Talk to us about cover for clubs
We have over 40 years in rowing which means we understand your commercial insurance requirements and can tailor policies that include the following benefits to your requirements. If you are not already insured with Elite Rowing please give us a call prior to your next renewal.
The benefits of Elite Rowing cover include agreed value rowing insurance for boats and equipment, boats and equipment insured in transit, free temporary cover for additional boats and equipment, free inclusive European cover and additional covers for clubs.
Additional covers available for clubs
- Cover for club premises and property
- Liability cover on club premises and for organised events
- Business interruption cover
- Employers Liability cover
- Directors & Officers Liability Insurance
- Personal Accident Cover
- Legal Expenses cover
About club insurance
There are three types of cover clubs should consider:
-
Liabilities
-
Asset Protection
-
Buildings & Contents
The following information provides an indication of the cover available. Full policy wordings including cover, exclusions and limitations are available on request. Please call us on 0344 892 8911 or send us an email.
Liabilities cover
This cover helps to protect the club and its committee against the cost of a claim made against you following injury to someone else or damage to their property.
British Rowing requires its affiliated clubs to protect themselves and their committee in respect of their liability to others.
Depending on your liability requirements these can be included within the boats & equipment and premises policies.
Asset protection cover
The Elite Rowing policy has been designed to reflect the specific needs of individual rowing boat users and rowing clubs and can provide cover for:
- Loss or Damage to Your Boats & Equipment Specified on the Policy Schedule
The boats and equipment of a Club are valuable assets and cover is provided for all risks of damage including collision, fire and theft. In addition, the policy provides cover for loaned or hired boats.
Please note that the Sums Insured provided by this policy in respect of the boats and equipment are on an “Agreed Value” basis and not “Market Value” at time of loss i.e. we do not make a deduction for wear, tear or depreciation.
- Your Legal Liabilities to Third Party Property Damage and Bodily Injury
Up to £5,000,000, with the ability to increase to £10,000,000.
- Member to Member
The liability of one member to another member.
- Road Transits
Including all road transits within the United Kingdom and the Continent of Europe.
Buildings & contents cover
This covers:
- The Property
The buildings and contents including stock and articles in the open on the premises against such risks as fire, lightning, explosion, malicious damage, storm, flood, impact by aircraft, road and rail vehicles, escape of water.
The premises should be insured for their full rebuilding cost (including professional fees and the cost of site clearance).
- Business Interruption
Keeps the Club going following damage such as fire, to compensate for the loss of gross profits, together with paying any increased working costs and extra expenses.
- All Risks
To cover items that travel with you away from the premises. Ideal for laptops, tools and other portable equipment.
- Employers' Liability
Protecting your legal liability for the safety of your staff, including both employed and volunteer workers.
- Money
Protecting your cash and other money from loss, including compensation for anyone attacked when handling this.
- Public & Products Liability
Protecting the Club from potential legal liabilities through activities or the products that you sell.
- Directors & Officers (D&O)
Covers cost and awards associated with the allegations of a wrongful act. It gives Directors and Officers of the Club protection should an allegation or claim be made against them personally.
- Group Personal Accident
Provides a lump sum benefit should a Club member sustain bodily injury during a Club activity.
- Legal Expenses
To cover the legal costs involved in pursuing or defending a claim for your legal rights in a variety of situations.
- Regatta Cancellation
To cover the loss of costs & expenses following the Cancellation/Abandonment of the event due to circumstances beyond the control of the Assured including adverse weather conditions.
Would you like to discuss cover?
Our team of experts are happy to talk you through the cover available for your club so you can make an informed decision that the cover meets your needs.