Surfing England insurance zone

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

Personal Accident cover provides a set financial payment in the event of an accidental injury, the benefits provided are as follows:

• Death £25,000 (over 18s) £5,000 (under 18s).
• Total and irrecoverable loss of use of sight in both eyes and or irrecoverable loss of use of both hands or both feet or of one hand and one foot £25,000.
• Total and irrecoverable loss of use of one hand or one foot together with the total and irrecoverable loss of all sight in one eye £12,500.
• Total and irrecoverable loss of all sight in one eye or total and irrecoverable loss of used of one hand or one foot £6,250.
• Total and permanent disablement £25,000 (subject to the detail within page 8 of the policy wording).
• Medical benefits – Hospital accommodation, ancillary medical expenses, dental services to sound whole teeth only – up to £500 (subject to £50 excess)

You receive public liability up to £10,000,000 and professional indemnity (coaching and tuition cover) up to £5,000,000.

As an affiliated coach of Surfing England, you also receive the benefit of Personal Accident insurance as per the personal accident policy benefits.

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.

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.

Yes, clubs are provided with employers liability insurance, with a limit of indemnity of £10,000,000.

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 parties property.

Please note any claims relating to deliberate or criminal acts are excluded.

Liability cover is provided for trips abroad that are authorised by Surfing England.

However, the membership insurance does not include travel insurance, which can be obtained via Marsh Sport here.

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.

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 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.