The onus is on your Club to confirm with your insurance providers that your cover complies with:
- Employers Liability - £10,000,000
- Public Liability - £5,000,000 (to include Volunteer cover)
You will need to upload the full schedule for your Club’s Employers Liability and Public Liability, which will be anywhere between 2 and 8 pages. This is not to be confused with the policy wording as that can be anywhere up to 50 pages plus.
Employer’s liability is a statutory requirement under the Employers Liability (compulsory Insurance) Act of 1969 and clearly defines an Employee as follows:
For the purposes of this Act the term “employee” means an individual who has entered into or works under a contract of service or apprenticeship with an employer whether by way of manual labour, clerical work or otherwise, whether such contract is expressed or implied, oral or in writing.
Employers liability is often assumed to offer some protection for volunteers and participants at clubs, but this is not correct. It covers a different area of responsibility and is therefore not the applicable insurance to most of the insurance scenarios a club will come across.
This means that the public liability section of club insurance cover must include volunteers within the ‘insured’ description otherwise they will not be insured for injury to third parties or for claims of negligence when acting as a volunteer.