As a Club you have a duty of care to all those participating in the sport and visitors. A club must do all it reasonably can to reduce or eliminate loss, damage or injury to others and it may be held legally liable to others if it fails to do so.
Swim England Clubs and their Registered Members benefit from combined liability insurance which covers the following areas:
Public Liability & Professional Indemnity insurance protects the club and its committee against a claim made against you following loss, damage or injury to someone else or their property. Cover is provided by Hiscox Insurance Company Ltd and Zurich up to a maximum limit of £20 million (limited to £10 million in respect of claims arising from communicable disease).
Employers Liability insurance covers the club, or committee if held liable for an injury that an employee suffers during the course of employment. The policy includes injuries to volunteers and the maximum limit of cover is £10 million. (limited to £5m in respect of Terrorism) This is a legal requirement for any club that employs people paid or unpaid. Cover is provided by Hiscox Insurance Company Ltd.
All club committee members/directors have a personal liability for any claim that is made against the club for breach of duty to a maximum of £20 million (limited to £10 million in respect of claims arising from communicable disease) any one claim/per policy year. D&O cover is provided by Hiscox Insurance Company Ltd and Zurich, to protect club officials and committee members. Examples of breach of duty include: