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General Public & Products Liability – Policy Coverage
What does this policy cover?
This policy will pay for sums which a club, affiliation, association or member becomes legally liable to pay for compensation in respect of injury or damage.
It covers liabilities that can be incurred both on court and off court. Benefits include:
- Participation Risk – where a member, temporary player, official or other person registered and actively engaged in sporting and social activities is injured and takes legal action against the club or association for personal injury whilst playing. This cover is also extended to include participant to participant liability.
- Club fundraising and social activities (including bar facilities if owned and/or operated by the club). If your proposed activity involves any of those listed under “Does your cover extend to all club activities?” in Unusual Activities/Events, please contact JLT Sport to ensure that cover can be confirmed with the insurer prior to the activity.
- Member to Member cover – where one member takes legal action against another member.
- Professional Advice – covering claims for errors and omissions resulting in injury and/or damage in connection with the activities and advice given by coaches, umpires or managers.
- First Aid Treatment Risk – liability arising from the rendering of first aid treatment (excluding treatment provided by a qualified medical practitioner, such as Doctors or Physiotherapists who should carry their own insurance).
- Tenants Liability – if as a result of the hiring or leasing a premises the club incurs a liability.
- Products Liability – this relates to products that the club sells, the most common being food and beverages. If these products are contaminated for example, and a third party takes legal action against the club as a result, this section of the policy would protect the club.
- Property in Your Physical and Legal Control – if you have goods or property entrusted to you and you are held liable for damage to the goods, this extension will cover you to the value of $20,000 (in the aggregate).
- Property Owners’ Liability – covering your liability as an owner of the premises.
- Erection and alteration to buildings – providing liability coverage for claims incurred by you as a result of the erection, demolition, alteration of and/or addition to buildings or structures as long as such work does not exceed $500,000. If any erections or alterations to buildings exceeds this amount please contact us to seek our advice before commencing.
It is stressed that these features need to be read in conjunction with the conditions and exclusions applicable to the policy. For ease of reference, these documents are located on the Downloads section of this web site or alternatively please contact JLT Sport.