Tennis clubs and venues
Registered tennis clubs and venues are provided with a combined liability policy as an automatic member benefit
As part of your registration with the LTA, members clubs and venues are automatically provided with insurance covering various types of claims that can be made against the club (including the cost of legal fees).
The policy covers:
Public Liability insurance – £60m each and every claim
Public liability cover protects the club and its committee against a claim made against you for injury (physical and/or mental) or property damage/loss suffered by a third party, for example a visitor to your club.
The policy limit is £60m per year, with sub-limits set as caps on various types of claims. For full details, see the policy schedule.
Public liability cover also includes:
- Abuse - protection for damages awarded against the organisation, up to £10m (each and every claim and per policy year, including costs)
Employers' Liability insurance - £10m each and every claim
A legal requirement for any club with at least one employee, Employers’ Liability covers the club or committee if they are held liable for an injury suffered by an employee during the course of their work.
The policy includes injuries to volunteers and the maximum limit of cover is £10million per year or per any one claim.
Director's & Officer's insurance (D&O) - £1m each and every claim and each year
Club committee members can be sued for their actions, potentially even by the club itself. All club committee members have a personal liability for any claim that is made against the club for breach of duty, maximum of £1m any one claim/per policy year.
Examples of breach of duty include:
- Mismanagement of club finances
- Breach of fire safety regulation
- Corporate manslaughter
If you feel your venue should arrange a higher limit of cover please contact us to discuss your requirements and arrange a quotation.
See a copy of the Directors and Officers policy schedule here.
Professional indemnity - £10m each and every claim and each year
Professional Indemnity insurance protects venues and coaches for claims arising out of Errors or Omissions in respect of the professional advice, including instruction that they give whilst coaching. Coverage is up to up to £10million (per claim and per year).
This includes defamation, including Libel and Slander cover, up to £10m
In addition, National, County and Island Associations and certain other representative bodies may be covered for damage to or loss of Property, including business interruption cover. Please see your policy schedules or speak to Howden to confirm this.
Who is covered by the LTA policy?
- All National, County and Island Associations
- All venues & programmes formerly registered to the LTA as places to play through their National, County or Island Association
- Committees, members and coaches of members clubs registered to the LTA as Venue (formerly known as places to play)
- Members of LTA Coach Accreditation or Accreditation+
- LTA Advantage Compete members
The LTA policy covers venues with regard to their liability towards anyone on site, including members, non-members, visitors, contractors and members of the public.
The difference with members is they are themselves covered if they cause an injury and are sued, whereas that cover isn’t provided to non-members. So the registered venue is covered in respect of P&P members if they are injured, but they are not covered personally. If a visitor such as a P&P visitor injured another person and was sued, they wouldn’t be covered, themselves for any compensation they had to pay, whereas if they were a member of the club they would be.
Who is not covered?
Cover has been arranged for LTA registered venues that are members' clubs, however commercial centres and Local Authority venues should arrange their own insurance cover. Please give Howden a call to discuss your requirements.
What activities are covered?
The insurance covers a wide range of activities related to the venue/registered venue, including:
- Organised tennis activities including training, tournaments and competitions
- Social, fundraising and administrative duties
- A registered venue which borrows, rents or leases premises for sporting or social purposes and is held liable for any damage to the facilities
- Courses, where the course is taking place at the registered venue or an alternative venue (e.g. school) and whether or not the participants are members of the registered venue, if the course is delivered by the club's employed coach
Some important exclusions
Local authority venues
Local authorities needs to arrange their own insurance please speak to Howden.
Multi-sport venues may have some sports and activities excluded
A number of registered venues are multi-sports venues. The LTA policy features multi-sport cover that applies to all Venues EXCEPT commercial centres, local authority run centres and education facilities, who should arrange their own insurance cover for all their activities.
Cover is provided for all racquet sports (including general physical training for tennis) and other sports/ activities UNLESS specifically excluded (see below) or where specific cover for those sporting activities is available through a direct affiliation to the relevant National Governing Body.
Activities specifically excluded are:
Football, Rugby, Hockey, Cricket ), any Martial Arts (including self-defence classes but excluding boxercise and body combat), Rowing, Sailing, Canoeing, Windsurfing, Scuba Diving, any Equestrian Sports, any Airborne Sports, Rock Climbing/Mountaineering, Abseiling, Bungee Jumping, Potholing, Zorbing, any Motor Sports.
NB. Football, indoor quick cricket and tag/touch rugby are covered if they are organised as part of a tennis coaching session or as a fitness method for players under the guidance of an LTA Accredited+ coach.
All activity should be delivered by appropriately qualified coaches
If the club is contracting an external coach or personal trainer to deliver non-racket sports sessions the club must ensures that the coach has the appropriate insurance for the activities that they are running.
This should form part of the contract for services between the club and the coach; the club should confirm the appropriateness of the cover by obtaining a copy of the instructor’s insurance documents.
Self-employed coaches are not covered by the Clubs and Venues policy, but should be covered by other policies provided to them by the LTA
Any self-employed coach will not be covered by the venue insurance but if they LTA Accredited they will be covered for tennis activity by the LTA Accredited coaches cover.
While affiliation to the LTA does provide cover for your liabilities, your club has much more to protect, we provide LTA-approved property insurance that is tailored to your club. Click here to find out more.
LTA Legal and Tax Helpline
The LTA’s specialist legal and tax helpline, operated by a leading commercial law firm, can provide valuable guidance and advice on business-related topics:
- Governance and Incorporation
- Tax Treatment and Advice
- Employment Law
- Property Law
- Disciplinary and Safeguarding Regulations
- Data Protection & GDPR
To access support from the Legal & Tax helpline, you simply need to call 03330 433 232 and quote your LTA Registration or Coach Accreditation number.
NB. For insurance related queries please contact Howden on call 0121 698 8003 or email [email protected].
Need to claim?
No, there is no excess to pay in the event of a claim.
No, cover for a family of commercial venues will be arranged by the owners of the venue parent company in respect of the risks arising from all if their activities, including tennis.
A number of registered Venues are multi-sports venues and the LTA liability cover will operate for additional activities UNLESS specifically excluded (see below) or where specific cover for those other sporting activities is available through a direct affiliation to the relevant National Governing Body.
These multi-sport covers apply to all Venues EXCEPT commercial centres, local authority run centres and education facilities who should arrange their own insurance cover for all their activities.
Yes, if you are a members club. If you are a commercial centre, local authority venue or education facility you should arrange your own insurance cover for all your activities.
Yes, the registered venue is covered for any of its teams or players playing or training at grounds away from the registered venue.
Yes, the policy will provide cover to the registered venue for your legal liability at law in respect of claims that are made for injury, loss or damage that arise out of an act of negligence on your part. The policy does not provide any form of indemnity to hirers, however, in respect of their own liability.
A responsible junior member should ensure that the non-member's details are recorded at the registered venue as soon as is practically possible.
Individuals (non-members) attending courses are covered through the LTA's insurance policy.
It is recommended (and good practice) that if juniors are playing/practicing at a registered venue, it is the registered venue's responsibility to provide the correct "duty of care", i.e. there should be a responsible adult, such as a parent, on site during this time. This would help minimise the risk of either the children causing damage or injury, or the children being injured or put into a situation that would need to be reported under the LTA Child Protection procedures.
Cardio Tennis is a recognised LTA initiative and Venues are covered to deliver Cardio Tennis sessions provided that the coach delivering the sessions is appropriately qualified to do so. It is advisable that the coach should obtain a declaration from all participants prior to the session (or course of sessions), in writing, that they are not aware of any pre existing medical conditions that mean they should not take part
We would recommend that the club should have the fireworks or bonfire party arranged by an independent contractor who carries their own insurance protection. If the club is arranging its own display, however, cover is included provided that the club complies with the risk management requirements of the LTA's insurers. These can be found here. If there are expected to be more than 1,000 spectators present, the club should contact Howden and provide a copy of its risk assessment in order that cover can be agreed.
No, cover is not provided due to the level of height. We recommend that you use a contractor who should hold their own liability cover.