Swim England Clubs

Expert cover for your club and its members

As a club, you have a duty of care to all those taking part in activities and visitors.

Incidents happen. That's why all sports organisations need to ensure they have appropriate insurance protection. Without it, individuals can be held personally financially liable to compensate for losses for which you do not hold valid insurance.

Combined Liability cover is available for all clubs registered with Swim England whilst taking part in activities sanctioned by the club. This protects the club, affiliated members, teachers, coaches, and officials if they are held responsible or are found to be negligent for causing injury to someone else or damage to someone's property whilst taking part in swimming, diving and other aquatic activities recognised by Swim England.

Combined Liability cover includes

Public Liability & Professional Indemnity insurance

This protects the club and its committee and members against a claim made against you following loss, damage or injury to someone else or their property up to a maximum limit of £20 million.

Employers Liability insurance

Employers Liability is a legal requirement for any club that employs people paid or unpaid. This covers the club and committee if they are held liable for an injury sustained by an employee or volunteer while they are working for the club. The maximum limit of cover is £10 million (limited to £5 million in terrorism cases).

Director's & Officer's insurance

This covers club committee members and directors for their personal liability for any claims that are made against them for breach of duty.

The maximum policy limit for this cover is:

Directors and Officers - £20 million any one claim or per policy year
Corporate Legal Liability - £5 million any one claim or per policy year

Examples of breach of duty include:

Mismanagement of club finances
Breach of fire safety regulations
Corporate manslaughter

Club Legal Advice and Expenses

This gives the club committee and directors help to manage their legal responsibilities at the club, with access to legal helplines on matters of European law.

It is essential that you obtain advice from DAS before you act to ensure that you do not prejudice your defence. If DAS have not been contacted prior to your action, they are unlikely to support the claim.

The cover also extends to provide legal expenses for certain matters, including:

Employment Disputes and Awards
Legal Defence
Property Protection
Bodily Injury
Tax Protection

Important - Any club with excess of £50,000 wageroll is to be notified to and accepted by the insurer. Only if you exceed the £50,000 please email Howden at [email protected] with club name and total wageroll.

Personal Accident insurance

This 'no fault' policy provides cover to Swim England club members for injuries sustained taking part in swimming, diving and other recognised aquatic activities up to the age of 85.

This policy covers you for:

Permanent total disablement from any gainful employment or gainful occupation for which the insured person is fitted for by education training or knowledge. A percentage shall be applied to the limit per person under permanent total disablement for some injuries and details are included with the Club Summary of Insurance Cover provided annually - £30,000
Death - £5,000
Loss of two or more limbs or both eyes or one of each - £30,000
Loss of one limb or eye - £30,000
Permanent and total loss of speech - £30,000
Permanent and total loss of hearing in both ears - £30,000
Permanent and total loss of hearing in one ear - £7,500
Medical expenses necessarily incurred in the treatment of the Insured person - £100
Dental benefits (subject to a £50 excess) - £1,000
Broken bones - up to £500 per insured person. Special definitions applying to the broken bones extension:
- Breach in the structure of the bones other than hairline fractures as a result of bodily injury following an accident which necessitates treatment by plaster cast of one or more of the bones listed below:
  - Arm (humerus, radius, ulna, carpals) - £100
  - Leg (femur, tibia, fibula, metatarsals, tarsals, patella) - £200
- Of the clavicle - £200
- Of the skull - £200
Optical expenses - up to £1,000 (if during the operative time the insured person sustains bodily injury following an accident which within two years is the sole and independent cause of the incurring of optical expenses the company will pay up to a maximum of £1,000 any one insured person)

Other special extensions apply and these are detailed in the policy document available to clubs and listed on the clubs summary of insurance provided annually.

The club/member must provide written notification within 90 days of the occurring of any accident, event or circumstance which may give rise to a claim under the Personal Accident policy.

A weekly temporary total disablement from the persons regular gainful employment, benefit of £75 per week (max 104 weeks) is available to club members between the ages of 15 and 65. If you wish to include a weekly benefit for all your qualifying club members (those in regular gainful employment agreed 15 and 65) please contact Howden for a quotation via email to [email protected] providing club name, address, number of members and your contact information.

Limitations:

Benefits for persons aged 70 to 85 are limited to death, loss of limbs or eyes
Dental expenses are reduced by 50% for those aged 70 and over

A weekly temporary total disablement from the persons regular gainful employment, benefit of £75 per week (max 104 weeks) is available to club members between the ages of 15 and 65. If you wish to include a weekly benefit for all your qualifying club members (those aged 15-65) please contact Howden for a quotation.