, you should record the information and notify Marsh Sport of the incident at your earliest opportunity. Please contact 0345 872 5060 or email marshsport@marsh.com. 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.