Cricket Club Insurance
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Please find attached the latest insurance information from Marshall Wooldridge, Extra Cover, the Official Insurance Scheme for The ECB. In the light of many previous challenges and recent flood damage faced by cricket clubs the ECB are keen to ensure that all affiliated clubs are adequately insured and at the best available rates. With this in mind please read below and attached information. Cricket clubs will/may have their own insurance arrangements but the ECB wish to advise all clubs to check their current arrangements with their insurance company are adequate for todays needs.
Public Liability Insurance covers the Legal Liability of the Club to pay compensation to members of the public where bodily injury or damage to their property is caused in connection with club activities. Without this the cover clubs would be faced with the cost of the award of damages itself. Members of the Club personally stand to lose their home and assets, so why take the risk? It is a requirement of ECB that all clubs transact this important cover.
Directors and Officers Liability Insurance provide the directors, officers and trustees of the club with protection against civil or criminal lawsuits and regulatory proceedings. Without this cover members are placing their personal assets at risk. The cover provides a pool of money that can be drawn on to fund defence and settlement costs and pay for the costs of legal representation at investigations.
Personal Accident cover provides set benefits to all members of the club and whilst serious injuries are thankfully very rare there have been occasions where a player or official have suffered serious damage to their eyesight and even fatal accident.
Self-Employed and other Members who do not benefit from a workplace sickness scheme should ensure that any personal accident/sickness insurance they have arranged individually includes the playing of Club Cricket
The increasing trend of large Arson, Theft and Weather related claims makes it more important than ever to ensure your sums insured are adequate. Under-Insurance will lead to the total sum insured being insufficient to meet the costs of rebuilding and replacing contents/ground machinery. Ultimately this may lead to the demise of the club
Club Insurance Brochure
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