Liability insurance is a defensive cover that protects against claim made against you, including the cost of legal fees. The LTA has arranged the following classes of insurance cover for the protection of its constituents, including members, affiliated coaches and registered places to play:
Cover includes member-to-member liability, meaning that the policy will protect one insured member if another member is injured and claims against them.
There is no age limit.
The policies provide cover for all activities recognised by the LTA, which includes playing, training for and competing in tennis and racket sports at a club or registered place to play or competition.
Registered places to play are covered for their activities, including adminsitrative functions, competition organising and social activities. Cover is exended to include some multi-sports (see FAQs for places to play for more details).
This means that the policy provides cover for those claims reported during the period of insurance (rather than the policy that was in force at the time of the incident).
In the event of a claim your limit of indemnity is the maximum your policy will pay for damages. We believe that £60m is the minimum amount of cover to provide you with peace of mind in the event that you were held responsible for causing a catastrophic injury to an individual and we have already seem sports related claims that have exceeded £5m. As the LTA and its constituents often arrange large events with many visitors, there is the potential for a catastrophic incident that would injure several people at once and the £60m limit of indemnity is in place in case of this eventuality.
Professional Indemnity provides cover for incidents that result from negligent advice. If you are a coach, this cover will protect you in the event that an injury results from your negligent act or omission in your coaching.
There have been cases of members of sports clubs having disputes. Posts on web sites and details contained in emails could be potentially libellous, for example, and, should your club arrange cover under the sports & recreation liability scheme, this section of cover will protect you if it is alleged that you have defamed someone else in good faith.
You should immediately record relevant information concerning incidents involving a fatality, an injury involving either referral to or actual hospital treatment, in your accident book. These incidents, and any allegations of libel / slander, any allegations of professional negligence, i.e. arising out of tuition, coaching or advice given, any investigation under any child protection legislation or any circumstance involving damage to third party property, should be reported to Howden immediately.
If there is a verbal / written allegation against you, you should advise Howden immediately, and pass on any documentation you may have received. Click here for more details.
Yes but only for:
There are no policy excesses in resepct of a liability claim made against you.
No, if you are injured you should seek legal advice on how to pursue a claim against the person(s) responsible for causing the injury.
Insurance cover is only available to members who have a permanent UK address. Such members are covered for recognised activities in both the UK and overseas (but excluding USA and Canada), provided that any overseas trip is officially recognised by the LTA (i.e. to a training camp or to take part in a recognised competition).
Overseas coaches working on a temporary basis in the UK will have to extend their liability cover from their home country to cover their activities in the UK.
A member of an LTA registered place to play who lives permanently abroad will, however, be covered whilst they are in the UK and participating in the activities of their club.