BRITISH LAND SPEEDSAIL ASSOCIATION – FREQUENTLY ASKED INSURANCE QUESTIONS
What type of insurance do we as members hold?
- Civil Liability Insurance, which includes
- Public / Products Liability, (damage injury to third party property/persons)
Plus the following cover excluded by standard liability insurances but is INCLUDED in the BLSA standard cover
- Professional Indemnity (for coaches advice),
- Directors and Officers Insurance (to cover decisions/actions of board members / committees),
- Libel & Slander (to cover web sites /publications etc)
It is important to realise that this cover pays for damage/injury to third parties in the event of LEGAL LIABILITY. To put it another way, if there is not any Legal Liability, the policy will not pay damages to injured “third parties”.
In what circumstances am I covered?
Regardless of the type of insurance, cover only ever applies whilst participating in activities regulated/authorised by BLSA. BLSA members also have individual cover that provides cover for them to take part in BLSA recognised activities that they are qualified for but are not BLSA regulated/authorised.
Whilst Participating in My Sport -if I injure someone who is not a member of BLSA am I covered?
The cover indemnifies you for any legal liability for injuries sustained to a third party, whether the Third Party is a member or not.
As a member of BLSA, am I covered anywhere in the world?
Civil Liability: For members of BLSA, Civil Liability cover is worldwide, however, cover is restricted in USA & Canada to the following:
- Individual Instructors visiting USA / Canada
- Teams visiting USA/Canada
- Individual members of associations visiting USA/Canada in connection with the association activities.
The only exception to the above, is in respect of Libel & Slander, where only actions brought in a court of law within Great Britain / Northern Ireland / Channel Islands / Isle of Man / European Community, are covered by the policy.
What Age restrictions apply?
Civil Liability: There are not any age restrictions