Legal Liability Insurance
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Legal liability insurance Football Association of Wales (FAW) Policy summary (Excludes Welsh Premier League teams) Valid from 1 July 2021 An introduction to the FAW liability scheme We have worked in conjunction with The FAW to create this liability insurance product for clubs, area associations, leagues, and match officials. This leaflet provides a brief summary of the features, Five elements of cover benefits, and limitations of the FAW liability scheme, arranged by Bluefin Sport and underwritten by XL Catlin Insurance Company UK Limited. Public and products liability As this is a summary of cover it does not include all Provides protection against legal liability for the policy benefits, limits, and exclusions. Full terms, bodily injury to third parties and damage to third party property. Includes “Player to Player” conditions and, exclusions are shown in the master legal defence costs cover (see “Player to Player” policy document, a copy of which is available on request liability cover heading on page 3’). or at bluefinsport.co.uk/faw. + This summary includes the following: Employers liability • What is the FAW liability scheme? (p.2) Provides cover in respect of claims made against • Five elements of cover (p.2) the club for injuries caused to an employee of • Is the FAW scheme adequate for my club/league? (p.3) the club arising out of and in the course of such employment. • Policy excesses (p.3) • Period of insurance (p.3) + • “Player to player” liability cover (p.3) Officers and committee liability • Are club tournaments and fund raising Provides cover for claims made directly against events covered? (p.3) individuals at the club e.g. officer, committee • The insurer (p.3) member, director and/or trustee for alleged wrongful acts. • Who is covered by this policy? (p.4) • Summary of the covers and significant exclusions (p.5-6) + • FAQ’s and claims examples (p.7) Professional indemnity • Evidence of Cover (p.8) Liability cover for claims made against the club for negligent acts, errors or ommissions, libel, • At a glance glossary (p.9) slander and defamation. Includes cover for coaching activities that may be given in return What is the FAW for a fee. liability scheme? + This liability insurance scheme is designed to indemnify the Directly Affiliated Leagues (DAL) and their clubs (with Cyber liability the exception of the Welsh Premier League teams), Area Associations and their affiliated member clubs (adult and Provides cover for your liability that can arise youth), leagues, match officials, and registered referee from collecting and storing personal data electronically or from operating on the internet. associations/societies. By the FAW arranging cover as a block insurance scheme premiums are more affordable to clubs and leagues at the lower levels of the game. Important Information: • Cover is not provided under this scheme for Welsh Premier League teams. • For clubs and leagues that operate a licensed premises, cover for this aspect of the operation is not provided under this 2 scheme and separate cover should be sought. 3 Five elements of cover Is the FAW liability scheme Cover for club tournaments and cover adequate for my fund raising events club/league? Cover applies to legal liability arising from club fund raising and tournament events up to 5,000 attendees The scheme is designed to cater for: per day but excluding any hazardous activity, as • The Area Associations. detailed within the policy wording. However, the policy • Directly affiliated clubs and leagues. can usually be extended to cover hazardous activities subject to an additional premium, and will be reviewed • Grass roots clubs and leagues. on an individual basis depending on the information • Affiliated referees including stand-in referees provided. Most tournaments will need to be sanctioned (other than European games). by your Area Association. Your demands and needs Please note: Cover includes bonfires and fireworks displays but this will be subject to agreed event plan This product is designed to meet the demands and criteria (see glossary page 9). needs of the majority of amateur and semi professional clubs/leagues that wish to protect themselves against third party liability. Cover includes property owners Please note: the policy does not include cover for liability for clubs/leagues that own a clubhouse, event cancellation, abandonment, curtailment, or event changing facility or stands. (Although public liability property. Contact us if you wish to arrange this. insurance is not provided within the buildings of a licensed premises (see Glossary on page 9). Referees The above statements do not constitute advice or a The policy extends to cover all forms of refereeing which personal recommendation for our FAW product. Should has been appropriately sanctioned by the relevant Area you require advice please contact Bluefin Sport. Association or The Football Association of Wales. Policy excesses? • Public liability: £250 for each and every claim in The insurer respect of damage to property only. This is just £25 in The policy is underwritten by XL Catlin Insurance respect of claims for damage to glass/windows. Company UK Limited. Recognised as being a market leader, their Sport & Leisure team has significant industry • Employers liability: No excess. experience, knowledge, technical know-how, and • Officers and committee liability: £250 each and every claim. embedded product expertise. To learn more, visit axaxl. com • Professional indemnity: £250 each and every claim. • Cyber liability: £250 each and every claim. Have further questions? The period of insurance This is a summary of the policy cover. If you are This FAW liability scheme provides cover for 12 months uncertain as to whether cover is appropriate for you from 1 July of each year. please do not hesitate to contact us and we would be happy to help. ‘Player to Player’ liability cover ‘Player to Player’ is a term used to define a situation 0345 872 5060 where a claim arises from one player injuring another whilst participating in a game or training. [email protected] This scheme provides an element of protection for bluefinsport.co.uk/faw ‘Player to Player’ incidents. It automatically includes ‘Player to Player’ legal defence costs of up to £200,000 but excludes any damages legally awarded. 2 3 Who is covered by this policy? FAW Tier Structure Qualifying member Clubs are insured for the following activities: The FAW Liability Package is a bespoke package for member clubs registered at Tier 2 and below: • Adult Football. • Vets Football. • Tier 2: Cymru North and Cymru South. • Walking Football. • Tier 3: Ardal Leagues. • Youth Football. • Tier 4 and below: Grassroots Football. • Soccer Tots. • Disability Football. Cover extends for the activities of the • Trial Players / Temporary Members. Area Associations including: • FAW sanctioned cross-border friendlies or tournaments which take place in England. • 6 Area Associations: • Futsal. CWFA – Central Wales FA. • Huddle Football. GCFA – Gwent County FA. (Huddle Football sessions are covered under the FAW Countycover policy on the basis they are being NEWFA – North East Wales FA. delivered by clubs and on the proviso they are NWCFA – North Wales Coast FA. firstly sanctioned by the FAW and secondly each participant is made a temporary member of the SWFA – South Wales FA. club. The sessions must adhere to the coaching and WWFA – West Wales FA. safeguarding requirements of the FAW). Cover Extends for the Activities of Directly Other Insured Persons Affiliated Leagues (DALs) including: • Referees and Match officials, including registered • Directly Affiliated Leagues: referee associations/societies. Cymru Premier League. • Coaches are covered whilst providing sessions for Cymru North. and on behalf of the club only. Cymru South. Ardal leagues. Who is Not Covered? Reserve League North. Reserve League South. • Welsh Premier League. Cymru Premier Development League. • Welsh Schools. Cymru Youth League. • Welsh College Football Association. FAW Academy Leagues. • FAW Trust. Welsh Premier Women’s League. • Welsh National Teams. • Affiliated Leagues ran by: • Coaches providing independent sessions or sessions under their own trading name are not covered and SWFA - South Wales FA. they are required to have their own insurance in their GCFA - Gwent County FA. own right. WWFA - West Wales FA. CWFA - Central Wales FA. NWCFA - North Wales Coast FA. NEWFA - North East Wales FA. 4 5 The policy cover summary 1. Public & products liability | £10,000,000 Protection against legal liability for bodily injury to third parties and/or damage to their property including nuisance, trespass or interference up to a limit of indemnity of £10,000,000. Cover includes Main exceptions • The organised activities of the Directly Affiliated Leagues and • The first part of any claim (your excess). clubs, area association leagues and grass roots clubs/leagues, Area Associations and referees associations/societies. • Liability arising from property ownership with regards to the operation of licensed premises. • Club social and fundraising events up to 5,000 attendees per day • ‘Player to Player’ liability. but excluding driving events, bouncy castles, water sports or any activity above 3 metres off the ground. Cover for bonfires and • Assault, battery or any intentional or pre meditated or fireworks displays is subject to agreed event plan criteria (see malicious or deliberate violence, criminal act or acts or glossary). intent to cause harm or gross negligence. • Property owner’s liability, including liability for spectator stands, • Actions of a player whilst under club, league or temporary or permanent (excludes operators of licensed association suspension. premises - See Glossary). • Hazardous activities. • Legal defence costs in the event of “Player to Player” (participant • Fireworks or bonfire displays that do not meet agreed to participant) up to £200,000. This does not cover any award or event plan criteria damages that may be given. • Loss or damage to property in your custody or control • Liability for loss of or damage to premises hired, leased or rented (other than damage to property comprising premises to the insured club/league.