Do I need civil liability protection and personal accident protection.......!!!!! All help appreciated - HotUKDeals
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Do I need civil liability protection and personal accident protection.......!!!!! All help appreciated

fernando Avatar
8y, 1m agoPosted 8 years, 1 month ago
I jointly run Saturday morning football training for 7 and 8 year olds. It is voluntary and there is no cost to the parents. It is done in association with the school and only children of the school attend. It takes part on the school playing field. The equipment is provided for by sponsors/PTA/parent contributions. Parents must stay 'pitch side' and are in essence responsible for their children should they wander off or hurt themselves.

Do I need any sort of personal insurance / protection in the event of one of the parents suiing me (if little 'Johnny' hurts himself) - I guessed not, as I am not responsible for them, the parents are, however someone has questioned this.

Any legal wizzes no the answer??
fernando Avatar
8y, 1m agoPosted 8 years, 1 month ago
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#1
Have you heard of Ben Collett?

He was a Manchester United youth player, he suffered a broken leg in a match and as such received a pay out of £4.3 Million

That case was supposed to have set the precedent for sportsman claiming on insurance

Worth bearing in mind :thumbsup:
#2
Yes. Unless the school are willing to extend their policy over you. That would be the easiest and most cost effective option.
#3
Thanks for the steer. Perhaps I am naive, but how can they sue me when their parents are responsible for them being there. I could understand suing another child / parent for a bad tackle, but the coach who facilitates?
#4
You should speak to the school headteacher about this ASAP... if it is in association with them, then I'm sure they will help sort it out with you - have you done any risk assessments or anything? They are absolutely ridiculous, but you seem to need them for everything these days ...
#5
fernando;3141417
Thanks for the steer. Perhaps I am naive, but how can they sue me when their parents are responsible for them being there. I could understand suing another child / parent for a bad tackle, but the coach who facilitates?


I don't think their parents are responsible for them, you're the trainer and have full say over what they do on the field so I can't see how the parents can be held responsible personally

I take it you have all the correct badges to be able to coach them
#6
the training has been going on for years and years, we have 4 years and about 100 kids. The school appear to know nothing?
[mod] 1 Like #7
You should have liability insurance & be CRB checked. Have you registered with the FA ? If you've at least got your Level 1 coaching badge they should have given you this information already and should keep you up to date on the latest regulations (Spot the wife of someone who coaches in his spare time ;-)). Also, my OH uses a school for one of his coaching sessions (but he charges subs) but the school is not liable for any accidents etc - he is just hiring their land if you like.

http://www.thefa.com/GrassrootsNew/Coach/Postings/FACA
#8
100 kids, how many coaches do you have?

I'm sure you have to have 1 coach per x children (maybe sigma knows better)

Your a court case waiting to happen mate, i'd definitely sort something out if I were you especially if parents are starting to question it
#9
we have all been crb checked. we are only parent volunteers - we do not earn from it - just helping the kids learn to play football and have some fun. the parents are there all the time and choose to come and remain responsbile for them. the ratio is about 1 to 11. some have got level 1 coaching badges some haven't. the school is an fa standard charter school. to date none of the parents have raised it apart from one - i thought she was being a busy body, but perhaps she has a point. she seems to think that by being an fa coach 1 you automatically get the pl insurance but i cannot see this anywhere on the fa#s website
#10
sigma
I'll have a quick word with OH when he gets in as he runs a number of teams in his spare time & is currently getting UEFA B qualified (L3). Can only give very general guidance obviously, but I'll see if he has any relevant advice :thumbsup:


thanks, have added more info above. this is very complicated
#11
fernando;3141642
we have all been crb checked. we are only parent volunteers - we do not earn from it - just helping the kids learn to play football and have some fun. the parents are there all the time and choose to come and remain responsbile for them. the ratio is about 1 to 11. some have got level 1 coaching badges some haven't. the school is an fa standard charter school. to date none of the parents have raised it apart from one - i thought she was being a busy body, but perhaps she has a point. she seems to think that by being an fa coach 1 you automatically get the pl insurance but i cannot see this anywhere on the fa#s website


Sigma gave a link to it;

[SIZE=2]Membership benefits include:- [/SIZE]

[SIZE=2]• Annual insurance cover – civil liability protection and personal accident protection

[/SIZE][SIZE=2]Full membership from £39.50 a year[/SIZE]


Get it done mate just to be on the safe side they have contact numbers for more information :thumbsup:
#12
thanks red iron. will check it out.
banned#13
I fear you will be liable, there are some many laws in concern of child protection, and personal liability, did you know that a property owner owes a duty to trespassers.

Please speak to a solicitor (pro bono) or even citizen advice, As Lord Atkins (a judge on a case that caused a major precdent in law of tort, ie liability, stated within the infamous case of Donoghue v Stevenson updated via Dickman v Caparo The neighbour principle in the law of Tort)
"You must take reasonable care to avoid acts or omissions which you can reasonably foresee would be likely to injure your neighbour. Who, then, in law, is my neighbour? The answer seems to be—persons who are so closely and directly affected by my act that I ought reasonably to have them in contemplation as being so affected when I am directing my mind to the acts or omissions that are called in question".

I could be wrong, but legal advice is warranted here, as those you have a relationship with or for example in close proximity to you and you know them, and a accident happens which you possibly could of foreseen, you may be liable?
#14
RedIron
Sigma gave a link to it;



Get it done mate just to be on the safe side they have contact numbers for more information :thumbsup:


Thanks, you can only get the faca cover if you are at least level 1 fa qualified. some of our coaches are not. seems like the school needs to sort it.
[mod] 1 Like #15
Comments from Sigmas other half:

1. If the school is truly FA Chartered Standard then it should also have FA Affiliation and if so, the school will have public liability insurance. The school may have this already under Local Authority mandate

2. Regardless, if you do not represent the school (officially) then you are not covered by their insurance and are therefore at risk of being liable because you (and the other parents) are the organisers of the event and therefore take responsibility during training regardless of whether the parent is standing alongside;

3. To be safe, suggest that you register as a club with the FA in your own right and pay the FA Affiliation Fee (mine was £19.40) and this included £10 public liability insurance then youre sorted.

Talk to your local FA or become a bona fide representative of the school.

All that said, the school has a duty of care to anyone on their premises and therefore any parent would probably have two courses of action should they wish to pursue a claim due to injury i.e. via the school or yourselves
#16
Something else worth checking out is whether you could be covered through any insurances held by the PTA.
#17
Thanks to everyone. The school is now sorting it and therefore I can breath easily again.
#18
Great news, always better to err on the side of caution. Good luck :)
#19
sigma
Brilliant :thumbsup:

The whole child protection issue seems to be high on everyone's list of priorities. My local Council now requires all parents who volunteer their time to go along on school trips/outings to be CRB checked & I think this may be national as well. To go on a trip... :roll:


Its law now across the country. All volunteers working with kids must hold a valid CRB certificate. Vulnerable adults is following the same path too, meaning that anyone working/volunteering with disabled adults will have to have a CRB certificate too.
#20
I had to have separate CRB's for pre-school and school, and they are on the same site! Really stupid ...

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