Contact details
Essex FA
The County Office,
8 Springfield Lyons Approach,
Springfield,
Chelmsford
CM2 5LB
Telephone: 01245 465271
Email: info@essexfa.com
Website: www.essexfa.com
Essex FA Insurance Scheme
Scheme Frequently Asked Questions
WHAT INSURANCE POLICIES DO WE NEED?
You are required to have two separate insurance policies in order to participate in affiliated football:
Personal accident insurance – this insurance provides benefits to your own players if they become injured whilst participating for you club.
Public liability insurance – this insurance is designed to protect your legal liabilities in the event of legal action coming against your club for negligence.
Optional Products
Cyber liability insurance – Cyber liability insurance brought to you by our working partners ‘Beazley’ and offering their market leading Beazley Breach Response coverage. We include a free website scan and report on all quotations.
Employment practices liability insurance – EPL provides cover to employers in respect of claims made by employees arising out of alleged wrongdoing relating to their employment. Cover includes as standard, unfair dismissal, harassment, bullying and discrimination.
Trustees liability insurance – Do you act as a trustee? Do you take responsibility for managing money or assets that have been set aside in a trust for the benefit of someone else or local community? Available for businesses, sports clubs, boards of trustees or governing bodies.
Property & equipment insurance – this is designed to protect the club assets, i.e. club houses or training equipment.
Sports travel insurance – if you are planning on a sports tour outside of the UK.
MAKING A CLAIM?
If you wanted to make a personal accident claim then please email claims@sportsguard.co.uk and request a claim form.
To view all the current claim procedures, please click here.
WE HAVE RECEIVED A LEGAL LETTER, WHAT DO WE DO?
If you receive any kind of legal letter from a solicitor accusing you of any wrongdoing then please send it through to us unanswered as quickly as possible.
You can call us on 01604 644277 and we will give you a dedicated person to liaise with from offices.
DOES MY County FA HAVE A MINIMUM CRITERIA FOR PERSONAL ACCIDENT INSURANCE?
Personal accident insurance
The policies provided by Sportsguard are designed to meet the minimum criteria for your County FA.
Please note:
Personal accident insurance is a mandatory requirement of your affiliating County FA and they will not process your affiliation until you have adequate insurance in place.
HOW DO I JOIN THIS INSURANCE SCHEME?
This can only be purchased via your County FA as part of the affiliation process.
You should contact your affiliating County FA and ask to speak with the affiliations team.
I NEED PUBLIC LIABILITY DOCUMENTATION TO SHOW A VENUE
The “Evidence of Insurance” can be sent to you by contacting your affiliating County FA or getting in touch with us.
HOW DO WE ASK MORE QUESTIONS?
If you have any concerns or wish to talk to a member of our team, please get in touch.
t. 01604 644277
e. feedback@sportsguard.co.uk
You can also see answers to common questions on our FAQ section.
General Legal Information
Duty of Disclosure
PLEASE READ CAREFULLY: You have a duty under the Insurance Act 2015 to make a fair presentation of the risk to insurers. This duty applies when you take out your insurance cover, throughout the life of your policy, and when you renew your insurance.
The Act includes a need for you to undertake a reasonable search for material information which is known, or ought reasonably to be known, by your company’s principals, directors, senior management (i.e. anyone playing a significant role in making business decisions in your firm) and staff responsible for insurance. You should advise us of any particular concerns which led you to seek insurance cover and any special or unusual facts relating to the risk.
You must ensure that all material statements of fact are substantially correct and not misleading, and any material information which is a matter of expectation or belief (e.g. an estimate or forecast) is provided in good faith. Failure to disclose any material information or change in circumstances to your insurers which could influence the cost, or their decision to accept your insurance, could mean that your policy could be invalidated or cancelled without refund, or that part or all of a claim may not be paid.