A comprehensive list of frequently asked questions are listed below.
If you have a query not covered by the list below please contact Howden by email or call 0121 698 8051.
In addition to recognised England Handball activities, clubs are covered for all activities typically associated with the running of a club, including administration and social events.
Combined Liability Insurance provides for legal liability following negligence, nuisance or trespass. Unlike other liability insurances, it not only covers Public Liability, but also includes cover for the following, which are excluded from other providers standard covers:
In the event of a claim the limit of indemnity is the maximum the policy will pay. The Combined Liability policy provides the following Limits of Indemnity:
Please note Director’s & Officers’ cover is costs inclusive.
Howden believe that £10 million is the appropriate amount of cover to provide clubs and members with peace of mind in the event that an individual is held responsible for causing a catastrophic injury. Claims involving sports injuries have exceeded £5 million in recent years, with court awards escalating annually.
As a committee member you have a personal liability in respect of the management of your club, particularly if the club is unincorporated. Combined Liability insurance provides Directors’ and Officers’ cover in order to protect you if you are sued for negligent decisions.
Cover is provided specifically to protect club officials and committee members.
This is a separate insurance required in the event that an employee is injured and claims compensation against the club. In general, you may need Employers' Liability insurance for someone who works for you if any of the following apply:
Under British Law, you can still be called an “employee” even if you are not paid. Our advice would always to take out Employers' Liability insurance.
Employers' Liability protects the employer in the event of an injury to an employee, for which the employer is liable, e.g when the employee sues the employer. Employers' Liability could apply to clubs who employ coaches or volunteers to work on their behalf.
Public Liability protects a club/member/volunteer if another member, or a member of the public, sues them for injury or damage caused.
Individuals who may be interested in joining a club are insured for a maximum of 4 initial “taster” sessions.
For indemnity to apply it is essential that the club records their name, address and dates of attendance. These details must be retained as they may be called upon in the event of a claim. The individual must be a member from their 5th visit.
Failure to do so may mean that the insurance will be invalidated in the event of a claim.
Liability cover is provided for trips abroad that are authorised/recognised by England Handball.
Please note this is not a Travel Insurance policy, cover for which can be obtained from Sport Travel Insurance.
No, it is essential that you take out travel insurance for all members of your party travelling abroad. To obtain a quotation for travel insurance that will include cover whilst you are competing, please visit Sport Travel Insurance.
Insurance cover is only available to members who have a permanent UK address. Such members are covered for their liabilities in terms of recognised activities in both the UK and overseas, provided that any overseas trip is officially recognised/authorised by England Handball.
Any member permanently living abroad is not covered.
Please refer to the policy wording for a full list of the exclusions.
There is no age limit.
Yes but only for legal expenses for defence of combined actions.
There are no excesses.
You should immediately record all relevant information as outlined in the Notification Requirements.
If there are verbal or written allegations made against your club, you should complete the Incident Notification Form to notify Howden Ltd of the incident.
We would remind you that in NO circumstances should you admit liability or agree to pay for any damage caused as this may prejudice the position of Insurers and COULD result in the withdrawal of any indemnity.
Please note that this is a Liability Policy where the courts decide if negligence attaches to you. Therefore any payments you make to any third parties will not necessarily be reimbursed.
No, if you are injured you may wish to seek legal advice on how to pursue a claim against the person(s) responsible for causing the injury.