Public Liability cover.

This covers the club if it is liable at law and the FA make this a compulsory requirement.

The club and its members are covered for a range of things but the most common claims come from acts of negligence arising out of poor maintenance of training or match equipment including defective goals or poorly maintained pitches. The other things we get protection against is reckless behaviour e.g. injuries to the players for training in dangerous conditions. This also provides cover for the club if we are sued at some time in the future –e.g. allegations of child abuse. Thankfully it is rare for voluntary clubs like ours to be sued and the cost of this cover is small but this covers the cost of defending any claims against us or our members.

Personal Accident One off payments

This covers individual members and officials for the loss limbs, eyes, broken bones, death and permanent disability. The level of cover varies between adults and Youth but players and officials are covered in training, matches and travelling for the club.

Permanent Total Disability 
Loss of the sight (one or both eyes)
Loss of a limb (s)
Death  adults
Broken Arm or leg  
Broken Collar Bone
Broken Hand or foot
Emergency dental treatment
If you are in Hospital - for each day 

Adult Members

£15,000
£15,000
£15,000
£10,000
£150
£75
£50
£100
£20

Youth Members

£10,000
£10,000
£10,000
  £5,000
£150
£75
£50
£100
£20

Personal Accident weekly benefits

This insurance is only available to adult teams as it is designed to soften the blow of not being able to work because of your disability. Most injuries are stable after 2 weeks and many people are able to get about after this time and the insurance is not designed to pay out for this. However if the player is able to show they are temporarily disabled after 2 weeks they get £50 a week benefit – but only starting in week 3.