Combined Liability Insurance provides for legal liability following negligence, nuisance or trespass arising out of declared NISA activities
Unlike other liability insurances, it not only covers Public Liability but also includes cover for the following, which are excluded from other providers standard covers:
Professional Indemnity provides cover following negligent advice. If you are a coach, this cover will protect you in the event that an injury or financial loss results from your negligent act or omission whilst coaching at your own affiliated club.
There have been cases of members of sports clubs having disputes. Posts on web sites and content in emails could be potentially libellous, for example, and this section of cover will protect you if it is alleged that you have defamed someone else.
The Combined Liability is designed specifically to meet the needs of the NISA and its following constituents:
There are no excesses.
You should immediately record all relevant information as defined in the Incident Recording Guidelines.
If there are verbal or written allegations against you, you should advise Howden immediately and pass on any documentation, unanswered, you may have received to avoid prejudicing your claim.
Additionally you are also required to comply with the Ministry of Justice procedures. These require disclosure of insurance details within 24 hours of contact by Third Party solicitors following an injury where you may be liable. Failure to comply with the revised procedures will result in a sharp increase in costs.
No, if you are injured you should seek legal advice on how to pursue a claim against the person(s) responsible for causing the injury.
You may however be able to claim from the Personal Accident policy should your injury be listed as one of the pre prescribed injuries, see the below question regarding Personal Accident cover.
Insurance cover is only available to those who have a permanent UK address
There is no age limit.
UK law does not restrict the definition of employees to only those who receive payment or reward for their services.
Volunteers can be classed as employees, for example, you may ask a volunteer to change a light bulb and use a ladder to do so. If the volunteer fell from the ladder, suffering injury in the process, it is likely that the volunteer would be treated as an employee in the eyes of the law.
In this example, should the club be found responsible for the volunteers’ accident by way of negligence but had not taken out an Employers’ Liability the club would be vulnerable not only to an uninsured claim for damages but possibly a fine for not having an Employers Liability policy.
As such we recommend an Employers’ Liability Insurance policy if your club / county is reliant on voluntary labour, whether paid or not.
Failure or refusal to display or make available the certificate can also result in a fine of up to £2,500. Since 01 October 2008 you have been allowed to display your certificate electronically, provided your employees know how and where to find the certificate and have reasonable access to it.
This cover is available via the Howden.
This is not recommended as the cover under the policies is unlikely to be the same - having 2 policies does not mean that you will be covered by both i.e. double the benefits. In the event of a loss the most appropriate policy will respond - if both policies apply the costs would be shared between the insurers.