Insurance for clubs and organisations

As a club or organisation that is affiliated to UK Athletics or one the Home Country Athletics Federations, you automatically receive the benefit of Public Liability insurance and Directors and Officers Liability Insurance.

Who is covered?

Public and products liability insurance:

Any club or organisation affiliated to UK Athletics, England Athletics, Scottish Athletics, Athletics Northern Ireland, or Welsh Athletics.
All affiliated National and Regional Associations, Federations and bodies and all affiliated Clubs, Organisations and Associations.
The policy also indemnifies any official, secretariat, committee, sub-committee, working party, or volunteer of an affiliated club/organisation.

Directors and officers insurance:

Any club or organisation affiliated to UK Athletics, England Athletics, Scottish Athletics, Athletics Northern Ireland, or Welsh Athletics during the current Policy Period.
Including any Trustee, Club Executive, Governor, Volunteer, Committee member in including but not limited to Chair, Secretary, Treasurer and Welfare Officer.

About the insurance covers provided

Public liability insurance provides protection against legal liability for bodily injury to third parties and damage to third party property.

Public Liability limit £50,000,000 any one occurrence.
The policy covers activities anywhere in the world, provided that claims are brought in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.
An excess of £250 applies to each and every claim for third party property damage.
There is no age limit applied to the cover.
Cover applies to all club activities including training, competitions, club / region administrative meetings, social and fund raising activities

Public liability cover for competitions and events

Track & Field Competitions

All Track and Field competitions/events must have a valid licence in order for insurance cover to apply.

You can apply for a licence through UK Athletics: https://www.uka.org.uk/competition/track-field/track-field-licensing/

Non- stadium running and walking events

Licences are required in order for insurance cover to apply for non-stadium running and walking competitions if the event:

Has 150 or more participants, or
Charges for entry, or
Has runners taking part who are not in an affiliated club.

For the avoidance of doubt, in respect of non-stadium running and walking events only, licences are not required, if the event:

Has less than 150 participants, and
Does not takes an entry fee, and
Has only club runners from affiliated clubs taking part.

You can apply for a licence for road races and multi-terrain races using the links below:

Please note

Cover for competition and events applies to athletics events within one of the six disciplines defined in UK Athletics Rules for Competition:

Track and Field
Race Walking
Cross Country
Road Running
Fell, Hill and Mountain Running
Trail Running.

Cover is also included for Highland Games/Heavy Throwing events licensed by Scottish Athletics and for weight throwing events licensed by UK Athletics or the relevant HCAF.

Cover does not apply to any event that is not described in UKA Rules for Competition such as Colour Runs and events that incorporate obstacles, unless the event is a Fun Run incorporated within the programme of a licensed event.

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.

The insurance is subject to all terms, conditions, limitations, exclusions and cancellation provisions and may also be subject to warranties. Please see the Policy Wording for full details.

Products Liability limit £50,000,000 any one occurrence and in the aggregate.

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

Employers Liability limit £10,000,000 any one occurrence.
Cover applies to all club activities including training, competitions, club / region administrative meetings, social and fundraising activities.

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

Defence Costs, and any amount which the Insured incurs or is legally obligated to pay resulting from a Claim, including fines and penalties, awards of damages, awards of costs.
Investigation Costs - the policy will pay your reasonable fees, costs, expenses and other related charges or those incurred on your behalf in connection with an investigation.
Limit of Indemnity £2,000,000 in the aggregate per club, subject to £10,000,000 in the annual aggregate.