Our
members public liability insurance is provide through our association
with PAKA and arranged through the above broker. As an affiliated club
member you get £5,000,000 third party liability cover or £1,000,000
personal third party liability cover every time you go out fishing -
it's a real bargain of your membership.
Mead is The Home of Angling Club insurance in the UK. For over a decade MEAD Sport and Leisure Limited has
been providing customised high quality insurance products in to the
angling community. Today MEAD is a leading provider of such products in
the UK and has over 1200 Angling Clubs and
Commercial Fisheries on its books.
These
Clubs and Fisheries receive unrivaled personal service from a Company
with an in depth knowledge of all facets of angling and possessing the
flexibility to continue to expand and develop its products with the aid
of one of the leading sports underwriting syndicates at Lloyd’s of
London.
Lloyds
carries a financial strength rating of ‘A’ from AM Best. This is of
paramount importance as they regard our Risk Security to be absolutely
essential especially when one considers the difficulties being
experienced world wide by international insurance companies.
MEAD
continues to expand and can now provide insurance cover for Boats,
Plant and Machinery, Buildings, Lodges and other forms of Holiday
Accommodation so please call if we can assist in this respect.
Please note: this is for public liability cover, it is not for personal accidents or tackle loss cover.
Public and Personal Liability Insurance
Simply Defined for The Angling Community
This cover provides protection for The Club itself and, by definition, its Officers and
Committee Members. The cover would be operative in the event
that a Court Award was made following a ruling that found The Club, or
its officers, had been guilty of negligence that had led to Damage to a
Third Party or their Property. Without this cover, in the event of an
award, The Court could well pursue Officers of the Club on an individual
basis.
Hypothetical Example:"The Club arranged pegs at a particular distance apart for a match and, subsequently, one angler blinded
an adjacent angler. The Court could decide that The Club had been
negligent as the pegs should have been twice as far apart which would
have led to such an accident being avoided".
then there is
Personal Liability Cover - This cover provides
protection should a similar finding be made but The Court decided that
said Damage was the result of an individuals personal negligence. In
other words this cover would be against the individual concerned
operative in circumstances where The Club had no responsibility for the
individual’s actions. This section of the insurance, by definition, also
provides Member to Member cover.
Hypothetical Example: "An individual angler was fishing
socially on Club waters and did not check before casting. In fact a
member of the public was only 12 feet or so behind the casting angler
and he or she was rendered blind in one eye after against the individual
concerned
catching a hook. Obviously The Club could not be held responsible. Any
Court award would therefore be made personally against the individual
concerned".
Without Personal Liability Cover in
place there are certain circumstances in which officers/Committee
members can become embroiled in an Award made against one of their
individual members if that individual is unable to pay such an Award.
It is estimated that over 80% of accidents on or around fishing waters
are due to the negligence of individual anglers and, as a consequence,
are not covered by standard Public Liability insurance. The inclusion of
Personal Liability cover in MEAD’s Club Liability insurance package is
therefore regarded by many as essential.
REMEMBER IF IT IS A PURE ACCIDENT, WITH NOBODY AT FAULT, THEN MEAD CAN PROVIDE
PERSONAL ACCIDENT INSURANCE TO COVER CLUB WORKING PARTIES AND/OR BAILIFFS
(the latter to include Assault if required).
It is necessary to point out that all comments, statements
and hypothetical examples above are just that and, as such, cannot be
used as a benchmark in the context of any factual set of circumstances.
Underwriters cannot be held responsible for any decisions made in a
Court of Law. In certain circumstances, it may be that Underwriters
would consider appealing against any such Ruling if they, and their
advisers, considered it legally appropriate.
FOR CLEAR and PROFESSIONAL ADVICE CALL
MEAD Sport and Leisure Limited:-
FREEPHONE 0800 0850 261 or visit at www.sportsinsurancemead.com
Mead as an appointed
representative of Golfguard Limited
Sport and Leisure Limited have been authorised by The Financial Services
Authority FSA to act as an appointed representative of Golfguard
Limited - FSA firm reference number 310410.
