Netball Scotland insurance zone

Protection against legal liability in respect of claims made for injuries to any volunteer or employee of an affiliated member club.

Protection for committee members and club officers against claims arising from their decision or actions whilst managing the organisation.

Please note members, coaches and officials also receive Personal Accident benefits. Please view the personal accident policy schedule in the downloads section.

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. You also receive the Personal Accident benefits which are detailed under the Personal Accident section.

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.

Yes, Clubs are provided with Employers Liability insurance, with a Limit of Indemnity of £10,000,000.

Employers Liability protects the employer/club in the event of an injury to an employee/volunteer, 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/coach/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 Netball Scotland 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.

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.

Liability cover is provided for trips abroad that are authorised by Netball Scotland - Territorial Limits are Worldwide (excluding USA and Canada). The membership insurance does not include Travel Insurance, which can be obtained via Marsh Sport.