Page 28 - Misconduct a Reference for Race Officials

Skippers, instructors, trainers and coaches
Personal professional indemnity insurance is available for skippers, instructors,
trainers and coaches. This normally covers any claims made against them
arising from a negligent error or mistake in the advice or services they provide to
their student or client. This is often combined with personal public liability
insurance, which covers their legal liability for personal injury and/or property
damage caused to third parties by their negligence.

Personal accident insurance
Public and professional liability insurance is designed to cover liability arising
from the insured person’s negligence, in other words it is “fault-based”. Personal
accident insurance, on the other hand, is designed to cover circumstances in
which the insured person has suffered personal injury as a result of an accident,
regardless of whether the accident was caused by anyone’s fault.

Personal accident insurance is available as a free-standing policy but may also
be an optional extra on some public and professional liability insurance policies.

Boat insurance
Comprehensive insurance policies are widely available for most types of boat
and some insurers offer third party only policies. Many organisers insist on
participants who use their own boats having such insurance in place as a
condition of taking part in a particular activity.

Set out in Appendix 4 is advice on the inspection of insurance certificates by
organisers.

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