Site last updated: Tuesday, November 18, 2008

BJK insurance brokers, insurance cover that is above the rest

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Summary of Cover

PUBLIC LIABILITY

This cover is intended to protect

The organisation as a whole
The Leaders, Volunteers an Members individually

Against

Payments of damages, which you are obliged to pay by law

For

Accidental bodily injury to an individual who has no connection to your organisation (a Third Party) or damage to the individuals property (an excess of £100 will apply to property damage.)

Or For

A member of your club causing accidental bodily injury to another club member or damage to the property of another club member (again a £100 excess will apply to property damage)

Caused by

An act of negligence by either a leader, volunteer, member or your organisation as a whole.

The maximum amount payable in respect of any one incident is £5,000,000. The insurance cover will also pay, subject to the Insurance Company’s permission, up to £250,000 in respect of legal fees for defending any action brought against your organisation in a UK Court of Law.

EMPLOYERS LIABILITY

This cover is intended to protect

The organisation

Against

Payments of damages, which you are obliged to pay by law

FOR

Accidental bodily injury to either one of your employee’s, leaders or volunteers

Caused by

An act of negligence by either your organisation or employee, leaders or volunteer.

The maximum amount payable in respect of any one incident is £10,000,000.

Employers Liability insurance is compulsory by law where an employer/employee/volunteer relationship exists.

PERSONAL ACCIDENT

Personal Accident cover provides a stated sum of money, or scale of benefit, should an accident occur whilst undertaking club activities to an Insured person irrespective of liability. It is up to each Club or Association to decide the level of cover it requires but it should be noted that the maximum number of units permissible per item description is FIVE, with the number of units for Under 16’s limited to ONE.

One unit of cover provides: (1/2 unit of cover = 1/2 of benefits shown)
	Under 16’s	Over 16’s
Death	£10,000	£10,000
Loss of one limb or eye	£5,000	£5,000
Loss of two limbs or two eyes Or one limb and one eye	£10,000	£10,000
Permanent Total Disablement From any and every occupation	£10,000	£10,000
Temporary Total Disablement Benefit payable for a maximum of 104 Weeks (excludes first 7 days)	£20 per week
Hospitalisation (for each full 24 hours)	£10 per day	£10 per day

Benefit payable for a maximum of 26 weeks excludes first 7 days for Hazardous Activities & Team
Sports and first 3 days for other activities.