New Insurance provider for NFA

Northumberland FA have formed a new partnership with long-standing grassroots football insurance broker, UKGlobal

New UKGlobal Insurance Partnership

Northumberland FA have formed a new partnership with long-standing grassroots football insurance broker, UKGlobal.

UKGlobal are an experienced and progressive independent insurance broker dedicated to providing cost-effective insurance solutions for their clients. They are a national business, supporting their clients from regional offices and their Head Office in Manchester. UKGlobal aim to get to know their clients and pride themselves on their flexible, initiative-taking approach and their reputation for advice, customer service and client retention.

This partnership will provide Liability cover (including Public & Products Liability, Employers Liability, Professional Indemnity, Player Legal Defence costs and Directors & Officers Liability) and Personal Accident cover, for all eligible grassroots clubs and leagues.

Liability Cover

The Liability cover will be purchased by the clubs at the point of affiliation at a cost of £25 per club.

The Liability cover complies with the minimum requirements of The Football Association in protecting the County and all its members in respect of their liability to third parties for death, bodily injury or property damage arising from negligent acts. Claims examples include injury from goalposts/ crossbars, spectator facial injuries, glass & sharps, slipping & tripping, road traffic accidents from stray footballs.

The Liability cover also includes legal defence costs up to £250,000, to defend a player accused of negligently injuring another player, provided there is a reasonable prospect of successfully defending the action or prosecution. The policy does not provide cover for awards for damages made to a player injured by another player. For obvious reasons it excludes reckless or wilful breaches of duty which are regarded as deliberate acts of violence. It is not in the public interest or that of Football in general to defend anyone that commits such an offence. If a player is guilty, they should not receive financial protection and they should be responsible personally. The personal accident cover benefits should protect the injured player/party.

IMPORTANT – CLAIMS OR POSSIBLE CLAIMS NOTIFICATION

It is important for clubs to be aware that cover under the Professional Indemnity, Directors & Officers and the Abuse extension under the Liability policy is provided on a ‘claims-made’ basis, as it is under the Marsh policy. If any club or its’ officers are aware of any circumstance that might give rise to a claim, the matter should be notified to Marsh as soon as possible and along with any other incidents, before the end of the current period of insurance, i.e., 30^th June 2024. This is very important as it is the insurer on cover at the time the claim, or possible claim, was first made or notified to the club or one of its’ officers, that pays the claim. If there is something relevant to discuss and you would like some advice on it, UKGlobal are happy to discuss it with you.

In summary, if a club is aware of a possible claim and fails to notify the current insurer (Marsh), the claim will not be paid by the new insurer.

Grassroots Clubs

Please note that the Liability cover is only available to clubs and teams participating at Steps 5 and below. If your club or one of its teams plays at Step 4 and above, please contact UKGlobal as they can provide a separate quotation.

Contract Players

Clubs that have players who are on a standard FA contract basis could find themselves legally liable for negligent acts committed by those players as the wording of the contract states that the contract player is an employee of the club. If your club has any players on a contract basis, please contact the team at UKGlobal to discuss and UKGlobal will advise and assist you further.

Premises & Property Owners Liability

The Public Liability coverage provided by the policy is not designed to provide insurance for clubs that have their own Freehold or Leasehold premises with obligations to fully repair and maintain the facility. The policy is designed for clubs that rent or have the use of municipal and similar facilities. For clubs with their own facilities, Property Owners and occupiers’ liability exposures should be covered under a more specific policy, such as a Commercial Combined or Property Owners policy.

If for any reason a Club that owns its own facilities is unable to obtain this cover at a commercially viable cost as part of a Commercial Combined package that usually offers cover for their Property, Revenue, Employers Liability etc, UKGlobal do include an option to purchase a Property Owners Liability extension to the Liability policy which will be available through UKGlobal direct.

The additional premiums for this Property Owners Liability extension are:

Club Revenue:	Premium:
Up to £30,000	£89.00
£30,000 - £75,000	£189.00
£75,000 - £150,000	£336.00
Exceeding £150k	Price on application

The above premiums are inclusive of Insurance Premium Tax @ 12%

Clubs are encouraged to contact UKGlobal to discuss any questions they may have and receive advice on their specific requirements. UKGlobal can offer cover to include buildings, contents, playing surfaces, sports equipment, floodlights, trophies and field machinery, loss of revenue and full Employers, Public, Products and Property Owners Liability arising from the ownership and operation of such facilities.

Personal Accident Cover

Most of the benefits provided by UKGlobal are superior to those previously provided under the Northumberland FA scheme. The mandatory requirements of Northumberland FA for Personal Accident cover are met under the Youth policy and the Adult Intermediate policy. Details can be found on the attached schedules of benefits for Adult and Youth teams.

UKGlobal offer various levels of benefits catering for the specific needs of clubs and individuals. For example, packages are available for Adult teams that include weekly benefits from £30 to £150 per week for up to 104 weeks.

We are encouraging clubs/teams to look at and discuss the needs of the individuals within a team. Whilst an employed person may continue to be paid by their employer in the event of a footballing accident, a self-employed person may not have that safety net and will most certainly benefit from a higher weekly sum.

These packages (Superior 30 to 150) are available at affiliation on the Platform for Football (PFF) or following direct discussion with UKGlobal. It is important that the needs of all players are met, so the different options available should be discussed and considered with the help of the team at UKGlobal.

Details of the packages available are provided on a separate document.

UKGlobal provide a package of benefits for affiliated referees. The individual should consider their position should they be misfortunate enough to suffer an injury that prevents them from working thus affecting their usual income. UKGlobal welcome the opportunity to discuss with individuals their specific needs and offer an appropriate solution.

All premiums are inclusive of Insurance Premium Tax @ 12% and fees.

Northumberland FA – Personal Accident Packages – 2024-25

Adult Teams

ADULT TEAMS	Intermediate	Superior 30	Superior 50	Superior 75	Superior 100	Superior 150
BENEFIT Description	Premium per team £41.94	Premium per team £67.62	Premium per team £93.27	Premium per team £122.27	Premium per team £147.27	Premium per team £192.27
Temporary Total Disablement (TTD) - Employed	Nil	£30 per week Excess Period 14 days; Benefit Period 104 weeks	£50 per week Excess Period 14 days; Benefit Period 104 weeks	£75 per week Excess Period 14 days; Benefit Period 104 weeks	£100 per week Excess Period 14 days; Benefit Period 104 weeks	£150 per week Excess Period 14 days; Benefit Period 104 weeks
Temporary Total Disablement (TTD) - Unemployed / Students	Nil	£35 per week Excess Period 14 days; Benefit Period 2 months	£35 per week Excess Period 14 days; Benefit Period 2 months	£35 per week Excess Period 14 days; Benefit Period 2 months	£35 per week Excess Period 14 days; Benefit Period 2 months	£35 per week Excess Period 14 days; Benefit Period 2 months
Death by natural causes	£10,000	£10,000	£10,000	£10,000	£10,000	£10,000
Accidental death	£35,000	£35,000	£35,000	£35,000	£35,000	£35,000
Funeral expenses – in the event of a death from accident claim	Up to £5,000	Up to £5,000	Up to £5,000	Up to £5,000	Up to £5,000	Up to £5,000
Permanent Total Disability	£60,000	£60,000	£60,000	£60,000	£60,000	£60,000
Quadriplegia	£100,000	£100,000	£100,000	£100,000	£100,000	£100,000
Paraplegia	£50,000	£50,000	£50,000	£50,000	£50,000	£50,000
Disability Assistance Expenses	Nil	Up to £25,000	Up to £25,000	Up to £25,000	Up to £25,000	Up to £25,000
Rehabilitation Training Expenses	Nil	Up to £10,000	Up to £10,000	Up to £10,000	Up to £10,000	Up to £10,000
Academic Examination Re-sit	Nil	Up to £2,500	Up to £2,500	Up to £2,500	Up to £2,500	Up to £2,500
Permanent Loss of sight, limbs, speech, internal organ	£35,000	£35,000	£35,000	£35,000	£35,000	£35,000
Concussion	Nil	£10,000	£10,000	£10,000	£10,000	£10,000
Permanent Loss of hearing	Both Ears: £35,000 One Ear: £8,750	Both Ears: £35,000 One Ear: £8,750	Both Ears: £35,000 One Ear: £8,750	Both Ears: £35,000 One Ear: £8,750	Both Ears: £35,000 One Ear: £8,750	Both Ears: £35,000 One Ear: £8,750
Additional Travel Expenses - Benefit Period: 4 weeks	Nil	Up to £25 per week	Up to £25 per week	Up to £25 per week	Up to £25 per week	Up to £25 per week
Emergency Medical Expenses	Nil	Up to £500	Up to £500	Up to £500	Up to £500	Up to £500
Emergency Dental Expenses	Up to £100	Up to £100	Up to £100	Up to £100	Up to £100	Up to £100
Broken Bone - Arms, Legs, Collarbone, Cheekbone or Jaw	£250	£250	£250	£250	£250	£250
Broken Bone – Hand or Foot	£250	£250	£250	£250	£250	£250
Broken Bone - Hip	£250	£250	£250	£250	£250	£250
Dislocation - Hip, Knee, Shoulder or Elbow	£250	£250	£250	£250	£250	£250
Snapped, ruptured Archilles Tendon or Anterior Cruciate Ligament	£250	£250	£250	£250	£250	£250
Facial & Bodily Scarring	Nil	£600	£600	£600	£600	£600
Hospital Benefit - Benefit Period 30 nights	£30 per night	£30 per night	£30 per night	£30 per night	£30 per night	£30 per night
Damage to clothing by a medical practitioner	Nil	Up to £100	Up to £100	Up to £100	Up to £100	Up to £100
Coma Benefit - Benefit Period: 365 days	Nil	£30 per day	£30 per day	£30 per day	£30 per day	£30 per day
Counselling	Up to £250	Up to £250	Up to £250	Up to £250	Up to £250	Up to £250
Miscarriage	£500	£500	£500	£500	£500	£500
Student Tutorial Benefit - up to 6 months	Nil	Up to £35 per week, excess period 7 days	Up to £35 per week, excess period 7 days	Up to £35 per week, excess period 7 days	Up to £35 per week, excess period 7 days	Up to £35 per week, excess period 7 days
Medical Certification Expenses	Nil	Up to £50	Up to £50	Up to £50	Up to £50	Up to £50

Youth Teams

Benefit Scale – Youth Teams – All Ages	Premium per team - £17.75
Temporary Total Disablement (TTD) - Employed Club Officials Only	£50 per week. Benefit Period: 52 weeks. Excess Period: 14 days
Death by natural causes	£10,000
Accidental Death	£10,000
Permanent Total Disablement	£100,000
Quadriplegia	£100,000
Paraplegia	£50,000
Rehabilitation retraining expenses	Up to £10,000
Concussion	£10,000
Loss of sight, limbs, speech	£100,000
Loss of hearing - both ears	£100,000
Loss of hearing - one ear	£25,000
Loss of Internal Organ	£40,000
Emergency Dental Expenses	Up to £200
Snapped / Ruptured Achilles Tendon or Anterior Cruciate Ligament - requiring surgery	£250
Additional travel expenses	Up to £100 per week. Benefit Period: 1 month
Emergency Medical Expenses	Up to £500
Broken Bone - Arms, Legs, Collarbone, Cheekbone, Jaw, Hands & Feet	£250
Broken Bone - Fingers and Toes	£75
Broken Bone - Hip	£250
Broken / Damaged Sports Glasses - prescription glasses only	Up to £75
Dislocation - Hip, Knee, Shoulder or Elbow	£250
Facial & Bodily Scarring	Up to £600
Hospital Benefit	£30 per night - Benefit Period: 30 nights
Damage to clothing by a medical practitioner	Up to £100
Coma Benefit	£30 per day. Benefit Period: 365 days
Counselling	£250
Home/Car Adaptation	£25,000
Home Help	Up to £200 per month; benefit period 4 weeks; excess period 14 days
Childcare Expenses	Up to £400 per month; benefit period 4 weeks; excess period 14 days
Medical Certification Expenses	£50
Funeral Expenses	£5,000
Counselling	£250

Referees

Benefit Scale - Enhanced	£4.50 per referee
Temporary Total Disablement – employed persons only	£100 per week; benefit period 52 weeks; excess period 14 days
Temporary Total Disablement – unemployed persons only	£20 per week; benefit period 26 weeks; excess period 14 days
Accidental Death	£15,000
Funeral expenses in the event of an accidental death claim	Up to £2,000
Permanent Partial Disablement	Up to £10,000
Permanent Total Disablement	£30,000
Quadriplegia	£30,000
Paraplegia	£15,000
Disability assistance expenses	Up to £5,000
Rehabilitation retraining expenses	Up to £2,500
Academic examination re-take	Up to £2,500
Concussion	£5,000
Loss of use of one or more limbs, one or both eyes, speech	£15,000
Loss of hearing	£6,000 in one ear; £15,000 in both ears
Loss of internal organ	£5,000
Emergency Dental Expenses (for the immediate relief of pain)	up to £100
Snapped / Ruptured Achilles Tendon or Anterior Cruciate Ligament - requiring surgery	£250
Additional travel expenses	Up to £25 per week; benefit period 4 weeks
Emergency Medical Expenses	Up to £500
Fracture of a bone in the arm, leg, collarbone, cheekbone, jaw	£200
Fracture of a bone in the hand or foot, fingers or toes, ribs	£50
Fracture of a bone in the hip	£150
Broken or damaged sports glasses – prescription only	Up to £50
Dislocation of the hip, knee, shoulder or elbow	£200
Facial & bodily scarring	£400
Hospital benefit	£25 per night; benefit period 30 nights
Damage to clothing by medical practitioner	Up to £50
Coma benefit	£30 per day; benefit period 365 days
Counselling	£250
Physiotherapy – 50% of costs	Up to £40 per session; benefit period 6 sessions
Specialist consultant fees	Up to £200
Pre-paid season or travel tickets	Up to £200

New Insurance provider for NFA

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