Key Sports & Leisure Exposures and Risks
The overall Public Liability exposure is high but varies with the type of sport and facility, whether the club is incorporated and the possibility of spectators. The public liability will also vary with the size of the premises, the number of members/visitors and whether the club allows only members and guests or the general public to use the clubhouse facility. Although the size and type of operations may vary considerably, the combination of large concentrations of people, dim lighting, and the possibility of fire and fights on the premises generally result in high loss potential.
Major areas of liability are:
- General public liability risks at the premises including (where applicable) tenant liability for leased premises and property owners liability in respect of the restaurant and bar, office, car park, changing rooms, pavilions or grandstands and sports facilities;
- Liability for accidents on or adjacent to the sports fields/facilities including both participation risk and member to member cross liabilities;
- First aid treatment risks by volunteers;
- Umpire/referee liabilities;
- Property in physical and legal control (locker rooms);
- Liquor liability (where applicable)
- Unregistered vehicles e.g. grounds-keeping vehicles (where applicable) and;
- Tours including overseas tours/events.
The following content deals briefly with some major areas of potential exposure (not necessarily applicable to every club) i.e.:
- Premises risks – including spectator facilities
- Food preparation and service and bars
- Live Events
- Children’s facilities and children’s sports/participation
- First Aid
- Ventilation System
- Liability for accidents on or adjacent to the sports facility/participation risks
- Unregistered vehicles
- Condition of sports equipment
- Tours and off site events
- Goods in care, custody and control
- Sports instruction
- Gymnasium and training facilities
- Member to member cross liabilities
- Car Parks
- Swimming Pools
- Liquor liability
Many clubs cater for the training and participation of youths and children in sports activities. It is important to recognise that the law requires a greater degree of care to be exercised in dealing with children that with adults. In regard to children, the duty of care is high because children are vulnerable in that they have yet to physically and mentally mature.
Child exposures exist where:
- Someone has care or control of a child
- The club provides products or services to children
Sources of child claims include:
- Sporting activities – including home and away games
- Allergic or toxic exposure
- Untimely or inappropriate medical aid
- Property maintenance issues
- Assaults –physical/sexual/psychological
This occupation potentially has a high product liability exposure from the sale of/provision of contaminated food and beverages and sports equipment. Most claims arising under product liability will result from foreign objects in food or drink and food poisoning. The more severe claims arise from food poisoning. Where applicable, claims from sports equipment sales are relatively infrequent but could arise in relation to poor assembly, adjustment or alterations of equipment for example, although most claims will be directed at manufacturers.
- Product Liability, Product Recall, Product Guarantee, Extortion, Kidnap and Ransom
- The product liability for this occupation is high
- Claims arising under product liability will result from foreign objects in food or drink and food poisoning. The more severe claims arise from food poisoning.
- There are however, other products provided by this occupation. Typical merchandise sold by this occupation includes fast food, beverages, in some cases including alcohol, confectionery, giftware including toys, clothing, hats etc and souvenirs, snack foods (i.e., chips, dips, nuts), bar/counter meals or more expensive menus in restaurant facilities and tobacco products.
- The spoilage or deterioration of food can be due to age, improper storage, improper temperature control and contamination and the key to managing this risk lies in:
- Careful stock management.
- The condition and maintenance of refrigerated units and cool rooms.
- Housekeeping and hygiene.
- Food preparation practices
- Where the food services are run by concessionaires, the stability and reputation of concessionaires and the contractual relationship, including the use of disclaimers in the contract and requirements for concessionaires to hold their own insurance need to be considered.
- Other products may include giftware. Although such products are likely to be manufactured by others. They are likely, in many cases, to contain branding specific to the operation and could be imported. The operation could be held liable for any imported goods.
- Claims from pro-shop sales or equipment hire services are relatively infrequent but could arise in relation to poor adjustment, repairs or alterations to equipment.
Why use Hunter Broking Group?
Sports & Leisure Insurance Broker Brisbane:
Sports Insurance & Leisure Insurance is a special type of insurance which indemnifies against damage to your assets or injury to your players, spectators, volunteers and the like. Insurance for Sports & Leisure is vital as they are subject to many different exposures, including fire, theft, vandalism, property damage, personal injury and many more potential risks. Hunter Broking Group can assist with Sports & Leisure Insurance & Sports & Leisure Equipment Insurance. Through industry specific insurers, our brokerage can organise a comprehensive range of insurance solutions that can be tailored to suit most clubs and organisations.
Hunter Broking Group can source a range of Sports & Leisure Insurance covers depending on your specific needs, including:
- Professional Indemnity Insurance
- Public Liability Insurance
- Sports Equipment Insurance
- Leisure Equipment Insurance
- Employers Liability
- Personal Accident / Illness Insurance
- Voluntary Workers Insurance
- Property Insurance
- Director and Officers Insurance
- Association Liability Insurance
Sports & Leisure equipment is a core focus, whether this is small sporting goods or commercial abseiling equipment, Hunter Broking Group have the experience to cater to a variety of business sizes and risks.
Our experienced brokerage can help you get the most appropriate insurance cover by assessing your specific needs and recommending the best value insurance solution for your business, whilst still maintaining the highest standard of cover.