Posted on January 19, 2017
Another cricket season will soon be upon us and it is time to think about all the aspects of running a club, including insurance. Most of us get involved with cricket because we love the sport and the friendships it brings, so finding that insurance is one of your responsibilities can feel like facing a fast bowler on a bumpy wicket with the sun in your eyes. However, insurance need not be daunting if you work with a sympathetic insurance broker who understands your sport. Here are some of the basics you need to know:
Public Liability Insurance can provide cover for injury to members of the public or damage to their property, such as wayward cricket balls, slips & trips. Make sure your policy covers you for injury to players, members and officials as this can often be excluded. Public Liability is often combined with Products Liability Insurance in case something you supply causes injury or damage – such as food poisoning from a dodgy sandwich.
Employers' Liability Insurance is there in case an employee or volunteer is injured whilst working for the club, perhaps whilst preparing the pitch or helping behind the bar. Employers liability is compulsory by law.
Personal Accident Insurance will pay a player if they are injured. Cover can include special benefits for broken bones and dental treatment and different rates for juniors.
Property & Equipment Insurance is there to cover losses resulting from perils such as fire, flood and theft. You can insure permanent structures such as clubhouses and pavilions, mobile equipment like sight screens or mowers, and portable equipment like kit bags – you can even insure the playing surfaces. Make sure you understand any security requirements, especially for items kept in the open, and keep your broker aware of portable items, trophies, money & alcohol as they may need to be itemised. Cover can be extended to include Business Interruption insurance that will cover lost income following damage or theft.
Committee Members Liability, also known as trustees or directors liability, is designed to defend individuals who might be accused of failing in their responsibilities in their running of the club.
Cancellation & Pluvius Insurance can cover a club for expenses or lost revenue resulting from causes beyond your control such as heavy rain, flooding or gales. Wet summers have caused financial hardships to many clubs.
Travel Insurance can cover teams and groups if they are on tour for medical costs, cancellation, disruption, lost baggage, etc.
Not all of these will be relevant to you and there are others that we have not listed but as each club is different you should chat to us about what you do/ not need. If you are part of a league or county then talk to us about the savings you can make by insuring as a group.
For a no obligation quote please contact us now on 01905 612336.