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.
The FAW Liability Package is a bespoke package for member clubs registered at Tier 2 and below:
Tier 2: Cymru North and Cymru South.
Tier 3: Ardal Leagues.
Tier 4 and below: Grassroots Football.
Cover extends for the activities of the Area Associations including:
CWFA – Central Wales FA.
GCFA – Gwent County FA.
NEWFA – North East Wales FA.
NWCFA – North Wales Coast FA.
SWFA – South Wales FA.
WWFA – West Wales FA.
Cover Extends for the Activities of Directly Affiliated Leagues (DALs) including:
Directly Affiliated Leagues:
Cymru Premier League.
Reserve League North.
Reserve League South.
Cymru Premier Development League.
Cymru Youth League.
FAW Academy Leagues.
Welsh Premier Women’s League.
Affiliated Leagues ran by:
SWFA - South Wales FA.
GCFA - Gwent County FA.
WWFA - West Wales FA.
CWFA - Central Wales FA.
NWCFA - North Wales Coast FA.
NEWFA - North East Wales FA.
<span style="letter-spacing: -0.49997px;">T</span><span style="font-size: 27.0001px; letter-spacing: -0.49997px;">he liability insurance scheme is designed to indemnify</span>:
- Adult Football.
- Vets Football.
- Walking Football.
- Youth Football.
- Soccer Tots.
- Disability Football.
- Trial Players / Temporary Members.
- Directly Affiliated Leagues (DAL).
- Area Associations.
- FAW sanctioned cross-border friendlies or tournaments which taek place in England.
- Huddle Football. Huddle Football sessions are covered under the FAW Countycover policy on the basis they are being delivered by clubs and 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.
OTHER INSURED PERSONS
- Referees and Match officials, including registered referee associations/societies.
- 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.
Cover is not provided under this scheme for:
- Welsh Premier League.
- Welsh Schools.
- Welsh College Football Association
- FAW Trust.
- Welsh National Teams.
It is important to note the Countycover Insurance package does not extend for licenced activities. Clubs and Leagues that supllies or sells alcohol and/or that provides public entertainment should seek separate cover.
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.
<span style="font-size: 27.0001px; letter-spacing: -0.49997px;">Five elements of cover in one package</span>:
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 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' - £200,000
- Abuse cover is limited to £1,000,000
- Employers Liability - £10,000,000
- Officers and 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 co
<span style="font-size: 27.0001px; letter-spacing: -0.49997px;">Yes. In the event of a claim the following applies:</span>
- 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...
Provides protection against legal liability for bodily injury to third parties and damage to third party property.
Why should I have it?Public and products liability claims examples:
- 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.
- 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.
- 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.
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.
Why should I have it?
Officers and 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.
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 their lap top on the back seat. Whilst stopped at a set of lights a thief reached 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.
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.
Bonfires and fireworks displays are covered but subject to agreed events plan criteria.
• 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