Federation liability. Who is covered?

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1 Ao Risk Solutios Sport, Recreatio & Etertaimet Federatio liability Due to the ature of their resposibilities, sports goverig bodies are exposed to a variety of situatios uder which legal liability may arise. Ao is experieced i expertly maagig the liability risks for this group of federatios ad has desiged a policy specifically for their protectio. Who is covered? Cover is provided for sportig associatios, federatios, atioal ad iteratioal sports goverig bodies ad ay perso actig i a official capacity o their behalf, icludig employees, committee members, voluteers, officials ad referees, ad office holders (e.g. presidet, secretary, treasurer, executive director). Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

2 Ao Risk Solutios Sport, Recreatio & Etertaimet The cover This policy has bee specifically desiged to protect federatios agaist their potetial legal liability arisig out of their activities, icludig: Regulatio, cotrol ad promotio of their sport, icludig resposibility for the formatio of the rules of the competitio Discipliary actio arisig out of a breach of the rules ad regulatios by a member federatio or athlete, icludig ati-dopig Evet rights owership, evet orgaisatio ad allocatio of evets to local orgaisers Stewardship of federatio fuds ad moey held o behalf of member federatios Coverage icludes damages ad/or claims expeses that the isured is liable to pay i accordace with the laws of ay coutry because of ay claim(s) made agaist them that is otified to uderwriters durig the period of isurace arisig out of: Errors ad omissios: ay egliget error or omissio o the part of ay isured Directors ad officers : ay wrogful act committed by ay office holder Public liability: bodily ijury or damage caused i coectio with the busiess Products liability: bodily ijury or damage caused by or i coectio with a product Iteret liability: iteret trasmissios by the isured The period of isurace is o a cotiuous basis with o expiry date, ad the reewal process is kept as simple as possible, with miimum effort required from the federatio or associatio. The federatio may cacel the policy by givig the appropriate otice as detailed i the policy wordig. The policy will respod to claims otified to isurers durig the cotract period (a claimsmade policy). Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

3 Ao Risk Solutios Sport, Recreatio & Etertaimet Motorsport isurace There is ofte sigificat ivestmet i a team s physical assets vehicles, spares, tools, ad equipmet ay uisured loss is likely to have a sigificat impact o the team s ability to get back o the startig grid. Through our exclusive Lloyd s facility, Ao has developed a highly specialist solutio to o track risks, augmeted by off track coverage, esurig comprehesive protectio i a iheretly risky sport. Who is covered? Motorsport teams ad/or idividual owers. Additioally, motorsport drivers or riders, team members, officials ad marshals, evet orgaisers ad sposors ca beefit from Ao s suite of sport risk solutios tailored to their eeds. Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

4 Ao Risk Solutios Sport, Recreatio & Etertaimet The cover O track (racig) These policies provide cover o the basis of all risks of physical loss i respect of accidetal damage ad fire to the vehicle. Our exclusive Lloyd s facility is aimed at four-wheel, circuit racig vehicles from Formula 1 to road cars while racig, qualifyig, practisig or testig aywhere i the world. Cover is usually arraged o a aual/seaso basis, although specific evets ca be catered for. Off track (storage ad trasit) Desiged to cover race vehicles (both four ad two wheel), spares, tools ad equipmet aywhere i the world while at the isured s base factory or workshop, i trasit to a race meetig ad at the race veue while i the pit garage or i the paddock. Other motorsport risk solutios Persoal accidet: usually arraged o a aual basis to cover ayoe ivolved i motorsports icludig drivers, co-drivers, riders, team members, officials ad marshals. Shorter period cover for specific evets is also possible Evet cacellatio: provides compesatio for et ascertaied loss of costs if your evet is cacelled or abadoed for reasos beyod your cotrol Orgaisers liability: covers the amed isured i respect of their legal liability for third party bodily ijury or property damage Cotiget liability: pricipally desiged to protect teams, drivers, sposors ad ay other orgaisatios with a isurable iterest for their legal liability i respect of third party bodily ijury or property damage claims while competig, testig ad practisig Prize idemity/cotract bous: the aim of these policies is to provide a cap/ceilig o idividual/team bouses, protectig the isured s balace sheets ad allowig accurate budgetig Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

5 Ao Risk Solutios Sport, Recreatio & Etertaimet Group persoal accidet I today s professioal sportig world, players represet sigificat assets o their club balace sheet, ad their fitess is of cosiderable value to the club. As with ay busiess, clubs have a duty of care to their stakeholders to protect their assets ad esure suitable isurace is i place. Who is covered? Professioal sports clubs across the majority of sports. Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

6 Ao Risk Solutios Sport, Recreatio & Etertaimet The cover Our group persoal accidet policies ca be tailored to suit your specific requiremets, providig cost-effective protectio agaist: Permaet total disablemet This provides career-edig protectio as a result of accidets or illess. The policies are typically placed o a 24-hour worldwide basis (icludig iteratioal duty). Temporary total disablemet Compesates the club while players have ijuries that prevet the isured perso from cotiuig with their usual occupatio as a professioal sportsperso. Beefits are payable for a period of 12 to 24 moths. There is usually a wait period (deductible) from the date of loss after which period beefits will start to be paid. Paymet ceases either whe the isured perso resumes their occupatio, or oce the beefit period comes to a ed. Temporary total disablemet cover may also be arraged o a aggregate basis i situatios i which the club is prepared to assume some of the risk. This form of cover provides compesatio oce losses exceed a pre-agreed amout. Accidetal death Covers death as a result of accidet, with the beefit payable as a lump sum, ormally as a multiple of salary. Cover is also available to iclude death by atural causes. Aircraft accumulatio Sports clubs will ofte fid themselves faced with sigificat accumulatio exposure, as players will typically travel ad stay together, particularly durig away trips ad competitios either atioally or iteratioally. We ca provide catastrophe coverage esurig adequate levels of isurace protectio are i place to cover such a potetially large exposure to oe disastrous evet. Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

7 Ao Risk Solutios Sport, Recreatio & Etertaimet Risk maagemet solutios Although sportig orgaisatios are usually aware of the risks iheret i their operatios, perceptio of the likelihood of a icidet occurrig ca ofte be uderestimated. As such, risk maagemet strategies are ofte ot formally idetified ad icorporated ito the orgaisatios day-to-day operatios. Cosequetly ay solutio to a major or uexpected icidet has to be improvised, ad ca icur cosiderable time ad resource. By formally idetifyig, assessig, mitigatig ad moitorig the risk issues, a orgaisatio, its parters, ad its assets ca be adequately protected to: Avoid sudde shock evets that drai fiaces ad require maagemet time fire-fightig Icrease the likelihood of achievig objectives ad improve decisio-makig Prevet egative media coverage Reduce claims, creatig a more attractive optio for isurers with the resultig positive impact o premiums As the world s largest isurace broker* ad provider of risk maagemet services, Ao has bee developig risk maagemet strategies with the sports idustry for may years. Our cliets are already realisig the beefits of lookig beyod isurace to more comprehesive solutios to the busiess risks they face. *Ao has bee raked No. 1 UK isurace broker 2011, 2010, 2008, 2007 ad Isurace Times Aug 2011 Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

8 Ao Risk Solutios Sport, Recreatio & Etertaimet Who is it for? Risk maagemet is particularly suitable for sports goverig bodies ad evet orgaisers, but also other sportig orgaisatios that are lookig to mitigate the specific exposures that could ihibit their busiess from achievig its strategic objectives. Ultimately, the outputs of these sessios are risk registers highlightig those risks requirig maagemet actio. These prove far more appropriate to the busiess tha simply borrowig similar registers from other large evets. Evet orgaisers Risk Detox At Ao we have developed Risk Detox, our uique, award-wiig approach to deliverig the complete risk maagemet solutio for evet orgaisers. Risk Detox is fast ad cost-efficiet. By usig a high level of staff egagemet through debate ad iteractive votig software, our oe-day workshops lik risk assessmet to orgaisatioal activity eablig a cosesus to be reached o whether busiess objectives will be met British Isurace Award for Risk Maagemet Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

9 Ao Risk Solutios Sport, Recreatio & Etertaimet Stadium isurace Developig or owig a asset as sigificat i both scale ad fiacial ivestmet as a sports stadium poses a sigificat fiacial risk to its ower ad/or developers ad fiaciers. Isurace cover throughout the life cycle of your stadium is essetial to esure a asset of such cosiderable value is appropriately protected. Who is covered? Stadium owers, developers ad fiaciers ca be covered appropriately, depedig o the plaig ad developmet stage of the stadium. Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

10 Ao Risk Solutios Sport, Recreatio & Etertaimet The cover Stadium all risks Our policy covers the stadia ad other amed property owed by professioal sportig clubs ad associatios agaist: Material damage: protectio for damage to stadium property, cotets ad stock Busiess iterruptio: the basis of idemity ca be selected to cover gross reveue, the icreased cost of workig, additioal icrease i cost of workig, ret receivable, or fies ad pealties Also covered: moey, goods i trasit, computer, employee fidelity ad other specified items Stadium costructio isurace Throughout your stadium s developmet your ow dedicated project accout team will work closely with you ad other stakeholders, gaiig a i depth uderstadig of the project, its risks ad exposures. As a result, we will develop a bespoke programme icorporatig all of the appropriate isuraces required from commecemet to completio. I additio, we will assist where ecessary i egotiatios with leders to esure realistic isurace requiremets are i place ad that the project will cotiue to meet key ledig criteria beyod fiacial close. Isuraces usually icorporated withi our ower cotrolled isurace programme (OCIP) are: Costructio all risks: protectio to the project durig costructio, istallatio, testig ad commissioig Terrorism: all risks of loss, destructio or damage to the works, materials ad plat due to a act of terrorism Third party liability: protectio for the project parties agaist their legal liability to pay damages as a cosequece of their egligece arisig out of the project Delay i start-up: coverig fiacial cosequetial loss arisig out of the project ot beig completed i time Additioal cover available for Project professioal idemity, cargo trasit cover, latet defects, evirometal impairmet liability, legal idemity, ad uexpected archaeological discovery. Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

11 Ao Risk Solutios Sport, Recreatio & Etertaimet Sports travel isurace Although some sportig orgaisatios rely o their employees to esure they have adequate travel isurace, there is o guaratee that sufficiet cover will be effected. I fact, may policies available to idividuals will exclude the activities udertake o behalf of the sportig orgaisatio. I the evet that a ucovered loss or serious medical coditio occurs, the idividual may well look to their club or federatio to assist them. Who is covered? Cover is provided for the club ad ay perso actig i a official capacity o its behalf, icludig directors, employees, voluteers ad office holders. Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

12 Ao Risk Solutios Sport, Recreatio & Etertaimet The cover Whe employees are travellig it is the resposibility of their sportig orgaisatio to esure they are covered. By purchasig sports travel isurace, the orgaisatio takes cotrol of its potetial exposure to a loss ad esures that those workig o its behalf have adequate protectio. The policy has a umber of differet sectios as show below, ad ca be tailored to suit the differig eeds of clubs, associatios or federatios: Medical ad emergecy expeses Cacellatio ad curtailmet Delayed departure ad hijack Persoal accidet/disablemet Baggage ad persoal effects Sigle article limit Moey Persoal liability Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

13 Ao Risk Solutios Sport, Recreatio & Etertaimet Sports club liability Professioal sports clubs face liability exposures above ad beyod the traditioal scope of stadard liability isurace covers, such as etertaiig thousads of the payig public ad fieldig teams of sports stars worth millios. Faced with liability exposures such as these, a professioal sports club eeds a appropriately tailored isurace programme to suit the wide rage of exposures it faces. Who is covered? Cover is provided for the club ad ay perso actig i a official capacity o its behalf, icludig directors, employees, voluteers ad office holders. Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

14 Ao Risk Solutios Sport, Recreatio & Etertaimet The cover The policy has bee specifically desiged for professioal sports clubs to protect them agaist their potetial legal liability arisig out of their activities. It covers damages ad/ or claims expeses that the isured is liable to pay i accordace with the laws of ay coutry because of ay claim(s) made agaist them durig the period of isurace arisig out of: Directors ad officers : ay wrogful act committed by ay office holder Errors ad omissios: ay egliget error or omissio o the part of ay isured Public liability: bodily ijury or damage caused i coectio with the busiess Products liability: bodily ijury or damage caused by or i coectio with a product Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

15 Ao Risk Solutios Sport, Recreatio & Etertaimet Evet liability isurace Evet orgaisers face the potetial of a legal claim followig a icidet at their evet, ad must esure that isurace is i place to protect their positio. Wisely, may cotractual parters such as rights holders or sposors ow make it obligatory. Icreasigly i the evet of a accidet or ijury, sports participats ad spectators are seekig compesatio, ofte lookig to the evet orgaiser or eve the evet sposors first. Evet orgaisers are likely to be icluded i ay claim for damages followig a icidet at their evet, ad must therefore be prepared to defed themselves i court. As the evet orgaiser, if ay third party suffers a fiacial loss i coectio with the evet, they may allege that this was due to a failure by orgaisers to exercise the degree of care ad skill that is expected of them. Claims may arise as a result of bodily ijury or damage to property from spectators, participats or other third parties. Additioally, claims for fiacial loss may arise from poor advice or cosultatio, fiacial losses to third parties, libel or slader cotaied i evet publicatios, or failure to provide adequate isurace to officials, players ad other participatig third parties. Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

16 Ao Risk Solutios Sport, Recreatio & Etertaimet Ao has arraged evet legal liability isurace for orgaisers of the largest sportig evets aroud the world ad is already a trusted adviser to some of the most sigificat evet orgaisers i the idustry. Who is covered? I additio to the evet orgaiser, the Ao evet liability policy covers: officials, employees, voluteers, sposors, participats, ladowers, sub-groups ad committees, as well as ay other perso(s), partership, firm or compay actig for or o behalf of the evet orgaiser. The cover Geeral liability: legal liability i respect of bodily ijury, illess or disease ad/or loss or damage to property of third parties arisig durig the evet or its orgaisatio. Cover ca be exteded to to iclude acillary evets such as promotioal diers or opeig ceremoies. Errors ad omissios: all sums that the evet orgaiser, promoter or idividual officer shall become legally liable to pay as damages arisig out of ay egliget act, error or omissio while carryig out the busiess of orgaisig the evet. Legal costs ad expeses: icurred i the ivestigatio, defece or settlemet of ay claim. Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

17 Ao Risk Solutios Sport, Recreatio & Etertaimet Failure to broadcast Despite advaces i techology, the possibility of failure or malfuctio of equipmet resultig i the iability to broadcast remais. The reveue from sposors ad advertisers or rights fees is therefore at risk from icidets such as equipmet, power or sigal failure, satellite breakdow, damage to equipmet, or adverse weather coditios, all of which are completely outside of the broadcaster s or evet orgaiser s cotrol. Who ca be covered? Trasmissio providers, closed circuit telecast evet orgaisers, evet rights holders, orgaisers, promoters, or the rights holder as host broadcaster ca all be covered, with the policy tailored to suit specific eeds. Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

18 Ao Risk Solutios Sport, Recreatio & Etertaimet The cover Trasmissio providers Stadard coverage protects agaist loss of reveue should the assured be preveted from providig the cotracted trasmissio as a result of the failure or malfuctio of ay ecessary facilities, provided that successful testig has bee completed, ad the waitig period has bee exceeded. Trasmissio providers may also be cotractually required to refud the reveue for ay reaso beyod their cotrol. Uder these circumstaces we ca costruct a wordig to meet these requiremets. Closed circuit telecast evet orgaisers Cover provided is as above. However, the reveue beig protected is the ticket moey that must be reimbursed should they be uable to show the evet for techical reasos. Evet rights holders, orgaisers or promoters While these parties are ot usually resposible for the delivery of the trasmissio, cotracts effected with the marketig compay/sposor will frequetly iclude a refud clause i the case of a trasmissio ot takig place. Ao has developed a wordig that specifically covers evet rights holders, orgaisers or promoters, agaist such a occurrece. Typically this is provided as a extesio to the evet cacellatio policy ad covers trasmissio failure ad acillary cover due to ay cause beyod the cotrol of the assured or participats therei. Cover also icludes physical damage to, or the iability to erect, advertisig placards. Rights holder as host broadcaster The exposure ad isurace requiremets for subsidiary compaies set up as host broadcasters by rights holders are very specific ad depedet o the cotracts i place. Ao ca coduct a full risk maagemet review ad aalysis of the cotracts ad exposure, eablig the developmet of a appropriate wordig specifically to meet the host broadcaster s requiremets. Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

19 Ao Risk Solutios Sport, Recreatio & Etertaimet Kidap & rasom The high salaries sports stars ear, which are ofte broadcast by the world s media, ca idetify them as a attractive target for kidappers. While sports stars ca move to safer areas, family members who remai i riskier regios ca become far easier targets. Ufortuately there have bee may examples of this i the past five years. Who is covered? This cover is desiged for sports professioals ad their families. However, as sports clubs may fid themselves feelig (or becomig) resposible for the fact that their player s, or players family members, are kidapped as a result of the club s real or perceived success, they should be aware of the optios they have to reduce this exposure ad the beefits Ao s Kidap ad Rasom policy provides. Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

20 Ao Risk Solutios Sport, Recreatio & Etertaimet The cover Ao s kidap ad rasom policy, arraged through oe of the market s leadig isurers, covers the isured ad other amed parties agaist kidap, rasom, extortio, detetio ad hijack. The policy is particularly suited to sports professioals ad their families who travel to or reside i high-risk areas, such as Lati America, parts of Africa, ad Cetral/Souther Asia. The policy provides cover up to the pre-defied policy limit per isured evet for: Rasom: cash, goods, or services surreder to meet a kidap or extortio demad Loss of rasom moey i trasit Legal costs: damages, defece expeses ad costs Reasoable additioal expeses: icurred by the family icludig medical, psychiatric ad commuicatio expeses Beefits for players sports clubs I additio to the stadard cover, icluded withi the policy are the ulimited services of specialist cosultats from oe of the leadig respose ad crisis maagemet cosultacy firms. With victims potetially held captive for moths or eve years, clubs ca be safe i the kowledge that they have professioals workig o their behalf throughout the kidappig to secure the victim s safe retur. As a result of the sesitive ature of ay isured evet occurrig, the policy also provides a public relatios cosultat, with all fees ad expeses icluded, ad all cases are dealt with i the utmost cofidece. Available extesios A additioal sub-limit per evet payable i the result of accidetal death, ijury or mutilatio durig a isured evet ca be icluded i the kidap ad rasom policy. Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

21 Ao Risk Solutios Sport, Recreatio & Etertaimet Persoal accidet & illess isurace How would you cope fiacially if your career suddely eded, leavig you without ay icome? Whatever your particular sport, ad whether you are a risig star or seasoed professioal, career-edig isurace should be a itegral part of your fiacial plaig ad wealth maagemet strategy. Professioal sportspersos should esure they have adequate isurace protectio i place at all times. Ao works with idividuals ad their represetatives to esure that the sportsperso ad their depedats have a adequate level of protectio, ad that the policy accurately reflects the sportsperso s curret ad potetial earigs. Who is covered? Our products cover sportig professioals throughout the world, across all sports. Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

22 Ao Risk Solutios Sport, Recreatio & Etertaimet The cover Permaet total disablemet isurace A permaet total disablemet (career-edig) isurace policy provides fiacial protectio for professioal sportspersos ad their families agaist the loss of curret ad future earigs. The policy provides the policyholder with a tax-free lump sum i this evetuality. This cover ca also iclude earigs from commercial sposorships ad edorsemets. Temporary total disablemet isurace Temporary total disablemet cover is particularly relevat to all self-employed or o-cotract sportspersos. This beefit is desiged to protect agaist ay lost icome that you would have bee etitled to had you bee able to participate i your usual occupatio, ad is payable for 12 to 24 moths. Accidetal death Our permaet total disablemet policy also provides a tax-free lump sum to a omiated perso i the evet of the accidetal death of the isured perso. Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

23 Ao Risk Solutios Sport, Recreatio & Etertaimet Evet cacellatio A evet orgaiser s reveue is always likely to be at risk from causes completely outside of their cotrol, such as power failure, failure of public trasport facilities, strikes, or atural catastrophes. I additio to their ow costs, the orgaiser eeds to pay attetio to potetial fiacial loss that may arise out of cotractual relatioships with broadcasters ad sposors. There are also a series of potetial expeses ad guaratees (such as commitmets to hotels, veues, caterers or other service providers) that are ot recoverable followig cacellatio, postpoemet, curtailmet, abadomet or relocatio of the plaed evet. Who is covered? The policy is desiged to protect evet orgaisers, promoters or sposors Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

24 Ao Risk Solutios Sport, Recreatio & Etertaimet The cover Our policy covers either the loss of costs ad expeses or reveue arisig from: Cacellatio, abadomet, postpoemet, iterruptio, curtailmet or relocatio of the isured evet Acillary cover icludig failure of televisio trasmissio of a isured evet, due to ay cause beyod the cotrol of the assured or the participats therei The policy ca be adapted to suit ay specific cotractual requiremets or chaged circumstaces. Available extesios Subject to agreemet by uderwriters ad paymet of ay additioal premium, the followig policy exclusios may be deleted: Civil commotio Terrorism Commuicable disease or threat or fear of commuicable disease Natioal, court or religious mourig (whether declared or ot) Ao UK Limited is authorised ad regulated by the Fiacial Services Authority i respect of isurace mediatio services oly.

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