16 Oct 2007 - BARLA Insurance

THE BARLA GROUP INJURY INSURANCE

Cover

The Policy covers Accidental Death and Permanent Total Disablement from any and every occupation and as such only provides cover for catastrophic injuries.

The benefit levels are highlighted below.

Due to the mandatory policy, additional cover is available for amateur players and/or teams to top up this cover. HFH members should contact Ian Yates for further details.

TABLE 1: Summary of Mandatory Personal Accident Benefits

Person Aged Under 16 years of age:

BENEFIT

Accidental Death: £7,500

Permanent total disablement occupation from any and every occupation: £100,000

Permanent loss of sight in one eye: £50,000
(The above benefit is doubled in the event of loss in both eyes resulting from the same incident)

Loss of use of one or more limbs: £50,000

Permanent and total loss of speech: £50,000

Permanent and total loss of hearing in both ears: £50,000

Permanent and total loss of hearing in one ear: £12,500

Person Aged Over 16 years of age:

As above except.......

Accidental Death: £50,000

TABLE 2: Summary of Mandatory Death by Natural Causes Benefits

Person Aged Under 16 years of age:

BENEIFIT

Death (not caused by accident): £7,500

Person Aged Over 16 years of age:

Death (not caused by accident): £25,000

PUBLIC LIABILITY

Limit if indemnity £5,000,000

BARLA has always sought to procure insurance that protects the whole Association - all teams, all age groups, all games at all levels.
Experience over many years shows the only way to ensure everybody within the game is adequately insured is to arrange cover on a mandatory basis. The existing mandatory public liability policy provides protection for:

1. The Association itself
2. Clubs
3. Leagues
4. Players (other than "player to player" claims)
5. Committee members
6. Coaches: and
7. Volunteers (including first aiders)

ACE European Group, with whom the existing Public Liability and Personal Accident policies are arranged, are one the World's largest insurers and have unquestionable financial strength and ability to pay any claims.

The BARLA Public Liability policy covers any Rugby League activity conducted b y the Club including sports and social activities and products supplied by the Club.

Cover also includes tenants' liability for Clubs that do not own their own ground. Clubs with separate Public Liability policies that do not undertake any non-Rugby activities should, in the first instant, contact Bartlett Insurance Brokers. They will be able to provide confirmation of cover to assist in providing evidence that the other policy is not necessary.

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