Little League Football Officers' Manual

09 INSURANCE

Refer to

• If any child has a serious medical condition, you must obtain a doctor's letter confirming that "s/he may take part in any LLF activities." (N.B. not just "play football").
  Children must not play against doctor's advice.

• If you are planning a trip abroad, please contact the Administrator.

• The upper age limit for players is 'Under 14'. There is no lower age limit.

Public Liability Insurance
This covers the risk of being sued for negligence if there is an accident. It is vital because we do not have 'limited liability'. Without this insurance, any award of damages would come first from League funds, and if this was not enough, from the pockets of the Committee members.

You are covered for all activities organised by the League, including football matches (including friendly and practice games), fundraising, social events, training, trials, food and drink, member to member liability, committee meetings, subject to certain limitations (see below).

The limit of cover is £5 million. There are no age limits for adults.
Cover is worldwide, but may be insufficient for North America.
Certificates can be supplied if required for your local Council.

The following are some of the items that are not covered under our public liability insurance: -

• Paid referees - who need their own professional indemnity insurance.

• Soccer schools or other training where there is a charge to the children, or a fee paid to the instructor. (N.B. We are covered where only the cost of hiring training premises is charged.)

• Libel or slander (e.g. defamatory comments in a newsletter)

• Events including the use of mechanically propelled vehicles, watercraft, horses or fireworks.

 

Personal Accident Insurance
This policy can provide cash for a player, committee member or other insured helper who is killed or injured at a game or other organised Little League Football activity. The payout is limited as follows: -

Managers' Accident Fund
This fund is now 'self insured' and provides a weekly benefit for insured adults (not children) who are off work for at least two weeks following an accident arising at a Little League Football activity. The benefits are discretionary. Cover is worldwide.

The Trustees are, at present:
Tony O'Loughlin of Handsworth LLF (Treasurer)
Brian Pattison of West Sutton LLF (Claims Officer)
Dave Canham of Wimbledon LLF (Secretary)

Other (Optional) Insurances

All risks insurance can be arranged to cover your equipment, cafeteria supplies, public address systems, memorabilia (excluding trophies) and possibly other items by special request (e.g. marquees). The cover is not 'new for old' so items should be insured for their secondhand value, but you must insure all of them - not just some of them. The equipment must be kept in a locked building of substantial construction when not in use, or locked in a secure compound.
The first £25 of each claim is not paid. Cover applies in the U.K. only.

Money insurance covers the risk of up to £1,000 of your funds being stolen, and provides further personal accident benefits of £5,000 capital sum or £50.00 per week following hold up/assault. It does not cover the dishonesty of an official, unattended money (unless in a locked building), or losses abroad. The maximum amount covered in an official's house is £250.00. Cover applies in the UK only.

Who is insured? League Secretaries are sent a form each summer to declare the number of players, committee members and other adult helpers (including referees) during the last season, and an estimate for the season to come.