RPRA Organisation Insurance 2020
With ever increasing legislation members are at risk of claims for situations including health and safety. As an unincorporated organisation it would be the members who would be held liable for any claim. To mitigate this risk a number of clubs (approx 300) had taken out policies through the RPRA Insurance broker. The actual number of clubs with such cover would be far greater. The annual cost of such policies was anything between £200 to £400 and in some cases even greater. In 2018/19 the RPRA was approached by a number of clubs requesting help with sourcing Public Liability Insurance. These requests were as a direct result of venues/headquarters stipulating such cover was required to use the services and facilities. In today’s culture of blame and claims this requirement is only likely to increase.
In 2019 the RPRA Council were presented with an insurance policy proposal that would provide all it’s affiliated clubs and organisations with Public Liability , Employers Liability Insurance and cover for equipment owned by affiliated clubs and organisations at a cost of £2 per member. After careful consideration the RPRA council took the decision to procure the policy and fund it from existing financial reserves.
At Octobers meeting the renewal of the policy (due March 2020) was discussed. Taking into consideration the risk and liability to members along with the value for money of a ‘block policy’ when compared to individual club polices it was agreed that the policy should be renewed.
Funding the policy from existing financial reserves was not viable and therefore it was the majority decision of the Council that members should pay a £2 insurance premium in 2020 to finance the policy.
In today’s day and age it may be considered irresponsible for clubs to operate without such cover. Therefore I hope members can see the benefits and reasoning behind the decision of Council. This difficult decision was taken in the best interests of the members.
As previously reported the Insurance Policy will cover the following:
- Public Liability Insurance for £5 million
- Employers Liability Insurance for £10 million
- Property cover for items such as but not limited to clocks, computers, baskets & trophies