As part of your membership to The Vanarama National League, your club automatically receives a bespoke insurance programme aligned to your level of football, this cover applies to the club as a whole and extends to subsidiary companies and community trusts.
Your affiliation to The National League automatically includes insurance protection for liability and personal accident.
The annual policies run from 1 July 2023 to 30 June 2024.
This cover applies to registered clubs of the Vanarama National League and their subsidiary companies including Charitable Trusts.
The policy covers:
Please note: Top up options are available to include additional benefits and include additional teams.
Indemnity limits are as follows:
This insurance can pay out a set amount if someone is injured in an accident, and the pay-out can be a lump sum or a weekly amount.
It ensures all participants have protection in the event of an injury, and because this is a “non negligence” cover, it can help reduce litigation in the game, because unlike a liability policy you do not have to find someone to be at fault for an injury to receive compensation.
Public liability insurance provides protection against legal liability for bodily injury to third parties and damage to third party property.
Products liability insurance provides protection against legal liability to pay compensation including legal costs for death or bodily injury, or damage to third party property arising from products supplied.
Employers Liability provides protection against legal liability in respect of claims made for injuries to any volunteer or employee of the member club.
| Category |
Insured Person | Operative Time |
| A | First team players (registered to National League including loan and trial players). Match officials. Coaching staff and trainers. Club managers. |
Playing home and away fixtures. Training organised by the insured. Spectating insureds fixtures. Travelling to and from away fixtures as organised by the club including private cars. |
| B | Club and league committee and board members. | Attending committee and board meetings excluding travelling to and from. |
| C | League employees. | 24- Hour. |
| First team players | Non players | |
| Accidental Death | £50,000 | £50,000 |
| Permanent Total Loss of Sight in One or Both Eyes | £50,000 | £50,000 |
| Loss of one or more limbs | £50,000 | £50,000 |
| Permanent Total Loss of Speech | £50,000 | £50,000 |
| Permanent Total Loss of Hearing In one ear In both ears |
£12,500 £50,000 |
£12,500 £50,000 |
| Permanent Total Disablement | £50,000 | £50,000 |
| Temporary Total Disablement | £250 per week | £250 per week |
| Broken Bones | Starting from £500 | £500 |
| Hospitalisation - max 15 days | £50 per day | - |
| Dental (within 28 days of the incident) | £250 | - |
| Broken leg | £5,000 | £500 |
| Broken arms | £1,500 | £500 |
| Broken cheekbone | £1,000 | £500 |
| Broken ankle | £2,000 | £500 |
| Kneecap (Patella), Collar Bone, Jaw, Skull | £1,000 | £500 |
| Coma Benefit - max 365 days | £50 per day | - |
| Funeral Expenses | £5,000 | - |
| Medical Expenses | £5,000 | - |
| Primary Dislocation - Kneecap, Elbow, Shoulder or Hip | £500 | £500 |
| Rehabilitation expenses | £5,000 | - |
| Snapped/ruptured achilles tendon, cruciate ligament | £1,500 | - |
This insurance can pay out a set amount if someone is injured in an accident, and the pay-out can be a lump sum or a weekly amount.
It ensures all participants have protection in the event of an injury, and because this is a “non negligence” cover, it can help reduce litigation in the game, because unlike a liability policy you do not have to find someone to be at fault for an injury to receive compensation.
Public liability insurance provides protection against legal liability for bodily injury to third parties and damage to third party property.
Products liability insurance provides protection against legal liability to pay compensation including legal costs for death or bodily injury, or damage to third party property arising from products supplied.
Employers liability provides protection against legal liability in respect of claims made for injuries to any volunteer or employee of the member club.
Cover extends to first team squad players during home and away fixtures, training, spectating, and travelling to and from away fixtures, if organised by the club.
It is essential that you undertake risk assessments for the activities of your club to support you in your risk management. You and your club owe a duty of care to those around you.
If an allegation for negligence is made against you or your club the risk assessments will be needed to evidence what you have reasonably been able to do to prevent an incident occurring.
Yes, the public liability insurance provided full player to player cover for incidents between players whilst training and competing for up to £250,000. Each club has the opportunity to increase this limit of indemnity to £500,000 directly with Marsh Sport.
Employers’ liability protects the employer in the event of an injury to an employee, for which the employer is liable.
Employers’ liability could apply to clubs who employ coaches or volunteers to work on their behalf.
Public liability protects a club/member/volunteer if another member, or a member of the public, sues them for injury or damage caused.
We recommend that a designated person within your club is made responsible to record any reportable accident/incident. Records must be kept for at least 6 years, and longer where it involves a person under the age of 18 years. Names and addresses of any possible witnesses should also be recorded. Please ensure your club has an accident book to record all such information.
In respect of safeguarding allegations, records should be kept indefinitely.
Yes, clubs are provided with employers liability insurance, with a limit of indemnity of £25,000,000.
If the club is incorporated the directors may still find themselves personally liable and therefore directors and officers insurance is essential. This can be accommodated directly via Marsh Sport please contact us.
Yes, the liability extends to cover the charitable trust and all club subsidiaries.
Policy documents will be issued directly by Marsh Sport, and a To Whom it May Concern letter can be found in the downloads section.
If there are verbal or written allegations made against your club, you should record the information and notify Marsh Sport of the incident at your earliest opportunity. Please contact 0345 872 5060 (9am to 5pm Monday to Friday) or email us.
In no circumstances should you admit liability or agree to pay for any damage caused as this may prejudice the position of insurers and could result in the withdrawal of any indemnity.
Please note this is a liability policy where Insurers decide if negligence attaches to you, meaning any payment you make to any third parties will not necessarily be reimbursed.
