mitigation measures is required. For and vulnerable adults and ensure it
example, sports clubs should consider is a fundamental part of any risk
implementing regular inspections of management programme.
sports equipment and facilities through Operators of sports clubs have had to
a daily safety checklist. Facilities with wa- cope with an increasing number of risk
ter storage systems should use an expert issues in recent years and there’s no sign
contractor to monitor the potential for of the list receding. However, by having a
an outbreak of legionella. clear understanding of their responsibili-
ties and obligations to their stakeholders,
Safeguarding children
M
O and by making risk management part of
.
C
and vulnerable adults
O
T their day to day activities, sports clubs can
O
One area that clubs need to manage P
H
improve their operating performance and
K
closely relates to the safeguarding of
C
O
stay at the top of their game. ●
children and vulnerable adults. Clubs
S
T
: I
should develop and implement a
P
I
C
Richard Tolley is a senior vice president
safeguarding policy for facilities Clubs should implement a safeguarding in Marsh’s Global Sports and Events
where adults work with children policy where adults work with children Practice
Richard.N.Tolley@marsh.com
INSURANCE FOR SPORT
I
nsurance is an essential requirement when protecting To ensure that you have the right cover we would recom-
individuals and organisations in this increasingly litigious mend speaking to a specialist insurance broker. An indepen-
age. It’s important to note that some insurance is compul- dent insurance broker will provide you with the correct cover
sory by law or by affiliation to particular sporting bodies. and be available to help you throughout the year.
Unfortunately insurance can be full of its own peculiar rules The following is a summary of some of the more commonly
and penalties so it is worth taking it seriously if you are to requested insurances. (Information supplied by Mann
avoid the traps and bunkers. Broadbent.
www.mannbroadbent.co.uk)
Public Liability This will cover you for injury to members of the public or damage to their property. Cover can
sometimes be extended to include player to player or member to member claims
Products Liability This will cover you for injury to members of the public or damage to their property caused by a
product you make or supply, this includes food and drink
Employer’s Liability If you employ anyone (including part-timers and unpaid volunteers) the law requires you to have
this insurance which covers you for injury to employees
Buildings, Contents, This can cover you for eventualities such as theft, fire or storm, etc. Cover can be extended to
Kit and Equipment cover equipment worldwide if required. You may also wish to include goods in transit and money
Business Interruption If your buildings, contents, kit or equipment are damaged, then business interruption insurance
can help reduce losses by paying for lost income and alternative premises and equipment rental
Professional Indemnity This covers you should you be accused of giving incorrect advice or making an error or omission
Directors and Officers If you are a limited company or a committee then this is designed to protect individual directors
(committee members/trustees) or committee members should they be personally accused of failing in their duties
Personal Accident and Illness This will pay a weekly benefit following injury or illness, or pay a lump sum following permanent
disability or death. Policies can either benefit individuals or the club/organisation
Travel This can cover things such as cancellation, baggage, delays, medical expenses or repatriation, etc.
Tour Operator’s Liability If you are organising travel and accommodation then you may fall within Tour Operator regula-
tions, which may legally require you to take insurance and/or a bond
Kidnap and Ransom This insurance will pay for a negotiator and the ransom as well as other essential services
Issue 1 2010 © cybertrek 2010 Read Sports Management online
sportsmanagement.co.uk/digital 73
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