Public Liability

This recognises that any club who joins Triathlon England could be found negligent in their duty to members, participants, spectators, facility providers or the public and as a result be held legally liable for accident, injury or damage to property or individuals. This cover is important because if the club is found to be liable, it may be possible for the damages to be recovered from any/all club members. 

Clubs are insured for Public Liability to a limit of £10 million per incident.  This includes claims arising from club activities while at home or abroad, social functions/meetings, sporting activities of swimming, cycling, running, transition and core strength training, triathlon, duathlon and related multisport events, such as aquathlon and cross triathlon. 

It is important to note that the insurance covers a club's legal liability and legal costs and expenses in the event of negligence only, and does not cover deliberate acts of the club. 

Committee members and officers (which for this purpose includes all individuals acting on behalf of the club in any capacity) who are individual members of Home Nation Associations are covered for their own negligence in relation to activities covered by this section. 

Clubs are insured against liability caused by their negligence in organising races. This is conditional on the races being registered with a Home Nation Association if the events are open to non-members. This cover also protects organisers, race officials and volunteers involved in delivery of these events organised by the club for their own negligence in discharging those functions even if those individuals are not themselves individual members of a Home Nation Association. 

Directors and Officers Liability

Committee members and officers also have the benefit of "Directors and Officers" insurance, which gives cover in the event of acutal or alleged mismanagement or a breach of fiduciary duty. Please note that this will not give any cover in respect of an individual's own dishonest or fraudulent actions. 

There is an aggregate limit of £100,000 on this aspect of the policy, recognising the relatively small amounts of money handled by these organisations). 

Principle Exclusions

• Property in control or charge of the club
• Ownership or use of vehicles
• Liabilities assumed under agreements/contracts
• The first £250 of each claim (the policy excess) which the individual club is required to pay