Insurance (clubs)
The major issues that seem to be facing clubs in the UK is adequate risk assessments , and then being continually updated. As Social distancing becomes more common place there is a tendency to be more relaxed and complacency kicks in. We have advised every 2 weeks for the clubs Risk Assessments to be updated.
Correct signage is important and Bartons were issuing some for free.
https://www.facebook.com/groups/restartsailing/permalink/254147772461085/
Buildings (see the link below)
https://www.zurich.co.uk/business/coronavirus/risk-management (helpful advice from Zurich which is generic and not specific to sailing clubs)
Race officers single family or single house groups to run racing (this is now 6 persons)
Safety boats (as per Race committee)
Racing some clubs have imposed wind limits to the fleets to avoid rescue boats being over worked - especially after a long period not sailing. This is for the clubs to decide.
Generally insurers have been very helpful and flexible to sailing clubs we have seen premium refunds as clubs have no income so turnover is reduced and therefore premiums can be reduced some insurers have refunded and some have not but the 2 big ones in the UK have been very flexible.
The main advice is that clubs should be covered as long as they follow the Government advice if they don't and have a claim then the insurers will query the decision making tree very intently.
Risk assessments are key and should be adhered to, again in the event of a claim, insurers will ask to see them
Make sure the clubs have Directors and Officers cover in place for their committee's this should have been in place before the Covid 19 lock down
If in doubt - give a broker a call.
Kind regards
Malcolm Stewart MA , BA (Hons) | Branch Manager
A-Plan Commercial Marine Insurance .
malcolm.stewart@aplan.co.uk
07900 740455
Last updated 10:11 on 19 June 2020
