[Newsletter] Insurance Update

[Toby Manning]

On 12 September I circulated a note suggesting that our insurance cover 
was substantially less than we had previously understood from the 
Insurance Company.

The Board are still trying to resolve the issue, but our understanding 
is as follows:

a) BGA clg has had, and will continue to have, full Public Liability 
Insurance (PLI). This covers all events run by the BGA itself (British 
Congress, British Championship, British Youth, Youth Go Camp, etc. ) but 
probably not events run by clubs or individuals (e.g. most regional 
tournaments).

b) We are investigating the possibility of obtaining event insurance  
covering specific events. Our thoughts are that we would seek to obtain 
cover for, say, 50 specified events each year. This would enable us to 
provide  cover for every regional tournament plus some teaching events, etc.

c) We believe it is unlikely that we will be able to get insurance 
covering all BGA clubs - this is rather too open-ended for an insurance 
company to cover, although we are still making enquiries.

You may ask the question*"Why do we need Pubic Liability Insurance 
anyway? What are the risks?*" It is a very good question.

Public Liability Insurance is what it says: insurance against claims 
from a third party (i.e. a member of the public) who has been adversely 
affected by our operations. Fairly obviously if you are playing golf you 
will need this: there is too much risk of a ball heading off in the 
wrong direction. But it is not clear what is the risk from playing Go. 
It does NOT cover the risk to us (or others) from the building itself; 
if the roof falls in (think RAAC concrete) then this is the 
responsibility of the building owners and any insurance we might happen 
to have would be unlikely to pay out.

I suspect the biggest risks are dropping a go set on somebody's foot, or 
a laptop being used to run the draw catching fire.

Nevertheless some landlords (but not all) will demand PLI as part of 
their contract to let their hall, community centre or other building.

Toby Manning
BGA President

-- 
Toby Manning
26 Groby Lane
Newtown Linford
LE6 0HH
01530 245298 (best)
07798 825299
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