As part of your membership to BKSA you automatically receive the benefit of the association’s Public Liability and Group Personal Accident insurance.
To understand what these covers are and to see the main terms and conditions that apply please make sure you refer to the policy summary and policy wording. Find relevant documentation below:
- Liability Insurance Summary
- Personal Accident Summary
- Liability Policy Wording (dated 2015 but remains current)
- Personal Accident Policy Wording.
In simple terms, the Liability insurance policies will cover
- Public Liability
Cover for clubs and/or members if they are found to be legally responsible for causing bodily injury to third party (such as a member of the public or another member) or for damage to a third party’s property.
- Professional Indemnity
Cover to protect a BKSA affiliated club or coach for claims made against them which allege that a third party has suffered an injury or financial loss caused by a negligent acts, errors or omissions during coaching activities that were provided in return for a fee
- Employers Liability
Provides cover in respect of claims made against the BKSA affiliated club for injuries caused to an employee of the club arising out of and in the course of their such employment (including volunteers)
- Officers & Committee Liability
Provides cover for claims made directly against individuals at a BKSA affiliated club e.g. officer, committee member, director and/or trustee for alleged wrongful acts in connection with the club affairs.
Alongside the Liability insurance we have arranged cover for members if they are accidentally injured when participating in a sanctioned activity or event, or whilst taking part in a club organised training activity. The covers also apply during a club organised social event.
For copies of any of these documents or if you have any queries about the cover please contact our brokers, Bluefin Sport 0345 872 5060
When does the cover operate?
Both the Liability and Personal Accident insurance apply when a member of BKSA is participating in any of the following activities, Power Kiting, Kite Buggying, Land Kite Boarding, Kite Skiing, Kite Surfing, Kite Foiling, Wing Foiling Snow Kite Boarding and Kite Cats. Cover will also operate during a social event organised by BKSA or your affiliated club.
Our annual policies run from 1 February to 31 January
The policies’ limits are as follows:
Public Liability – cover for your legal liability of up to £10M
Professional indemnity – cover for the club’s or instructor’s legal liability of up to £5M
Employers Liability – cover for your legal liability of up to £10M
Directors & committee liability – cover for a club official’s legal liability of up to £5M
These limits apply to an accidental injury caused whilst the policy operates (see above)
- Accidental Death £10,000
- Permanent total loss of sight of one or both eyes £10,000
- Loss of one or more limbs £10,000
- Permanent total loss of speech £10,000
- Permanent total loss of hearing in one ear £4,000
- Permanent total loss of hearing in both ears £10,000
- Permanent total disablement £10,000 (other than loss of sight, limb, speech or hearing)
The level of cover purchase by BKSA for its’ members does not include a weekly payment and the policy is not designed to replace your usual income in the event you are unable to work following an accident.
It is important that all incidents that may give rise to a claim, however minor, are reported to our insurance broker Bluefin Sport as soon as possible after the event.
Please email all incidents to [email protected] or telephone 0345 872 5060 to report this directly to our brokers.
Bluefin Sport are specialist brokers in the world of sport Bluefin Sport are specialist brokers in the world of sport and can provide a wide range of products and services. Contact us on 0345 872 5060, email [email protected] or visit www.bluefinsport.co.uk.