Association and Officials Liability
Office Bearers of clubs and community groups do not often appreciate that in undertaking their duties they also assume potentially large personal liabilities. These liabilities are incurred through the conduct of the Association's activities or the provision by the Association of services, and for the Wrongful Acts (alleged or otherwise) of Officers whilst acting on behalf of your organisation.
In certain circumstances such Officers can be held personally liable for the debts of the Club or Group they represent.
This policy will provide an indemnity to the Association (club or community group) and its Committee Members, Officials and/or Officers in respect of claims made against them jointly or individually arising from any “Wrongful Act” committed or allegedly committed by them in their capacity as an Office Bearer of the club, association or community group.
IMPORTANT INFORMATION
This policy is a “claims made and notified” contract of insurance.
Association and Officials Liability, Professional Indemnity, Directors’ and Officers’ Liability, Trustees’ Liability, Products Tamper, Legal Expenses (and sometimes General and Products Liability) policies are examples of policies issued on a “claims made” basis.
This means that the policy covers you for claims which are made against you and notified to the insurer during the period of cover, irrespective of the date when the cause of action may have occurred.
The policy will not respond to:
- acts or omissions giving rise to a claim which occurred prior to any retroactive date stated in the policy;
- claims or circumstances known to you or notified to an insurer prior to inception of the policy;
- circumstances notified after expiry of the policy;
- claims notified after expiry of the policy.
Claims notified after expiry of the policy may be covered (at least in part) in some circumstances however we strongly recommend that you implement a programme to ensure that all claims are identified and notified immediately and within the policy period to avoid difficulties.
Where you become aware of facts or circumstances that might give rise to a claim against you, you should forward to us a notice in writing outlining those facts or circumstances as soon as reasonably practicable and before expiry of the policy period. We will forward the notice to the insurers on your behalf.
Where such notice is given, the policy will, subject to its terms and conditions, cover you notwithstanding that a formal claim is not made against you by the third party until after that particular policy of insurance has expired. Delay in notifying the insurer or failure to provide all relevant facts could result in the claim being denied.
Association and Officials Liability Insurance Policy
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View Association and Officials Liability Insurance Policy (253KB)
This description is issued as a matter of information only and for full terms and conditions you should refer to the policy wording.
We accept no responsibility whatsoever for any inadvertent or negligent act, error or omission on our part in preparing these statements or for any loss, damage or expense thereby occasioned to any recipient of this letter.