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LIABILITY INSURANCE

We have worked in conjunction with The FAW to create this liability insurance product for clubs, area associations, leagues and match officials

The FAW arranges cover as a centrally purchased policy to ensure all stakeholders have some protection (this excludes Welsh Premier Clubs). It is therefore important that you read the summary of cover (download available below) to ensure you are aware of what the main policy benefits and exclusions are. If you are unsure if cover is adequate for your needs please contact us.

Who is covered?
What is covered?
Are there any policy excesses?

This liability insurance scheme is designed to indemnify:

  • Adult Football
  • Vets Football
  • Walking Football
  • Youth Football
  • Soccer Tots
  • Disability Football
  • Trial Players / Temporary Members
  • Referees
  • Futsal
  • Coaches are covered whilst providing sessions for and on behalf of the club. NOTE: Coaches providing independent sessions or sessions under their own trading name are not covered and they are required to have their own insurance in their own right.
  • Huddle Football. Sessions are covered under the Countycover policy as they are being delivered by clubs on the proviso they are firstly sanctioned by the FAW and secondly each participant is made a temporary member of the club. The sessions must adhere to the coaching and safeguarding requirements of the FAW

IMPORTANT INFORMATION

Cover is not provided under this scheme for:

• Welsh Premier League
• Welsh Schools
• Welsh College Football Association
• FAW Trust
• Welsh National Teams


Five elements of cover in one package:

The FAW has a specialist package that has been designed to provide a range of liability covers for Directly Affiliated Leagues and their affiliated members clubs/leagues and match officials.

Five elements of cover in one unique package:

  • Public/product liability - £10,000,000 any one occurrence for public liability and in the aggregate in respect of products liability
  • Legal defence costs for 'player to player' - £250,000
  • Abuse cover is limited to £1,000,000
  • Employers Liability - £10,000,000
  • Officers & committee liability - £10,000,000
  • Professional indemnity - £10,000,000
  • Cyber liability £500,000

This product is exclusively available via affiliation to the FAW. The summary of cover includes the Evidence of Insurance cover.

Yes. In the event of a claim the following applies:

  • Public liability = £250 each and every claim in respect of third party property damage only. This is reduced to £25 in respect of claims for damage to windscreens/windows
  • Employers liability = No excess
  • Officers and committee liability = £250 each and every claim
  • Professional indemnity = £250 each and every claim
  • Cyber liability = £250 each and every claim

Summary of cover 

View the summary of cover provided

Your questions answered...

Q
What is public & products liability?
A

Provides protection against legal liability for bodily injury to third parties and damage to third party property.

Why should I have it?

Public & products liability claims examples:
  1. A player slid off the pitch into a concrete post. It was alleged that the post was erected too close to the playing surface and injury could have been avoided if the club had taken prior action. The club were held liable for the injury to the player.
  2. During a football competition the club provided their own barbeque and supplied burgers and snacks. Following the event the club received news of several cases of food poisoning from various people that had attended the event. The club were held responsible.
  3. Ball hit over cross bar and lands in undergrowth behind the goal. Player went to retrieve the ball and got caught on hidden barbed wire fencing causing serious injury. Club were held liable for failing to ensure a safe environment to play in.

 

Q
What is employers' liability?
A
Provides cover in respect of claims made against the club for injuries caused to an employee of the club arising out of and in the course of such employment.

Why should I have it?

Employers liability claims example:

Aclub asked a ‘volunteer’ if he would put the nets up on a regular basisin return for a small monetary reward. The club supplied a wooden stepladder to help fulfill the task.

The stepladder collapsed whilst the volunteer was using it and resulted in sustaining an injury.

Itwas proven that the step ladder was rotten and unsuitable for the task at hand. The club were held liable under Employers Liability because ofthe master-servant relationship.

Q
What is officers' an committee liability?
A
Provides cover for claims made directly against individuals at the club e.g. officer, committee member, director and/or trustee for alleged wrongful acts.

Why should I have it?

Officers & committee liability claims example:

During a committee meeting club member A read out a statement relating to club member B. Club member B took offence to this statement and later pursued legal action against club member A for alleged defamation of character.

Q
What is cyber liability?
A

Provides cover for your liability that can arise from collecting and storing personal data electronically or from operating on the internet.

Why should I have it?


Cyber liability claims example:

A club official drove to work with lap top on back seat. Whilst stopped at a set of lights a thief reaches in and stole the laptop which happened to contain information on club members, including names and address, contact numbers, dates of birth, nationalities and some bank details. 

The club had to advise all their members and organisations of the loss of data in addition to having to deal with some adverse publicity.

 
Q
What is professional indemnity?
A

Liability cover for claims made against the club for negligent acts, errors or ommissions, libel, slander and defamation. Includes cover for coaching activities that may be given in return for a fee. 

Why should I have it?

Professional indemnity claims example:

A club coach decided to bring in a new warm up regime before a game. A few players reported back pains a week later. It was alleged that these injuries were as a result of the new training regime and the advice that the club coach had been giving the players. 
Claims for injury were pursued against the coach for the instruction and advice he had given. The policy offered protection to the club coach in this particular case.

 
Q
Does the policy cover slips and trips in our clubhouse?
A
The policy is designed to cover slips, trips and falls due to your negligence but not if your club building is a licensed premises.
Q
Can we have a 'Lads v Dads' match?
A
No. The FAW does not sanction these types of activities. We have received claims in the past following serious injuries in these types of games.
Q
Does the policy cover injury to players?
A
This is a liability policy only so is designed to provide protection for claims made against you if you are found to be at fault or negligent in some way. For players to be protected for injury, regardless of blame, clubs should consider buying personal accident insurance. 
Q
Are soccer tots covered?
A
Yes. There are no age restrictions to the liability policies however, it is recommended that for children under 5 years of age their parent or guardian remains with their child.
Q
Are coaches covered?
A
Coaches are covered whilst working solely for the club or area association but not independently.
Q
My property was stolen in the changing room. Am I covered?
A
In the first instance this type of claim needs to be referred to your own insurance provider i.e. mobile phone insurance or household cover. Your own club may have a contents policy which potentially could cover items away from the club. A liability claim will only be successful if the club have acted in a negligent fashion.
Q
Are we covered for bonfires and fireworks displays?
A

Bonfires and fireworks displays are covered but subject to agreed events plan criteria.

Firework/Bonfire Warranty 
all fireworks are discharged by designated adults only 
all fireworks are stored in fire resistant containers
all spectators are kept at least 15 metres from the bonfire and firework discharge points
no accelerants are used on the bonfire

You must fully comply with HSE guidance which can be found at http://www.hse.gov.uk/explosives/fireworks/using.htm