- This cover is provided to all affiliated clubs. This policy provides protection against legal liability in respect of claims made for injuries to any volunteer or employee of the member club.
Who is covered?
This cover applies only to activities authorised or recognised by NFAS.
Those entitled to indemnity are:
- National Field Archery Society, its officers, employees, members, temporary members, volunteers, affiliated clubs, coaches, instructors, trainers, and all events hosted by NFAS.
What insurance do you get as part of your membership?
As part of your membership to NFAS you automatically receive the benefit of the society’s Combined Liability and Personal Accident insurances. To understand what these cover, and to see the main terms and conditions that apply, please make sure you refer to the policy summary, and policy wording, which can be found in the downloads section below.
The annual policies run from 08 April 2024 – 07 April 2025.
The policies' limits are as follows:
- Public Liability – £10,000,000 each and every claim.
- Professional Indemnity - £5,000,000 each and every claim and in the aggregate.
- Directors and Officers and Corporate Reimbursement – £5,000,000 (£1,000,000 in respect of entity cover) each and every claim and in the aggregate.
- Employers Liability – £10,000,000 each and every claim.
- Personal Accident - see below.
The covers explained
- This cover is provided to all affiliated constituents of the NFAS.
- 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.
- This cover is to protect NFAS registered clubs, coaches, instructors and trainers for claims made against them which allege that a third party has suffered an injury or financial loss caused by negligent acts, errors or omissions during coaching activities.
- Protection is available for committee members and club officers against claims arising from their decisions or actions whilst managing the organisation.
All members and associate members of NFAS are provided with Personal Accident Benefits, whilst taking part in activities organised/recognised by NFAS and its clubs, including direct travel to and from home or place of activity.
A note of the principal benefits are as follows:
- Death - £35,000
- Loss of Sight in one or both eyes - £35,000
- Permanent Total Disablement* (PTD) - £35,000
- Temporary Total Disablement - £100 per week (excess period 7 days)
- Broken bones - Up to £200
- Damage to personal property - Up to £1,000
- Dental and optical - Up to £500
- Physio - Up to £500
- Hospitalisation - £75 per day up to £750
*The basis of cover for permanent total disablement is any and every occupation
For a full list of all benefits please refer to the Aviva Policy schedule available in the downloads section
Frequently asked questions
Yes, a member can instruct, to their level of teaching/coaching qualification, and will be insured for public liability and professional indemnity insurance. However, coach-led sessions must be undertaken by an appropriately qualified Instructor.
The Liability Policy protects the club and its members for allegations of negligence should they injure other members or members of the public. If the spectators are injured as a result of your club’s or its member’s negligence, they have the right to bring a liability claim against you.
However, if a spectator injures themselves at an event and there is no negligence attaching to the group or its members, there is no automatic payment to the spectator.
No, the only exception to this is if a person is attending a ‘come and try it’ session. The insurance will provide indemnity to the participant on six separate occasions. On the seventh visit, the person is only insured if they become a member of NFAS. Please note this does not affect the club’s cover. Clubs are insured for hosting ‘come and try it’ sessions’.
No, not at this time.
Employers Liability protects the employer in the event of an injury to an employee or volunteer, for which the employer is liable.
Employers Liability could apply to clubs who employ instructors 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.
Yes. 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.
Employers Liability – Nil
Public Liability – Nil
Professional Indemnity –Nil
Directors and Officers and Entity cover – £250
You are covered by the Aviva Personal Accident policy. To check what benefits are available, please refer to the Aviva Policy Schedule in the downloads section.
Liability – Under the Liability insurance there are no age restrictions. You must, however, adhere to any age restrictions set by the NFAS if applicable.
Personal Accident – The upper age limit for Personal Accident cover is 80 years.
Yes, there is a weekly benefit of £100 per week. Please note there is an excess period 7 days before you are able to claim this benefit. The maximum benefit period is 52 weeks.
Yes, there is a weekly benefit of £100 per week. Please note there is an excess period 7 days before you are able to claim this benefit. The maximum benefit period is 52 weeks.
Yes, up to six lessons are permitted.
If your club employs the services of others, it is a statutory requirement for you to purchase Employers Liability insurance. This cover is automatically provided with a £10m limit of indemnity.
Please note volunteers should be treated in the same way as paid employees as the law does not restrict the definition of employees to those who receive payment for their services.
The liability insurance is arranged by AXA XL Insurance Company UK Limited, with the Personal Accident benefits provided by Aviva Insurance Ltd.
We would recommend that a designated person within your group or a coach is made responsible to record any reportable accident/incident. Records must be kept for at least six 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. All incidents should be reported to the NFAS Safety Officer: safety@nfas.net.