Insurance Centre

• Property & Contents – club facility
• Public Liability & Products Liability (£5m / £10m)
• Professional Liability (£5m)
• Trustees Indemnity (£1m / £2m)
• Employers Liability £10m Limit

Consider / optional covers –

• Cover for members/players of clubs (e.g. Liability & Personal Accident)
• Legal expenses / legal help for club committee members
• Travel Insurance – club/teams travel outside UK

• Administrative, social, fundraising duties associated with running a club
• Organisation and participation in training, tournaments, events, matches, leagues
• Hiring out of the premises to third parties for parties, weddings etc… However, please ensure the hirer holds their own Insurance. Hirers should hold Public Lability Insurance with a £5m limit as a minimum, ideally £10m.

If you are hiring out your facilities to a third party, your club is insured as the venue provider, as is the provision of any additional services, for example the running of a bar by your members or staff. To protect your interests, when hiring out your facilities to a third-party organisation you should seek to receive confirmation that they have Public Liability Insurance in place and establish who is responsible for completing Risk Assessments. Please ensure documents are retained.

No, however the insurance will be tailored to the needs of each club.

Yes, a club member can teach within their club, to their level of teaching/coaching qualification, and will be insured for public liability and professional indemnity sections of the liability insurance.

Only those members with the appropriate teaching qualifications are permitted to teach within the club environment. We would refer you to EPSB/WPBSA for guidance on which qualification is required.
Coach-led sessions must be undertaken by an appropriately qualified coach.

Any coaching that the club is advertising should be done by a WPBSA World Snooker Coach. Please read www.wpbsa.com/coaching

To be advised.

If the club is unincorporated, the officer (and its members) could be liable for any and all financial losses incurred by the club. The Directors & Officers / Trustees Indemnity insurance is provided to support you for claims in this area for allegations which may come against the officer whilst undertaking their role.
If the club is incorporated the directors may still find themselves personally liable and therefore Directors & Officers / Trustees Indemnity insurance is essential.

Please note, this is a different type of cover to Professional Liability, which is a form of liability insurance which helps protect professional advice given by your club this is also known as errors and omissions cover.

To be advised. Please contact EPSB in the first instance on 0117 317 8203

If you have purchased Employers Liability cover through the EPSB Insurance scheme, this element of cover insures the Legal Liability of an affiliated club and its committee following injury to an employee for which it may be legally liable.

There is no insurance cover for individuals’ property within the EPSB member benefits and if cover is required for personal property this may be covered by the individual home insurance provider.

The liability insurance includes the sale of food & drinks, please ensure you have the appropriate up to date licences in place.

Please note that if you require insurance to cover your stock or other property owned by the club should this be lost, damaged or stolen you can include this within the Property & Contents insurance on offer to your club.

Yes, if you have taken out such cover as part of the Property & Contents offering.

Yes. It is essential that you undertake risk assessments for the activities of your club to support you in your risk management. You and your club owe a duty of care to those around you: If an allegation for negligence is made against you or your club the risk assessments will be needed to evidence what you have reasonably been able to do to prevent an incident occurring.

EPSB can provide template Risk Assessments if required.

We would recommend that a designated person within your club is made responsible to record any reportable accident/incident. Records must be kept for at least 6 years, and longer where it involves a person under the age of 18 years. Names and addresses of any possible witnesses should also be recorded. Please ensure your club has an accident book to record all such information.

Public Liability Insurance covers the cost of legal action and compensation for claims made against your club or its committee members if a third party is injured or their property suffers damage whilst at your premises.

Personal Accident cover provides a set financial payment in the event of an accidental injury, such as death, permanent disability, broken bones, physiotherapy, dental expenses, etc.

It is understood that players tend to compete outside of the UK as individuals, rather than on behalf of a club. Either way, additional sports travel insurance can be purchased.

Employers Liability Insurance will indemnify the club/employer if it is legally liable for an injury or illness sustained by an employee (or volunteer working under the supervision and control of the employer).

Public Liability indemnifies a club/member/volunteer if another member, or member of the public, sues them for injury or damage caused. The policy also extends to include cover for liability arising out of the advice given by coaches.

The Liability Policy protects the club and its registered members for allegations of negligence should they injure other members or members of the public. If the spectators are injured as a result of your club’s or its members’ negligence they have the right to bring a liability claim against you.

However, if a spectator injures themselves at an event and there is no negligence attaching to the club or its members there is no automatic payment to the spectator.

Yes, although this is separate to Liability Insurance. As part of your quote please raise this and the team can provide a quote for you.

Under British Law, you can still be called an ’employee’ even if you are not paid. Our advice would always be to take out Employers Liability insurance. The type of contract in place with the coach may also mean you have employee employer relationship. In general, you may need employers liability insurance for someone who works for you if any of the following apply:

• You have the right to control where and when they work and how they do it.
• You supply most materials and equipment.
• You have a right to any profit your workers make although you may choose to share this with them through commission, performance pay or shares in the company. Similarly, you will be responsible for any losses.
• You deduct national insurance and income tax from the money you pay them.
• You require that person only to deliver the service and they cannot employ a substitute if they are unable to do the work.
• They are treated in the same way as other employees, for example if they do the same work under the same conditions as someone you employ.
• It is essential that when you use Self Employed Coaches you check the terms of contract for their services to establish if you will be classed as their employer, that they have their own Public and professional Indemnity insurance in place.

Employers liability provides protection to your club, as the employer, in the event any of the volunteers or employees becoming injured themselves and suing your club for negligence.

If you have purchased Public Liability cover through the EPSB Insurance cover, the policy automatically extends to protect the club for such events. Please ensure appropriate Risk Assessments are carried out and documented for the activity.

There is a statute of limitations for an injured party to bring a claim for injury against you. This is usually three years or, if a child, up to three years from their 18th birthday. However, this can be reviewed by the courts dependent on the circumstances. It is imperative that you notify any circumstance which may give rise to a claim as soon as you are aware of it.

If you have purchased Public Liability cover through the EPSB Insurance cover, the policy automatically extends to protect the club for such events. Please ensure appropriate Risk Assessments are carried out and documented for the activity.