Club Insurance - Renewal 2020/21

Covid-19 and Club Insurance

EBU Club Insurance is due for renewal from the 1 April 2020. We are pleased to announce that the prices for the insurance and Marsh Commercial (formally Jelf Insurance) administration cost £7.50 remains unchanged from 2014.

Should you wish to amend your insurance cover please contact Karen Durrell karend@ebu.co.uk or 01296 317201.

With regards to Covid-19 and a possible free extension to the club insurance policy, Marsh Commercial have provided the following statement:

"As much as we would like to support the bridge clubs by extending the policy for free, this isn’t something that we as your broker can authorise and your insurance company are unable to agree to that either. This is because although the clubs may not have been meeting in their usual fashion to play, the insurance has still been in place and the insurers are still at risk of having to pay claims for damage/loss to contents & equipment through theft, fire and any other peril covered by the policy, then there is injury to third parties or members (even though reduced activity, this can still occur), damage to third party property which the club becomes liable for.
Clubs can rest assured that when they return to play, they will continue to benefit from their insurance policy in the same way as always – Covid-19 will not impact the cover. The public liability & employers liability sections will respond to events whereby the club or its members are found to be legally liable following a negligent act."

Level of Cover Contents/All Risks Sum Insured Money Sum Insured Public Liability Limit of Indemnity Employers Liability Included Business Interruption ICOW Only Total Premium* inc IPT and Fee
Public Liability Only - - £5M - - £63.50
Tier 1 - Premium Schedule £4,000 £500 £5M Yes £2,500 £74.70
Tier 2 - Premium Schedule £8,000 £500 £5M Yes £2,500 £138.09
Tier 3 - Premium Schedule £12,000 £750 £5M Yes £2,500 £179.72
Tier 4 - Premium Schedule £16,000 £750 £5M Yes £2,500 £221.99
Tier 5 - Premium Schedule £20,000 £750 £5M Yes £2,500 £264.25

*pro rata rate applies

The insurers have also agreed to offer a discounted rate to increase the money sum insured section for whichever clubs chooses to do so.

Additional Money Cover Money Sum Insured Additional Cost on Top of Total Tier Premium
1 £1000 £16.80 additional
2 £2000 £28.00 additional

Reminder

The Employers Liability insurance guidelines require that all insurers who provide Employers Liability need to collect the individual PAYE number or Employers Reference Number (ERN) that is allocated to every registered employer.

If your club operates a Pay As You Earn (PAYE) system to collect Income Tax and National Insurance, Marsh requires your PAYE or ERN (Employers Reference Number) number.   For more information and here is the link to the HMRC website (http://www.hmrc.gov.uk/paye/index.htm ).

We would like to take the opportunity to remind you that Marsh are independent insurance intermediaries and as such act on your behalf when arranging insurance. As always, should you have the need to claim or have any general insurance queries please contact Marsh Commercial, Paul Killinger T: 01844 211871 M: 07585 803158 | paul.killinger@marshcommercial.co.uk

Example policy documents