Basic Public Liability Insurance for Member Clubs and Societies
Premiums 2024:
- Basic Policy £75
- Combined including Extended Product Liability £131
Basic Policy
The policy, offered for many years, includes Public Liability Insurance, Employers Liability Insurance and Product Liability Insurance – all three included in one policy at a standard cost no matter the size of your club.
Public Liability covers claims brought against you by members of the public or visitors who have suffered an injury or loss or damage to property as a result of negligence on the part of your group, Organisations that take part in public shows, for example, are often required to have PLI cover of at least £5,000,000 and even groups running private meetings should cover themselves against claims from their members.
Employers Liability may at first seem superfluous as few of us employ staff, but this covers in respect of claims made for injury, loss or damage suffered as a result of negligence by anyone working for you, including volunteers.
For most clubs the Products Liability cover is limited to refreshments served at meetings because there is an important paragraph in the Legal Liabilities (Additional Endorsements) contract which states Product Liability will be restricted to the sale of food and drink intended to be consumed on your premises.
- Includes Public and Products Liability Limit of Indemnity: £5,000,000
- Employers’ Liability Limit of Indemnity: £10,000,000
Extended Products Liability
Increasingly we are catering for community groups selling produce intended to be taken away from the site. To cover for these sales, we have added an option to extend the basic PLI policy and add a paragraph specifically to cover sales of items to be taken off site. Again, there is a standard price no matter the size of the club, which includes Extended Products Liability with the Basic policy.
- Products Liability covers items intended to be taken away from the place of sale and the Indemnity Limit is £5,000,000.
Property Insurance
Finally, there is an option for Property Insurance. Unfortunately, insurance companies will not give a standard price for all clubs as they do with PLI, and ask for individual applications and give individual quotes. We expect, however that quotes will be competitive. There is a form on the website to apply for a quote with no obligation (and no need to hold the PLI policy to apply for Property Insurance).
Got to the Members Only Area for further information and forms.