Insurance solutions for RYA Affiliated Clubs, Recognised Training Centres and Affiliated Organisations

• Public and product liability: Member-to-member liability and training extension, including professional indemnity cover.
• Employers’ liability: If you have employees (including volunteers) you may require this cover by law.

• ‘All risks’, as defined by the policy wording: Including clubhouse, outbuildings, solar equipment, marine installations, contents/fixtures & fittings, consumables and bar stock.
• Business interruption: Loss of revenue, additional increased cost of working, loss of rent payable/receivable, and loss of revenue (marine) extensions available.
• Loss of licence: Loss of revenue following loss of licence for the sale of alcohol.
• Deterioration of stock: Covering refrigerated/frozen stock in the event of equipment breakdown and/or failure of public utilities.
• Cups, trophies and specified items: Covering any specified item and unspecified cups/trophies anywhere in the UK on an ‘agreed value’ basis.
• Money: Covering cash in trust including when in a safe, in transit, or at the home of an authorised official.
• Personal accident: Providing cover to specified persons whilst carrying out duties.
• Boats: Including outboard engines, trailers, etc. whilst in transit and temporarily in use within Europe for up to 30 days per year. Cover incorporates marine third-party liability to mirror the chosen public and products liability indemnity limit. Cover extension is also available upon request to cover loaned/borrowed boats not owned by the club/training centre/organisation.

Benefits of an RYA Club Insurance policy

• Access to Gallagher Business Assist (GBA): A Gallagher team of qualified loss adjusters to assist with property claims in excess of £10,000 value.
• Access to an online risk management tool: Providing access to a wealth of guidance and advice relating to management of risk and adherence to HSE regulations.

• Directors’, officers’ and trustee liability insurance: Legal defence costs and valuable added protection for individuals operating on behalf of the club/training centre.
• Commercial legal expenses insurance: Legal defence costs in respect of employment disputes, contract disputes (including tenancy), tax/VAT investigations, plus a 24-hour legal helpline.
• Special types motor (Road Traffic Act Liability) insurance: Following recent changes to the Road Traffic Act Law, tractors and other mechanically propelled plant used within a ‘public place’ must now be insured under specific motor insurance policy.
• Engineering inspection: Providing statutory inspection of plant and equipment on a 6 or 12 month frequency as required under HSE (LOLER) regulations.
• Cyber liability insurance: Providing cover for consequential losses as a result of a data breach, costs to ensure that you comply appropriately with GDPR following a breach and cover against civil fines/penalties levied by the regulator following a breach. Cover can also be extended to include social engineering/fraudulent transfers, providing an added layer of protection for your organisation.