You may ask why the club would need insurance. Surely the club is covered by the insurance of the owners of the venue the club plays at? Unfortunately, this is often not the case or only partly the case. In many situations such insurance only gives limited cover and would probably not cover the club's equipment and property such as tables, bidding boxes, electronic bridge scorers, computers, etc., not to mention table money collected but not yet paid into the bank.
The club could be liable for accidents which might happen while the club is using the premises. This might be something simple like someone tripping over a handbag and breaking a leg, or a member being scalded by boiling hot water from a kettle. In an increasingly litigious world, it’s wise for the club to have insurance against such eventualities. Not only a club but also its committee members (and any trustees) could be held personally liable for accidents, libel and slander by members and even assault by one member on another.
The EBU has used its bargaining power to arrange group insurance for affiliated clubs through the EBU's own insurance broker, Marsh Commercial. This insurance is available in set levels of cover, from standard which is for public liability only, up to Tier 5 which includes cover for money, employers liability and business content. The standard policy covers public liability whereas the premium policy adds cover for money, employer’s liability and business contents, with different tiers available for increasing sums covered. If you’re interested in these policies, please consult the club insurance page.
Taking or renewing a policy
The business interruption section covers additional rent (up to £2,500 over a year) in respect of the renting of alternative premises following damage to a club's usual premises, which could make all the difference between a club in this situation folding or continuing.
The cost of insurance under the group policy is small compared to most clubs' total income and expenditure. Having insurance in place, can provide peace of mind and enable a club to continue operating following an insured loss
To take out or renew your policy call the EBU office on 01296-317200 or email Karen on email@example.com.
For the latest policy documents and policy prices, see the Club Insurance Renewal page.
Should you have any general insurance queries the EBU office on 01296-317200 or email Karen on firstname.lastname@example.org.