What is Public Liability insurance?
Public Liability will cover your legal liability should a third-party be injured, or third-party property be damaged, through your negligence whilst training a client or engaging in your insured sport, and then that third-party wanted to sue you. This covers costs like compensation, court fees and solicitor fees. The injury or damage needs to have occurred during a match or training session that you took part in.
Below are four examples of why you might need Public Liability:
Example 1 - You’re coaching or instructing someone, and they injure themselves. They hold you responsible for their injuries and make a claim against you.
Example 2 - You’re a player (e.g. a football player), and you seriously injure another player when making a tackle, and they take legal action against you.
Example 3 - You’re a personal trainer, and the client you’re training damages gym equipment that doesn’t belong to you during one of your sessions. You’re held accountable, and a claim is made against you by the owner of the equipment.
Example 4 - You leave a kit bag lying around, and someone trips over it and hurts themselves. They hold you responsible for their injuries and make a claim against you.
What is Professional Indemnity insurance?
Whenever you purchase Public Liability insurance with Insure4Sport, we include cover for Professional Indemnity for FREE.
Professional Indemnity covers you if a client/participant seeks compensation in cases where you have given negligent advice which leads to a client/participant injuring themselves.
For example: if you have given incorrect advice to a client on how to use a piece of equipment, and that causes them to be injured when training on their own and they wanted to sue you for negligent advice.
