Latest news - Insurance and Covid-19:
I have recently been in touch with the MD Insurance Adviser for the latest comment and it has been confirmed that the Lions Public Liability policy will indemnify Clubs in the usual way and defend any third party claims for personal injury / property damage caused by the Clubs activities. For any third party claim to be successful negligence must of course be proved.
Clubs need to take particular care with their risk assessments to ensure that there is no breach of the Covid-19 safety rules on social distancing rules, particularly with events that involve the general public. If a Club is in breach and is fined there is no insurance protection for that fine. Visit the MD website for the latest COVID guidelines.
Please refer to the MD website for a copy of the current evidence of insurance letter covering the period 1st September 2020 to 1st September 2021.
Liability insurance requirements
The insurance brokers no longer require an event checklist to be completed for any event. The only requirement they have is that we complete risk assessments for all events and that these are held on a file in the event of a claim they will be requested.
The policies arranged do not cover every eventuality and some exclusions do apply, such as:
- Aviation risks (other than hand-propelled craft), use of hot-air balloons, parachutes
- Marine and water borne risks, other than hand-propelled or sailing craft in inland territorial waters
- The re-sale of used electrical goods
- Racing risks involving the use of motor vehicles
- The use of vehicles licensed for road use on or off the public highway
- Any deliberate act or omission
- Contract conditions which impose an absolute liability on Clubs for damage or injury howsoever caused and for consequential loss.
- Sumo Wrestling
This is not an exhaustive list so if you are unsure about an activity please refer to your District or MD Insurance Adviser.
Vehicle and Sleigh cover:
There is no automatic motor insurance cover. If you require any cover for vehicles or the towing of sleighs please visit the MD website and provide the requested information.
Please send requests as early as possible to allow discussions with insurers. If a quote is needed by a certain date for meetings please advise this when making a request for cover.
All clubs have cover for £20,000 club property to include equipment and regalia. This will also include any hired in equipment as long as the club holds no more than £20,000 in property at any one time. If a club requires additional cover above £20,000 please email details of the cover required to firstname.lastname@example.org or email@example.com,uk
Additional Money Cover:
If you require additional Money cover (the limit at an event being £5,000) you are required to complete the additional money questionnaire and send this to firstname.lastname@example.org or email@example.com
Cancellation Cover for Events:
You can also request a quotation for cancellation cover for events. If you would like a quotation please contact the MD Insurance Adviser via firstname.lastname@example.org.