PUBLIC LIABILITY INSURANCE for OWNERS CLUBS?
As a small owners’ club, we organise rallies in different places in the UK each year. Most of the sites we go to provide insurance for campers against accidents, involving other campers or their personal property by any means such as motor vehicle accidents or other causes. Occasionally, we get asked to provide Public Liability Insurance (PLI) for our event. The premium of this consumes a lion’s share of our annual budget, therefore we would rather not buy it unless we have to.
However, we are worried that should an accident occur and we discovered that the site insurance didn’t cover us, we wouldn’t want to incur a claim against our unprotected members or committee members, who would be liable. There seem to be many varieties of insurance for different circumstances, and we could go on buying policies until the Club could not afford to exist.
We would therefore welcome advice as to what other clubs do to protect their members and officers against accident risks when rallying, and the circumstances in which PLI might be deemed a necessity or not?
With thanks in anticipation.
