Here at Owzat Insure, we feel Risk Management can best be described as prevention rather than cure. We have come up with some useful tips to help your club prevent a claim. These have been split into 3 risk categories:
At the bottom of the page there are 3 checklist / risk assessment documents for your club to use to help reduce the risk of a claim occurring at your club.
Public Liability Insurance is designed to cover your club in the event of third party claims being made against you for negligence that have caused persons to suffer injury or illness as a result. Public liability insurance can also provide cover in the event of damage to a third party's property.
If you were ever put into a situation which made your club liable to be sued, having the right insurance can give you the cover you need.
Below we have set out some information which maybe of some use to your club.
Clubs in control of premises have duties under the Occupiers Liability Act 1984. This define that as:
"A duty to take such care as in the circumstance of the case is reasonable to see that the visitor will be reasonably safe in using the premises for the purposes for which he is invited or permitted by the occupier to be there."
Here are a few examples of liability claims we have handled and experienced under our Cricket Club Scheme:
Slips and trips can result in serious injuries and may lead to large compensation awards.
Key Action Steps:
Trips can occur when flat and level surfaces slope away from the walker, both up and down. This shows that good housekeeping, the quality and condition of the surfaces and an appropriate pace of walking are critical for preventing fall accidents. The selection and use of proper footwear can also prove critical. Whilst such issues are not under the control of a property owner simple control strategies can cope with the other aspects. Click on the below links to see how you can reduce the risk of slips, trips and falls at your club:
If your club is holding a bonfire/firework display, whether November or in the New Year - it is necessary to extend the liability section of cover to include this, costs vary depending on who is doing the display and attendance numbers – please contact us for a firm quote. Click on the below link for further details:
Out of Season:
Over winter many cricket club premises are left out of use, or only used sporadically, and not surprisingly, during this period the risk of certain unwanted events can increase. However, with a bit of planning and implementation of some simple precautions, such risks can be minimised. Click on the below link for some advice on things to consider when your clubhouse is going to be unoccupied for a period of time:
Here are a few examples of seasonal claims we have handled and experienced under the Cricket Club scheme:
Theft or arson is a risk facing nearly all premises, and a suitable level of physical security should therefore be provided to all accessible external doors and windows.
There are a number of factors that contribute to good door security, e.g.: -Condition - Doors and frames should be in good condition, of good fit, well secured to the building structure and any gaps around the frames filled with mortar or frame sealant. Any glazing needs to be well secured i.e. no loose or perished putty/beading.
Key Action Steps:
- Review current physical security at your premises, including any outbuildings.
- Check whether any insurer Minimum Security Requirement's apply; and if so that you either do comply, or that you have their agreement for any alternative arrangements.
- Source security devices from competent suppliers/locksmiths, e.g. MLA members.
- Review security after any break in.
Criminals usually look for the easiest way into premises. With this in mind the general aim should be to provide all doors and windows with a comparable level of physical security, but with variations made having regard to various risk factors;-
- What is behind or close to each door or window, i.e. what theft attractive goods are present/where are they kept?
- The degree of accessibility and possible concealment for criminals.
- Accessible doors and windows should be regarded as those that could be reached by an intruder standing on adjacent ground or an external staircase; or that could readily be reached by climbing, e.g. via adjacent single storey roof areas, bay windows, porches, pediments, adjacent soil/drainage pipes, walls or trees, etc.
- Strength of construction of the building in comparison to any doors/windows.
- The nature of any manned guarding or other human presence on site
- The nature of any electronic security, i.e. intruder alarm/CCTV systems on site.
Most Insurers including Aviva impose a minimum security requirement on the property, click on the below link the see the requirement on our policy.
Checklist & Risk Assessment Documents:
To help your club reduce the risk of having to make a claim we can provide a risk management bulletin pdf and 3 risk assessment/checklist documents:
It would be good practice for the club to complete these on a regular basis and to act upon any defects found.