Summary of Insurance Covers for Registered Members of Canoeing Ireland
Summary Document Only
Public liability – Features and Benefits
(Included within Canoeing Ireland Membership and valid for registered members and/or Clubs Only)
The definition for public liability insurance is as follows:
- Legal liability to pay damages consequent upon bodily injury, illness or disease contracted by any other person, other than employees, or loss or damage to their property caused by a registered member, club or organisation.
- Public liability insurance is designed to compensate you in the event that a member of the public or company sues you, whereby they feel they have suffered a loss as a direct result of your actions or those of your employees / volunteers.
Summary of Benefits:
Public Liability insurance protects registered Canoeing Ireland Members and Affiliated Clubs against claims by third parties for property damage and/or bodily injury as a result of any negligence on the part of the affiliated Club and/or its registered members.
The cover applies to all sanctioned activities of the Sport including:
- Fund raising
- Open days
- Club Competitions
- Worldwide trips and tours etc.
The policy also covers:
- Protection for all trustees, committees, officials and individual members
- Automatic indemnity to the owners of venues used e.g. councils etc.
- Liability for actions of aggressive participants**
The current limit of indemnity is €6,500,000.
The excess applicable is €1,000 for each and every claim and this is to be paid by the member involved in any claim.
Any Club or Organisation that own property and rent out their facilities to other Clubs or Organisations require additional cover to provide protection against claims should a member of this organisation be injured whilst on their premises and is subject to an additional premium.
*This policy shall apply separately to each member as if a separate Policy has been issued to each but the total liability of the Company shall not exceed the amount of indemnity. Excludes any claims in respect of any player-to-player liability.
Note: All liability policies exclude any damages awarded resulting from criminal negligence.
IMPORTANT: This policy excludes claims attributed/arising from non-registered Canoeing Ireland members/clubs
Please see policy document for full policy wording
E & O E
Professional Indemnity – Features and Benefits
Professional Indemnity Insurance provides cover if you become legally liable to a member of the public following an error or omission in the professional advice or service you have provided your client and as a result have suffered a financial loss.
The current limit of indemnity is €1,300,000.
Employers Liability – Features and Benefits
Insurance’s Employers Liability Policy covers your organisation for the cost of compensation and associated legal costs for which you are legally liable, for injuries sustained by your employees in the course of their employment in connection with your business activities.
Summary of Benefits:
This policy provides indemnity in the amount of €13 million
Excess €500.00 for each and every claim
Indemnity is provided to any Director, Employee or senior official of the Insured in respect of any claim brought against you in a personal capacity and arising out of or in connection with your business.
For the purposes of the policy cover, employees include full-time, part-time, temporary and seasonal employees including persons on work experience programs
Directors & Officers – Features and Benefits
Directors and officers liability Insurance (often called D&O) is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification (reimbursement) for losses or advancement of defence costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers. Such coverage can extend to defence costs arising out of criminal and regulatory investigations/trials as well; in fact, often civil and criminal actions are brought against directors/officers simultaneously. Intentional illegal acts, however, are typically not covered under D&O policies.
The D&O Indemnity Limit is €750,000
Excess €500.00 for each and every claim
Personal Accident – Features and Benefits
(Included within Canoeing Ireland Membership and valid for registered members and/or Clubs Only)
Personal Accident covers all registered Canoeing Ireland members of each affiliated Club (including committee members, coaches and officials) for a range of benefits payable in the event of an accidental injury during participation, including training and travelling to and from events or training sessions. Training is deemed to be official sanctioned training only. Travelling is only covered whilst as a member of an organised party under the direction of the Insured, and specifically excludes any travel by motorcycle.
Summary of Benefits
As the group Personal Accident policy offers a specified amount of cover during participation and/or training within Ireland
| Cover | Sum Insured |
| Death | €25,000 |
| Total and irrecoverable loss of use of all sight in both eyes and / or total and irrecoverable loss of use of both hands or both feet or of one hand and one foot | €25,000 |
| Total and irrecoverable loss of use of one hand or one foot together with total and irrecoverable loss of all sight in one eye | €25,000 |
| Total and irrecoverable loss of all sight in one eye or total and irrecoverable loss of use of one hand or one foot | €25,000 |
| Permanent Total Disablement (other than as listed above) from engaging in or attending to any profession, business or occupation whatsoever provided always that the Benefits shall not be payable until such disablement has continued for a period of twelve calendar months. | €25,000 |
| Medical Expenses | €1,000 (Excess €250) |
Claims Procedure:
- In the event of needing to make a claim please contact info@canoe.ie
- Email O’Driscoll O’Neill. Her contact details are sport@odon.com and CC Canoeing Ireland info@canoe.ie with brief details, please include contact details, date of incident, nature of injury and how incident occurred
- On confirmation of current registered membership to ODON from Canoeing Ireland, you will be issued a claim form to complete, you will need to complete same and return along with supporting documentation as requested
- Should you have any queries in relation to your claim please phone ODON on 01 6395808.
Please see below for answers to some of the common questions that get asked in the Canoeing Ireland office with regards insurance. If you have more queries or wish to read the content cover from the insurer, please click here or email info@canoe.ie.
FAQ to Specific Queries
Q. Is there a difference in the cover for a professional instructor (paid by client) and a volunteer instructor?
A. Yes, instructors are only covered when working in a voluntary capacity (i.e. expense payment only). Professional full time instructors require their own cover.
Q. Does the 1.3 million cover extend to the UK? If so are there any special requirements?
A. The PI cover is for up to €1.3m and cover extends to the EU
Q. Is Europe included in the travel cover?
A. Cover extents to the EU.
Scenario Based Queries
Q. CI member goes on a river trip with a non-CI member and is injured by them, who’s covered?
A. CI member only.
Q. Is a level 2 instructor responsible for a group of less experienced paddlers on moving water?
A. Cover falls in line with the rules of the association
Q. A CI member injures themselves when lifting their boat in the clubhouse, does CI insurance cover them?
A. Yes
Q. A CI member injures themselves when lifting their boat on the out of the river, does CI insurance cover them?
A. Yes
Q. Is a CI member insured when paddling abroad on holiday?
A. Yes within EU.
Q. Is a CI member insured when participating in training abroad?
A. Yes within EU.
Q. Examples of committee actions where insurance is covered.
A. Libel, Slander, Defamation.
Q. A CI member accidentally injures another CI member during a polo game?
A. Yes
Q. If a kayak fell off a parked club trailer and hurt 1) a club member or 2) a member of the public; does the CI policy cover a claim made against the club in these cases.
A. Yes