Liability cover for running clubs
If you operate a running club, protecting yourself for Public Liability claims should be an important consideration.
Should you be sued for injury or damage caused to a member of the public or their property, you could be left open to costly settlements. With our running club insurance in place, these costs could be taken care of.
Our policies include Public Liability as standard but also allow you to add on Employers’ Liability and equipment cover as needed to provide you with full protection.
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What insurance do you need?
There are three main areas of cover to consider when managing a running club.
If a third party, be it a member of the club or the public, hurt themselves and blamed the club for the injuries caused, having Public Liability covers the club. Without this in place If the club is deemed to have been negligent, it could result in having to pay out a court settlement. However, if you have taken out our running club insurance, not only is the settlement covered, but also the costs associated with defending the club including solicitors fees.
You are also covered if the club’s actions are blamed for any third party property damage caused. As with injuries, defence costs and court settlements are taken care of by your policy.
If you employ any members of staff, Employers’ Liability is a legal requirement. Having it in place will cover you if a member of staff, be it paid or voluntary, were injured or suffered property damage as a result of the club’s actions. If they opt to sue the club, like with Public Liability cover, the defence and settlement costs will be taken care of.
You may wish to add equipment cover to your insurance policy. This will ensure that any items you use to operate your running club are protected should they be damaged or stolen. In either instance we would cover the costs of repairing or replacing the lost or damaged equipment.
We offer multiple payment options at Protectivity, so paying for your insurance policy couldn’t be easier.