Snowsport England insurance zone

The Liability Policy protects the club and its registered members for allegations of negligence should they injure other members or members of the public. If the spectators are injured as a result of your clubs or its member's negligence they have the right to bring a liability claim against you. However, if a spectator injures themselves at an event and there is no negligence attaching to the club or its members there is no automatic payment to the spectator.

If your club employs the services of others it is a statutory requirement for your club to purchase Employers Liability Insurance. This is automatically provided as part of your affiliation with Snowsport England, the cover provides a £10m Limit of Indemnity. Please note volunteers should be treated in the same way as paid employees as the law does not restrict the definition of employees to those who receive payment for their services.

No, the cover is only in place for those activities recognised by SSE.

The public liability cover is provided to you travelling anywhere in the world. This would cover claims for alleged third party injury, or third party property damage. The public liability policy does not however, provide you with any travel insurance. Travel insurance would cover overseas emergency medical treatment, following an accident, repatriation costs, cancelled flights etc. Marsh Sport can provide a travel quotation if required. Please click here for more information.

Yes, the policy provides cover up to a value of £5,000 per club for equipment

Yes, the following excesses are applicable:

• £250 Bodily injury claims.
• £250 Directors & Officers claims.
• £100 Club equipment £5,000.
• Abuse Liability Claims £5,000.
• Claims arising from any Off Piste activity.

There is a statute of limitations for an injured party has to bring a claim for injury against you. Usually 3 years or if they are a child up to 3 years from their 18th birthday. This however can be reviewed by the courts dependant on the circumstances. It is imperative however that you notify any circumstance which may give rise to a claim as soon as you are aware of it.

Yes please note the insurance via Snowsport England does not cover Tubing.

Risk management is key when defending a claim and will need to be evidenced in the event of an incident. As such it is imperative that you undertake a risk assessments for all club activities.

Off piste coverage is only included for those suitably qualified within the ski boundary and within the EU. This is subject to a £5,000 excess.

Providing the activity does not require any specialist training, qualification, experience or equipment that is not recognised by SSE then social activity is covered involving affiliated club members.

Examples of recognised social activities would include Award Dinners and BBQ's.

If you are unsure whether your social activity is recognised, please contact Marsh Sport on 0345 872 5060 or email: marshsport@marsh.com

Social activities and associated entertainment involving non-members such as Birthday Parties are not covered.

Activities recognised and therefore covered via your insurance are:

• Alpine - Downhill, Super G, Giant Slalom, Slalom & Speed Skiing
• Nordic - Cross-country (Classical & Skating), Roller Skiing, Jumping, Telemarking/ Nordic downhill, Biathlon, Ski Orienteering
• Snowboarding - Freestyle, Big Air, Half Pipe, Slopestyle, Boardercross, Slalom (touring/mountain)
• Freestyle - Moguls, Aerials, Half-Pipe, Slopestyle, Skicross

We would 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.

The 'geographical/territorial' limits on the policy is where you can participate in Snowsport activities which is covered anywhere in the world. In layman terms, this means that you can train, participate and compete in recognised and approved Snowsport England activity, worldwide. The 'jurisdiction' is where an allegation/claim can be made against you or your club. In layman terms, this means the country in which a solicitor can be appointed, to try and sue you, if a third party feels you/ your club are deemed negligent. The territorial/ jurisdictional limit on the policy is United Kingdom only.

Please contact Marsh Sport to report the incident as soon as possible Tel: 0345 872 5060 Email: marshsport@marsh.com.

1. Public & Products Liability - £10,000,000 any one occurrence but in the aggregate in respect of Products Liability
2. Professional Indemnity - £5,000,000 any one claim and in the aggregate
3. Directors & Officers - £5,000,000 any one occurrence and in the aggregate
4. Employers Liability - £10,000,000 each and every claim
5. Abuse cover - £2,000,000 any one claim and in the aggregate

Under British Law, you can still be called an "employee" even if you are not paid. Our advice would always be to take out Employers Liability insurance. The type of contract in place with the coach may also mean you have employee employer relationship. In general, you may need Employers liability insurance for someone who works for you if any of the following apply:

• You have the right to control where and when they work and how they do it
• You supply most materials and equipment
• You have a right to any profit your workers make although you may choose to share this with them through commission, performance pay or shares in the company. Similarly, you will be responsible for any losses
• You deduct national insurance and income tax from the money you pay them
• You require that person only to deliver the service and they cannot employ a substitute if they are unable to do the work
• They are treated in the same way as other employees, for example if they do the same work under the same conditions as someone you employ.
• It is essential that when you use Self Employed Coaches you check the terms of contract for their services to establish if you will be classed as their employer, that they have their own Public and professional Indemnity insurance in place.

Employers Liability provides protection to your club, as the employer, in the event any of the volunteers or employees becoming injured themselves and suing your club for negligence.

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 is provided to support you for claims in this area, for 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 - this is also provided as part of the SSE Insurances.

Yes, the Public Liability cover extends to cover up to 3 taster sessions before deciding whether you'd like to become a full member of the club.