What insurance is on offer for the 2024 season?

Modified on Tue, 21 May at 12:36 PM

UKGlobal Insurance 2024 - 25

Liability Cover

The Liability cover will continue to be purchased by the clubs at the point of affiliation at a cost of £25 per club. There has been no change in the cost from last season.

The Liability cover complies with the minimum requirements of The Football Association in protecting the County and all its members in respect of their liability to third parties for death, bodily injury or property damage arising from negligent acts. Claims examples include injury from goalposts/ crossbars, spectator facial injuries, glass & sharps, slipping & tripping, road traffic accidents from stray footballs.

The Liability cover also includes legal defence costs up to £250,000, to defend a player accused of negligently injuring another player, provided there is a reasonable prospect of successfully defending the action or prosecution. The policy does not provide cover for awards for damages made to a player injured by another player. For obvious reasons it excludes reckless or wilful breaches of duty which are regarded as deliberate acts of violence. It is not in the public interest or that of Football in general to defend anyone that commits such an offence. If a player is guilty, they should not receive financial protection and they should be responsible personally. The Personal Accident cover benefits should protect the injured player/party.

IMPORTANT – CLAIMS OR POSSIBLE CLAIMS NOTIFICATION

It is important for clubs to be aware that cover under the Professional Indemnity, Directors & Officers and the Abuse extension under the Liability policy is provided on a ‘claims-made’ basis. If any club or its’ officers are aware of any circumstance that might give rise to a claim, the matter should be notified to UKGlobal as soon as possible and along with any other incidents, before the end of the current period of insurance, i.e., 30^th June 2024. This is very important as it is the insurer on cover at the time the claim, or possible claim, was first made or notified to the club or one of its’ officers, that pays the claim. If there is something relevant to discuss and you would like some advice on it, UKGlobal are happy to discuss it with you. In summary, if a club is aware of a possible claim and fails to notify the current insurer (Sportscover), the claim will not be paid by the new insurer.

Grassroots Clubs

Please note that the Liability cover is only available to clubs and teams participating at Steps 5 and below. If your club or one of its teams plays at Step 4 and above, please contact UKGlobal as they can provide a separate quotation.

Contract Players

Clubs that have players who are on a standard FA contract basis could find themselves legally liable for negligent acts committed by those players as the wording of the contract states that the contract player is an employee of the club. If your club has any players on any kind of contract basis, please contact the team at UKGlobal to discuss and UKGlobal will advise and assist you further.

Premises & Property Owners Liability

The Public Liability coverage provided by the policy is not designed to provide insurance for clubs that have their own Freehold or Leasehold premises with obligations to fully repair and maintain the facility. The policy is designed for clubs that rent or have the use of municipal and similar facilities. For clubs with their own facilities, Property Owners and occupiers’ liability exposures should be covered under a more specific policy, such as a Commercial Combined or Property Owners policy.

If for any reason a Club that owns its own facilities is unable to obtain this cover at a commercially viable cost as part of a Commercial Combined package that usually offers cover for their Property, Revenue, Employers Liability etc, UKGlobal do include an option to purchase a Property Owners Liability extension to the Liability policy which will be available through UKGlobal direct.

The additional premiums for this Property Owners Liability extension are:

Club Revenue:	Premium:
Up to £30,000	£89.00
£30,000 - £75,000	£189.00
£75,000 - £150,000	£336.00
Exceeding £150k	Price on application

The above premiums are inclusive of Insurance Premium Tax @ 12%

Clubs are encouraged to contact UKGlobal to discuss any questions they may have and receive advice on their specific requirements. UKGlobal can offer cover to include buildings, contents, playing surfaces, sports equipment, floodlights, trophies and field machinery, loss of revenue and full Employers, Public, Products and Property Owners Liability arising from the ownership and operation of such facilities.

Personal Accident Cover

The scope of cover for Personal Accident benefits is outlined below, complying with the minimum requirements of the Football Association for both Youth and Adult teams, and meeting Manchester FA’s mandatory minimum level of benefits.

The premium for the Youth teams has remained the same as the previous two years, i.e., £17 per team.

The Adult Personal Accident packages have reduced in cost marginally. We would like to encourage clubs/teams to look at and discuss the needs of the individuals within a team. Whilst an employed person may continue to be paid by their employer in the event of a footballing accident, a self-employed person may not have that safety net and will almost certainly benefit from a higher weekly sum.

These packages (Superior 30, 50, 75, 100 and 150) are available at affiliation on the Platform for Football (PFF) or following direct discussion with UKGlobal. It is important that the needs of all players are met, so the different options available should be discussed and considered with the help of the team at UKGlobal.

Details of the packages available are provided on a separate document.

All premiums are inclusive of Insurance Premium Tax @ 12% and fees.

Contact details for UKGlobal: