Public Liability Insurance

Participation in sport results in risks which are unique to that industry; insurance is a product which plays an important role in managing those risks.  However, an insurance policy which has been written predominantly for a retail business or a factory, for example, will not necessarily be appropriate for a sporting body.  It is extremely important that insurance purchased by a sporting organisation is specifically designed to cover the inherent risks of  that sport.

OAMPS Laser’s role as risk management advisers and insurance brokers is to,  in association with the sport, identify the risks to which the sport is exposed and determine how these risks are best managed.  Where it is determined that an insurance safety net is required to help manage an identified risk we determine the insurance wordings which are appropriate to assist in this regard.  This can involve tailoring the insurance wording to fit the requirements of the sport rather than purchasing an “off the shelf” product.

Public Liability insurance is an integral part of a risk management program.

Public Liability insurance protects the sport and it’s members against actions taken alleging negligence which results in injury or damage to property, excluding negligence by way of error or omission of advice.

For sporting organisations the policy should provide individual liability protection for administrators, coaches, officials volunteers etc. in addition to protection for the organisation itself.      

A suitable sports liability policy must consider the following :-

·         Participation Risk

·         First Aid Treatment Risk

·         Member To Member Cross Liabilities

·         Umpires/Referees Liability 

·         Tenants Liability 

·         Goods Sold/Products Liability 

·         Property In Physical And Legal Control 

·         Property Owners Liability 

·         Grandstands and Car Parks

·         Overseas visits

·         Unregistered vehicles, hoists and cranes  

It is important to note that insurance  terms, conditions and exclusions vary from insurer to insurer.  It is extremely important that the policy benefits and exclusions are understood and considered carefully in making a decision on the purchase of a policy.  Expertise is required to ensure that the appropriate cover is provided, therefore professional advice is essential.  The importance of reading and understanding the policy document, giving particular attention to the exclusions, cannot be overstated.

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