Why do I need Employers’ Liability insurance?
All employers must maintain employers’ liability insurance to cover them should an employee suffer a work-related injury or disease. Even if your employees are part-time employees, have work experience, or are volunteers, they can still be considered employees, so employers’ liability insurance should be in place.
You will be issued an employer’s liability insurance certificate when you get employer’s liability insurance. This certificate must be made available for employees to view, and a copy of the certificate needs to be kept on file should a claim arise, even many years after the alleged cause of the injury or disease.
Employer’s liability can be purchased independently but is more commonly available alongside public and product liability or as part of a commercial package or combined policy.
Employer’s liability is not designed to cover employment law events such as wrongful dismissal or discrimination, which may be covered by legal expenses or Directors & Officers policy.
What insurance do I need to consider?
Every club, organisation, and race is unique, so no ‘one size fits all’ insurance plan or solution exists. Aside from employers’ liability insurance, there are some other recommended insurance options for your club, such as:
Public Liability
Personal Accident
Cyber Insurance
Legal Expenses
Kit & equipment
Employers Liability
Event Cancellation
Sports travel insurance
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