Cover is provided for:
The Liability insurance includes cover for:
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.
There are exclusions and limits against these policies as set out in the policy document.
Please click here (PDF) for guidance if you are planning or hosting a bonfire and/or firework display.
The Limits of Indemnity provided under each section of cover are:
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.
Where a registered place to play is a court (or courts) witnin a local authority owned park it is the primary responsibility of the local authority to arrange its own insurance.
Where these courts are used for a LTA recognised coaching programme, the place to play is covered whilst this coaching is taking place, and only in respect of the tennis activity itself. At all other times, and in respect of non-tennis activity at all times, the responsibility remains with the local authority and it should have insurance arranged to cover this.
Protection is provided for a wide range of activities related to the place to play, including:
Any self employed coach will not be covered by the Place to Play insurances but if LTA Accredited+ they will be covered for tennis activity by the LTA Accredited+ coaches cover.
Yes, if you are a members club or are carrying out these activities as an LTA Accredited or Accredited+ coach. If you are a commercial centre, local authority venue or education facility you should arrange your own insurance cover for all your activities.
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.
Cover is provided for all racquet sports (including general physical training for tennis) and other 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 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 coaches who are appropriately qualified.
If the club is contracting an external coach or personal trainer to deliver non racket sports sessions it is essential that the club ensures that this 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 and the club should confirm the appropriateness of the cover by obtaining a copy of the instructor’s insurance documents.
No, there is no excess to pay in the event of a claim.
Yes, the place to play is covered for any of its teams or players playing or training at grounds away from the place to play.
Yes, the policy will provide cover to the place to play 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 place to play 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 place to play, it is the place to play'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 which 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 teh 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.