FAQ’S Are guests covered by the Civil Liability policy? Yes, Guests are provided with the Civil Liability cover whilst they are visiting the club as long as their names are recorded in the visitors’ book. (This is to ensure that if a claim arises you have a have a record of whether that Guest was actually there on the date stated on the claim form) Is the club covered if a guest has been injured as a result of the club being negligent? Yes, provided it is not a criminal or deliberate act. Are pay & play people covered by the Civil Liability insurance? If not does this jeopardise the clubs insurance cover? No, the Civil Liability Policy does not provide Insurance cover to pay & play people, however, this does not jeopardise the clubs insurance. If I am a Coach and I am employing an Assistant Coach am I covered by the Civil Liability? And do I need Employers Liability Insurance? The Civil Liability only provides cover to those coaches who run sole trader businesses up to a Turnover of £50,000. In consequence if you employ someone or your business Turnover exceeds £50,000 you will need to purchase separate Liability cover, this can be purchased from Perkins Slade Ltd. Yes, you are required by law to have Employers Liability insurance for people who you employ. However, people who you normally think of as Self- employed may be considered as your employees for the purposes of Employers Liability insurance. Whether you choose to call your contract a contract of employment or a contract for services is largely irrelevant. What matters is the real nature of your relationship with the people who work for you and the degree of control you have over the work they do. In general, you may need employers’ liability insurance for someone who works for you if any of the following apply - you have the right to control where and when they work and how they do it you supply most materials and equipment you have a right to any profit your workers make although you may choose to share this with them through commission, performance pay or shares in the company. Similarly you will be responsible for any losses. you deduct national insurance and income tax from the money you pay them you require that person only deliver the service and they cannot employ a substitute if they are unable to work they are treated in the same way as other employees, for example if they do the same work under the same conditions as someone you already employ. You may contact Perkins Slade Ltd on 0121 698 8050 for a no obligation quotation. We are a multi sports club are we still covered by the Civil Liability policy? A number of affiliated tennis clubs are multi-sports clubs. Civil Liability cover will operate for these additional activities whilst at the home club’s venue and at away matches unless more specific insurance cover is available via the applicable National Governing Body. However, insurers will not accept the following sports activities onto the LTA insurance policy: Football, Clay Pigeon Shooting, Rugby, Martial Arts (Karate, Judo, Kick Boxing, Jujitsu, etc.) Rowing, Sailing, Canoeing, Windsurfing, Scuba Diving, Horse Riding, any Airborne Sports, Rock Climbing/Abseiling, Bungee Jumping, Motor Sport, Potholing. Should you be in any doubt as to the cover provided for your multi-sport club, please contact Perkins Slade Ltd on 0121 698 8050. I am a Tennis Assistant, am I covered by the Civil Liability policy? Yes, if you are a member of the club that you are working at. You must follow the guidance set out by the LTA for Tennis Assistants. If a third party is hiring our club premises are we still covered by the Civil Liability insurance? Yes, the policy will provide cover to the club for your legal liability at law in respect of claims that are made for injury, loss or damage that arise out of an act of negligence on your part. The policy does not provide any form of indemnity to the hirers in respect of their own legal liability. The Civil Liability policy does not include Personal Accident cover nor cover for the club premises or contents, where can we purchase this cover? Can we include cover for Air halls and damage to the courts? You can contact Perkins Slade Ltd (0121 698 8050) for a no obligation quotation for Personal Accident. We also have a scheme with the Royal & Sun Alliance for the club premises & contents which can provide cover for airhalls and damage to the courts if required. Who is deemed to be a Volunteer? A volunteer in the true sense of the word is a person who voluntarily offers their services free of charge and is engaged by the Club/County. At club level this could be a person who is helping the club at a social event, helping with the refreshments. Volunteers are included within the Civil Liability cover. If our club employs an Independent Contractor to carry out some maintenance/ alterations at our club are we covered by the Civil Liability policy if the Contractor causes Injury or damage to a Third Party or their property? As the contractor is independent he/she should have their own third party liability insurance (Public Liability) so that if he/she injures someone or damages their property the claim would be picked up by his/her insurers. (We would recommend that the club requests sight of the Contractors Insurance) If however, the contractor were personally injured and decided to sue the club or a club member for the injuries sustained, the policy would indemnify the club or the club member in question. The situation would be different if he/she were deemed to be an ‘employee’ of the club, if this were the case then the Employers Liability policy provided by the LTA would respond to a claim that the contractor may make against the club in respect of injuries received due to the clubs negligence and the Civil Liability would protect him/her against his/her own legal liability at law for injury, loss or damage to a third party or their property that arises out of an act of negligence on his/her part. If our club employs a non licensed/ non qualified Coach are they covered by the Insurance? Unless the individual is an LTA qualified and therefore a licensed Coach no cover exists under the policy for claims that are brought against that individual. The club itself could be brought into an action and if it were proven that the club had been negligent in some way, then the policy would indemnify the club in respect of its legal liability at law. Is the club insured for letting their courts out to the general public? As long as the courts are under the constant supervision of a club representative, names & addresses of attendees and any incident appropriately recorded then the club will be indemnified by the Civil Liability policy. Please Note The above answers should not be taken as a substitute for the full policy wording. Please see the Policy itself for full terms and conditions. A full copy is available upon request from Perkins Slade Ltd on 0121 698 8050.