A brief description of the cover
BSAC’s Members Liability insurance policy provides BSAC members with:
Public Liability – provides cover for your legal liability to pay compensation (including legal costs) for death or bodily injury, or damage to third party property arising in the course of your activities as a BSAC member, BSAC Instructor or BSAC Club, provided that you are operating within your BSAC qualification. There is an extension for 'Member to Member' liability included within the policy should you injure/cause the death of another BSAC member. There is an additional extension for 'Indemnity to Principals', which covers damage to any premises you may hire from a third party.
Please see the Insurance Q&A document for more information.
The following activities are included (but this list is not exhaustive):
- Club diving trips
- Club officers insurance
- Club social/fundraising events
- Try dives
- Compressor operation
- Rebreather diving
The limit of indemnity for third party liability is £15,000,000.
As this is a civil liability policy, the current policy does not include liability arising from some deliberate criminal acts, but does include legal defence costs relating to non-deliberate manslaughter, corporate manslaughter & culpable/involuntary homicide, in relation to a diving activity/incident, for clubs and members.
This policy applies anywhere in the world but currently excludes these UK Sanctioned Countries; Iran, Syria, Crimea, Ukraine, Russia. This means that members are not covered to dive in these countries but any member living in these Countries (if they are UK domiciled i.e. have a UK address) are covered to dive anywhere else that the policy cover applies. In addition North America (USA & Canada) are excluded. Due to restrictions imposed by local laws if you live in Bahrain or Kenya you are not covered to dive in either of these countries but you are insured to dive in any other countries the policy limits extend to. Please ensure your EU NHS card is still valid prior to travelling to EU Countries.
The following documents may be useful but if you have any further questions regarding the Members Liability insurance, please email Wendy Meadows or call 0151 350 6218 or 07788 717225.