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This is a LIABILITY POLICY providing the following cover:
Public giving protection against your legal liability for damages and legal costs arising from accidental injury to members of the public, or accidental damage to their property occurring during the period of insurance;
Products liability giving protection against your legal liability for damages and legal costs arising from accidental injury or accidental damage to property resulting from products made or supplied by you occurring during, the period of insurance;
Professional indemnity giving protection against claims first made against you and notified to us during the period of insurance alleging your legal liability for damages and legal costs arising from breach of professional duty caused by any negligent act, error or omission by a “qualified person”- see policy definitions;
Employers' liability giving protection against your legal liability for damages and legal costs arising from injury to any person employed by you in the course of their employment in your business occurring during, the period of insurance; for sports clubs and associations.
Personal accident insurance is a benefit policy where a cash benefit is paid following death or bodily injury to an insured person. Its main purpose is to assist with any financial difficulties encountered due solely to the injury suffered.
Personal Accident Cover is operative when travelling to and from training or games. It provides cover for all referees, officials and players.
This cover is suitable for Leagues, Associations, Clubs and their registered members of British Crown Green Bowling Association, who have paid membership fees and been declared to Underwriters.
This is a DIRECTORS' & OFFICERS' LIABILITY and COMPANY REIMBURSEMENT policy for sports clubs and associations providing the following cover:
Directors' & Officers' Liability giving protection against legal liability by paying on your behalf any loss for which the Directors and/or Officers are personally liable but for which they cannot legally be indemnified by their Company;
Company Reimbursement giving protection by paying on behalf of the Company any loss which it is legally permitted to make; arising out of any claim for any wrongful act committed or alleged to have been committed by any Directors and/or Officers in their capacity as a Director and/or Officer; and first made against them jointly or severally during the period of insurance and notified to Us during the indemnity period.
|Benefit description||Benefit Amount|
|Limit of Indemnity||£2,000,000, £5,000,000 or £10,000,000 any one occurrence, as selected|
|Employers' Liability||£10,000,000 any one occurrence|
|Benefit description||Benefit Amount|
|Loss of Eyes/Limbs||£20,000|
|Permanent Total Disablement||£20,000|
|Temporary Total Disablement||£75 per week|
|Hospital Benefit||£10 per day|
|Injury Assistance||£30 per day|
|Broken Bones (Limbs only)||£80.00|
|Benefit Description||Benefit Amount|
|Directors and Officers Liability||£100,000|
|Limit of Indemnity||Any one occurrence|
|Abuse Extension||Limit of Liability, this extension is on a Claims Made basis|
|Excess||£100 each and every loss for damage to Third Party Property under Public Liability section|
|Accidental Death||From any business profession or occupation, reducing to £1,000 for juniors (under 16 years of age)|
|Permanent Total Disablement||From attending usual business profession or occupation|
|Temporary Total Disablement||Whilst playing, practicing and training, including travelling to and from any venue for these purposes for 20% of benefits 1, 2 & 3. Excludes first 7 days. 52 weeks maximum period|
|Hospital Benefit||Excludes first day. 30 days maximum period|
|Injury Assistance||Excludes first 7 days, £1,500 maximum benefit|
|Incident Reporting Period||Any accidents that may result in a claim must be reported to insurers within 30 days of occurrence date|
|Limit of Indemnity||£100,000 any one claim and in the aggregate|
|Excess||£500 each and every claim|