Throughout the year, sports associations and clubs organize a multitude of events, in which many people take part, either in organizational work or by participating in the activities.
Let’s see how they can ensure that their assets do not suffer from possible claims that may arise from some mishap.
Civil Liability Insurance for Sports Club
This insurance protects clubs and associations, as well as their members, for any claim derived from the CR that arises in relation to their activities.
Which cause direct personal or material damage, as well as for economic damages involuntarily caused to third parties ( including the partners themselves).
It also covers public liability that includes damage to property resulting from the activities of a group or organization.
This policy does not cover, however, the activities in which specific insurance is required by legal regulations, such as the launching of fireworks, which requires having a specific product for the pyrotechnic display.
In which cases is Civil Liability insurance necessary for a sports club?
Law 10/1990, of October 15, on Sports establishes that all federated athletes who participate in official competitions at state level must have compulsory insurance against health risks derived from the corresponding sport modality.
This health insurance is the only one that is mandatory for sports clubs. However, the RC insurance, although it is not determined by law, is highly recommended.
Since they carry out activities, for the most part of an active nature, in which many people are involved, which increases the possibility of some kind of accident occurring. incident that affects third parties and that those affected end up claiming some type of compensation.
Of course, in the event that the club is the organizer (not a mere participant) of a test, competition or sporting event.
It does have the obligation to take out RC insurance that covers the claim for damages caused during sports practice to which they intervene in it or witness it, provided they are attributable to improvidence, negligence or breach of obligations.
Civil Liability Coverage for Sports Clubs
The main coverages that make up this type of insurance are compensation to those affected by acts in which the sports club is civilly responsible and legal defense expenses in the event that the incident is prosecuted. But they are not the only coverages contemplated.
Among the most frequent are:
- RC Exploitation, for damages derived from the activity itself.
- RC Employer, for damages derived from a work accident.
- RC Inmobiliaria, for material damage to owned premises.
- The ownership, lease or usufruct of land, buildings, premises and facilities dedicated to the insured activity.
- The constitution of the judicial bonds required of the insured to guarantee his civil liability.
Advantages of the Civil Liability Insurance for Sports Clubs
Markel’s RC insurance for associations and clubs insures these entities for any event or social, recreational and sports activity that is organized or in which they participate.
This includes damage to third party property or injury to other persons, or loss for goods delivered, errors or omissions, advice, cross liability from member to member, trespass, defamation and slander.
It also includes liability as owner or occupier of a club used as accommodation.
This policy also incorporates the responsibility as owner or occupant of a club used as accommodation. In addition, all members of associations or clubs resident in Spain are insured for liability claims made by third parties of the same club.
Other coverages included in the Markel policy are:
- Bodily and accidental damage to third parties and/or damage to the property of third parties arising from your insured activities. Coverage for bodily injury claims, after the negligence of the coach or instructor, is covered by this section.
- Accidental bodily injury to third parties and/or property damage to third parties arising out of any goods or services sold or supplied by you.
- Financial or other loss, derived from errors or omissions. For example, bad advice, instruction, training, or lack of action.
- Protection of the president, officials and senior managers against claims arising from their decisions or actions taken while running the organization.