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Explaining Public Liability and Professional Indemnity cover

Public Liability insurance is defensive cover that protects a member if they cause an accident injuring or damaging someone else or someone else’s property. This only applies if the member is legally responsible for the accident. Compensation is paid from the insurers to the person pursuing the claim with the injury/damage so the member does not have to pay. The member will only pay the excess of £250 if a claim for damage to property is successfully made against you.

 

Coaches Only: Professional Indemnity cover

Professional Indemnity insurance is defensive cover that protects coaches who provide advice or a service to their customers (in this instance, individuals training towards a triathlon goal). It protects coaches against legal costs and claims for damages to third parties which may arise out of an act, omission or breach of their professional duty in the course of their coaching. This only applies if the coach is legally responsible for the accident directly or indirectly through their coaching instruction. Compensation is paid from the insurers to the person pursuing the claim with the injury/damage so the coach does not have to pay. The coach will only pay the excess of £250 if a claim for damage to property is successfully made against you.

 

What level of cover do you get when you buy:

  • A Day membership – £15m public liability cover - this covers you for the event only
  • Essential membership – £15m public liability cover - this covers you 365 days a year, 24 hours a day only when training in Britain towards a triathlon goal
  • Core membership – £15m public liability cover - this covers you 365 days a year, 24 hours a day only when training in Britain towards a triathlon goal, racing in Britain at a British Triathlon Permitted Event, and racing abroad*** only at ETU or ITU Championships**
  • Ultimate membership – £15m public liability cover - this covers you 365 days a year, 24 hours a day only when training in Britain or abroad*** towards a triathlon goal, racing in Britain at a British Triathlon Permitted Event, and racing abroad at ETU or ITU Championships or ITU sanctioned events, IRONMAN, Challenge, XTERRA events**
  • Core Coach membership – £15m Public Liability cover - this covers you 365 days a year, 24 hours a day only when training in Britain towards a triathlon goal, racing in Britain at a British Triathlon Permitted Event, and racing abroad*** only at ETU or ITU Championships** and £10m Professional Indemnity cover - this covers you 365 days a year, 24 hours a day only when coaching in Britain towards a triathlon goal
  • Ultimate Coach membership - £15m Public Liability cover - this covers you 365 days a year, 24 hours a day only when training in Britain towards a triathlon goal, racing in Britain at a British Triathlon Permitted Event, and racing abroad*** only at ETU or ITU Championships or ITU sanctioned events, IRONMAN, Challenge, XTERRA events** as well as additional cover for coaching additional triathlon related activities**** and £10m Professional Indemnity cover - this covers you 365 days a year, 24 hours a day only when coaching in Britain or abroad*** towards a triathlon goal

 

Commuting

Public liability cover when commuting is included in British Triathlon membership as standard, however only when training towards a triathlon goal. We have temporarily extended this commuting cover to be included even if not training. This is temporary and only included to provide support to members during the Covid-19 crisis, as such this extension of the commuting cover will be removed at a later date. This date is not yet known but the inclusion of cover will be continually reviewed by British Triathlon and it is likely to be removed once suspension of triathlon activity is lifted and events begin to resume. Personal accident cover for commuting is excluded as standard and once normal triathlon activity resumes there will be no personal accident cover included when commuting.

 

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Disclaimer

*All explanations are worded as comprehensively as possible and this page is updated regularly however insurance schedule T&Cs apply and may override what is written on this page. 

**Full list of sactioned event organisers can be found in FAQs

*** Cover for USA/Canada is only applicable to members visiting the USA/Canada temporarily and who are not USA/Canada residents

**** T&Cs apply – insurance cover is only available to UK residents and will not over overseas residents

If you have any additional questions regarding insurance cover within your British Triathlon Home Nation Membership, please email the team: membership@britishtriathlon.org or info@sports-insure.co.uk

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