Both Personal Accident Insurance and Pubic Liability Insurance must be taken out by all clubs before affiliating to Middlesex FA.
UKGlobal, our appointed insurance broker, provide insurance to clubs, teams, leagues and match officials with insurance products tailored to the needs of grassroots football.
So, what types of cover are available and what does it cover you for?
Personal Accident Insurance
Cover is available to adult and youth teams and protects players, committee members, managers, trainers and assistant referees/officials in the event of an accident arising from football activities.
- Accidental death
- Life cover
- Permanent total disablement
- Loss of sight, limbs, speech, hearing
- Dental expenses
- Weekly benefits for time off work
- Broken bone benefits
Personal accident insurance is mandatory for all teams and the “Scale One” level of cover is the minimum level of cover required by the Middlesex FA. We would recommend that you look at the range of benefits on offer as you may wish to upgrade your teams cover.
Legal Liabilities Insurance (Including Public Liability)
The scheme is available to affiliated clubs, leagues and match officials affiliated to the Association. Cover is arranged by the association as a group policy, so premiums are more affordable. This allows you to purchase the cover at a much cheaper premium, whilst you also benefit from the wider cover of a policy that has been designed specifically with grassroots football in mind.
Four elements of cover in one unique package
Public liability - £10,000,000
Employers liability - £10,000,000
Officers and committee liability - £5,000,000
Professional indemnity - £10,000,000
This does not cover ‘Player to Player’ incidents. However, our cover does automatically include ‘Player to Player’ legal defence costs only of up to £250,000 (does not cover any award that maybe given).
Please note that cover is only available to clubs and teams participating at Steps 5 and below. If your club or one of its teams plays at Step 4 and above, please contact UKGlobal as they can provide a separate quotation.
Cover is not provided for the operation of a licensed premises. This element of cover is usually provided under a commercial combined insurance policy or alternatively, UKGlobal can provide a separate quotation.
Cover is purchased when you affiliate to the Association and the premium this season is being paid for by Middlesex FA together with your affiliation fees.
Once the premium has been received and your application has been accepted, you will be sent an Evidence of Cover.