To add to all that (and the countless other times this question has come up) Perkins Slade provide Public Liability Insurance, and sort of know what Ultimate is.
Andy -----Original Message----- From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED] On Behalf Of James Melzack Sent: 14 December 2006 13:44 To: JOE PIETRZAK Cc: [email protected] Subject: Re: [BD] Public Liability Insurance for Clubs Dear Joe (and Britdisc), For those that don't know, public liability insurance basically covers you injuring someone else... for example if a stray disc were to hit a passerby and he were to take legal action then public liability insurance would cover you for this. Normally (in my experience) this type of cover is provided by the national governing body (for example the British Mountaineering Council includes £4M public liability insurance with its membership). Such cover is also available from private firms, although these are usually a lot more expensive. Lets be honest, the likelihood of someone getting hit by a frisbee in a park in this country and then taking legal action is pretty slim. The UKUA membership does include personal injury insurance for members at UKUA sanctioned events (tour, nationals). Medical insurance is not really necessary in this country as we have the NHS, however personal injury insurance will payout if (for example) you loose the use of a limb permanently. If you are worried that someone will chip a tooth, blame you and decide to take legal action there is a clause that basically says that if someone is participating in an activity they cannot blame someone else for any injuries they sustain as it was their choice to take part... Volenti Non Fit Injuria. This is Latin for "to the willing, no injury is done." It operates when the claimant either expressly or implicitly consents to the risk of loss or damage. For example, if a regular spectator at an ice hockey match is injured when a player strikes the puck in the ordinary course of play, causing it to fly out of the rink and hit him or her, this is a foreseeable event and regular spectators are assumed to accept that risk of injury when buying a ticket. To those attending a training session it is therefore assumed that there is a risk of being hit in the face by a frisbee, and that they have accepted this risk by turning up. Negligence is a little different, however someone would have to do something really silly for this to arise (such as set up a pitch within a foot of a busy footpath). Probably the most important aspect of a training session is to warm up and stretch to avoid injury. For TD's however neglence is a little different, as it is their responsibility to check the pitches for broken glass and other such dangers, they have a duty of care to the players; there is plenty of information available on the ukua website about how to run a successful tournament. All athletic unions charge a fee (usually included in the membership fee to join a club) which includes insurance. Assuming you play for a university team, the insurance doccument is available from your student activities centre, although will be written in legal jargon as opposed to the common tongue. Obviously the levels and types of insurance offered vary. Your Athletic union membership card is proof of this insurance. Endsleigh have told me that they include public liability insurance, so as long as your club is affiliated to the students union and all members have paid their fees everyone is covered, they insure the majority of student unions in this country. I asked them how much this cover would be for a non student club; and they were reluctant to give me a figure but said they would call back later today. I will let you know what they say. Hope that helps with all insurance questions, sorry for going off on one. Just for the record, I am not qualified in law whatsoever. -Chef On 12/14/06, JOE PIETRZAK <[EMAIL PROTECTED]> wrote: > > Hello All, > > Do any other clubs have or have investigated Public Liability Insurance? > I'm sure this has been discussed before. > Can you get cover for personal injuries while at practice or tournaments? > Are members of the UKUA covered in anyway? Can you get cover for > injuries to members of the public struck by stray discs/clattered on the > sideline? > If anyone has cover like this for their club or has looked into it > please could you let me know your findings. > > Many Thanks, > > Joe, Mustard #7 > > > > ___________________________________________________________ > All New Yahoo! Mail - Tired of [EMAIL PROTECTED]@! come-ons? Let our > SpamGuard > protect you. http://uk.docs.yahoo.com/nowyoucan.html > > __________________________________________________ > BritDisc mailing list > [email protected] > http://mailman.ranulf.net/mailman/listinfo/britdisc > Staying informed - http://www.ukultimate.com/informed.asp > __________________________________________________ BritDisc mailing list [email protected] http://mailman.ranulf.net/mailman/listinfo/britdisc Staying informed - http://www.ukultimate.com/informed.asp ____________________________________________________________ Electronic mail messages entering and leaving Arup business systems are scanned for acceptability of content and viruses __________________________________________________ BritDisc mailing list [email protected] http://mailman.ranulf.net/mailman/listinfo/britdisc Staying informed - http://www.ukultimate.com/informed.asp
