Civil Liability Insurance - a MUST for every club
We all know that going to court can be very expensive. Even a solicitor's letter can take you well into double figures; but did you know that if your club is sued for damages every single member of the club would be liable?
So if someone hits a ball out of your ground and causes a fatal road accident, a comparatively modest court award of £100,000 could cost your members nearly £10,000 each. It could mean having to sell your house - a frightening thought, isn't it?
That's where Civil Liability Insurance comes in. It protects your club, and that means its members, from the damages arising out of any action for which your club could be held to be liable.
Whether caused by a loose floorboard in the pavilion, something in the refreshments, or by a ball hitting a member of the public walking on a footpath near the ground, or indeed that motor accident from a ball hit out of the ground, you'll be protected.
Over the winter 2004/05 the National Stoolball Association has been working with new insurance consultants to obtain extra benefits for all the clubs and associations which have this insurance.
This insurance used to be called Public Liability Insurance. We now call it Civil Liability Insurance, and the extra cover includes:
- civil liability arising out of injury to any person (excluding persons employed)
- civil liability in respect of loss or damage to third party property
- civil liability in respect of nuisance and trepass
- civil liability in respect of libel and/or slander committed in good faith
- civil liability arising out of advice, tuition or coaching provided by any member of your club. This covers all umpires, scorers and coaches.
The renewal of the master policy issued to the National Stoolball Association is due on 1 April. Your club is invited to renew your insurance cover by participating in this policy. The cover provided by this policy is £10 million.
How much does it cost?
If you buy a separate policy it can cost anything from £100 upwards. If you share in the National Stoolball Association's master policy arranged with the Royal & Sun Alliance Insurance Group it will cost you just £41 for a full £10 million cover.
What about the club's social events?
These are covered too, with just one exception - if your club has a firework display the insurance will not cover that.
How do you join?
Just complete the form below and send it with a cheque or postal order for £41 made payable to the National Stoolball Association to:
Michael Ledwich
49 Bolters Road South
Horley
Surrey
RH6 8HS
