snowsport scotland insurance zone
Bluefin Sport are the appointed insurance broker to Snowsport Scotland. This Insurance Zone sets out details of the insurance provided as part of your membership, how to report an incident and some frequently asked questions. Whether you are a registered Organisation, Club, Association, or an individual registered Instructor, Coach, Leader, Competitor, or supporter, you are covered by the insurances provided as part of your membership to Snowsport Scotland.
Who is covered?
This cover applies only to activities authorised or recognised by Snowsport Scotland. A full list of Snowsport Disciplines recognised by Snowsport Scotland can be found within the FAQ’s.
The policy covers:
- Snowsport Scotland.
- Member Clubs, Associations and Organisations.
- Registered Instructors, Leaders and Coaches.
- Registered Competitors.
- Individual supporter members.
What insurance do you get as part of your membership?
As part of your membership with Snowsport Scotland you automatically receive the benefit of the Combined Liability insurance. To understand what this covers 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 5th September 2021 – 4th September 2022 (both days inclusive)
The policies' limits are as follows:
- Public & Products Liability – £10,000,000 any one occurrence but in the aggregate in respect of Products Liability. (£250 Excess applies)
- Professional Indemnity - £10,000,000 any one claim and in the aggregate.
- Directors & Officers* – £5,000,000 any one occurrence and in the aggregate.(£250 Excess applies)
- Employers Liability* – £10,000,000 each and every claim.
- Abuse cover* - up to £2,500,000 any one claim and in the aggregate.
*The Directors and Officers, Employers Liability and Abuse covers are only applicable to Snowsport Scotland and its member Clubs, Associations and Organisations.
Please Note: Cover is operative for all affiliated Snowsport Scotland constituents on the basis you hold a live and valid membership with Snowsport Scotland and that all master insurance programmes have been renewed by Snowsport Scotland.
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.
Cover to protect Snowsport Scotland member clubs, associations and organisations, registered instructors, coaches and leaders 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 the delivery of activities.
This cover is provided to Snowsport Scotland and its member clubs, associations and organisations.
This insurance provides protection against legal liability in respect of claims made for injuries to any volunteer or employee of the club, association or organisation noted above.
This cover is provided to Snowsport Scotland member clubs, associations and organisations.
Protection for committee members and officers against claims arising from their decision or actions whilst managing the clubs/organisations/associations.
Reporting an incident
It is important that all incidents that may give rise to a claim, however minor, are reported to Bluefin Sport as soon as possible after the event.
Tel: 0345 872 5060