Public Liability Insurance
Public Liability Insurance is designed to cover you should you or your organisation be accused of injuring someone or causing damage to their property.
Depending upon the sport or activity you are involved in, Public Liability might not a legal requirement but may be a requirement of a governing body, local authority or facility provider. Even if it is not compulsory we would normally strongly recommend Public Liability Insurance to all those involved in Sport, Dance or Leisure activities.
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How public liability insurance is purchased very much depends upon your circumstances. You may find that affiliation to a governing body, league or franchise gives automatic cover. Alternatively you will have to arrange cover yourself; this is especially true of commercial businesses in the sport, dance and leisure sectors.
You should make sure you understand what is covered by your policy as some are more comprehensive than others. Some Public Liability policies have restrictions regarding player to player or member to member injuries and some will exclude any injuries to sporting participants even if you are at fault. Alternatively some policies might cover your primary sporting, dance or leisure activities but not for any associated social activities.
Public Liability Insurance will often require you to implement a minimum level of risk management or health & safety in order to reduce the likelihood and severity of a claim. If you are a larger organisation or involved with more dangerous activities this can become more important and could not only determine how much your insurance costs but whether you can actually obtain cover at all.
Most people involved with sport, dance or leisure will have an annual insurance policy, however it can be possible to insure your liability for a single event if that is all you require.
Note that public liability insurance is not normally designed to cover injury to your employees or volunteers, which is more appropriately covered by Employers Liability Insurance and / or Personal Accident Insurance.
For advice or help with your Public Liability insurance please telephone 01905 612336 or send us an email.
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