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• Guide to Club Insurance

Guide to Club Insurance

Recommendations for Clubs

There are 3 main categories of insurance that all Clubs should consider:

• Liabilities

• Asset Protection

• Buildings & Contents

The following provides an indication of the cover available: full policy wordings, including any exclusions and limitations that apply, are available upon request.

 

Liabilities

To help 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.

To help, British Rowing has allied itself with specialist providers of bespoke schemes, which provide coordinated cover to meet these requirements, including Member to Member liability.

Towergate Insurance which runs Elite Rowing insurance, have partnered with Perkins Slade (provider of the British Rowing liability scheme) to provide a combination for BR registered Clubs.

Depending on your liability requirements these can be included within the boats & equipment and premises policies.

 

Asset Protection

Elite Rowing insurance for Club Boats & Equipment

The Elite policy has been designed to reflect the specific needs of individual rowing boat users and rowing clubs.

• 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 £3,000,000, with the ability to increase to £5,000,000.
• 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

Premises Insurance

• 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.