Do fan clubs require employers liability insurance?
Employers liability insurance for fan clubs is a legal requirement in the United Kingdom for all businesses and companies that employ people, even on a part time basis and it is vital that all employers arrange the insurance both correctly but also at a reasonable cost. There are a few exceptions to the legal requirement and more information on this may be found on our main employers liability page but for the most part employers require the cover.
How much employers liability insurance does a fan club need?
The law requires that you hold a minimum limit of indemnity of £5M in respect of claims however insurers generally issue policies with a limit of £10M although higher limits are available.
How do I buy employers liability for fan clubs?
Despite the legal requirement for employers liability it is not generally available as stand-alone policy and is bought alongside a public liability insurance policy or as part of a package insurance policy such as commercial combined.