Insurance for Members, Coaches and Clubs

British Wrestling has arranged personal accident and liability insurance for all of its members, coaches and clubs.  

The British Wrestling insurance policy covers:   

  • Registered individual members 
  • Licenced coaches and assistant coaches 
  • Member clubs, officials, committee members, employees and volunteers 
  • National and international referees 
  • Affiliated club activities and training 
  • British Wrestling organised events and registered competitions 
  • British Wrestling board, employees, volunteers and officials acting on behalf of the organisation in an official capacity 

The cover is valid when taking part in official wrestling activities including: 

  • Training in British Wrestling Affiliated clubs 
  • Participating in British Wrestling registered activities/events in the UK  
  • Wrestling competitions overseas (excluding USA and Canada) 

Coverage depends on what type of member you are: 

Whether you are an individual participant, referee, coach or official, you are provided with insurance to protect yourself and others as you take part in wrestling activities. 

Every Standard and Full member is covered for: 

Public Liability – up to £10million per claim  

Public Liability insurance covers accidental bodily injury to third parties and damage to third party property.

If you cause accidental bodily injury to someone during the course of your official Wrestling activity, the public liability is there to pay for associated costs and damages. 

Personal Accident cover for Full members 

Personal Accident insurance provides a set financial payment in the event of an accidental injury applicable during a British Wrestling sanctioned activity.

Payouts are fixed – there is a list of injuries covered, with a fixed payout for each one. 

For more details, see Policy and Document Hub.

Additional Cover For Licensed Coaches 

As well as the above Personal Accident and Public Liability insurance, licensed coaches, including assistant coaches are also provided with Professional Indemnity insurance. 

Professional Indemnity insurance – up to £5million per claim/aggregate per year 

As a licensed British Wrestling coach, you are protected by British Wrestling’s Professional Indemnity insurance policy. It covers you for any claims made against you relating to errors or omissions made during the course of your coaching activities. 

British Wrestling coaches are insured to coach outside of British Wrestling club environments only in the following circumstances: 

  • You are coaching in line with your qualifications only 
  • Turnover generated must not exceed £10,000 per annum 
  • You must not have employees/volunteers working for you 

If you are unable to comply with any of the above, separate insurance will be required. 

For more details of what is covered and what isn’t, please see Policy and Document Hub.

Additional cover for clubs 

As well as the above Personal Accident,  Public Liability and Professional Indemnity insurance, clubs are additionally provided with the following: 

Employers’ Liability – up to £10 million per claim 

This provides cover for the club if it is held liable for an injury that an employee suffers during the course of their role, be it paid work or volunteering. 

Directors’ & Officers’ Liability – up to £5 million per policy year  

Directors’ & Officers’ insurance provides protection for clubs’ committee members, directors and trustees of a club, if an allegation is made against them that relates to their management of the club, such as if a third party pursues a regulatory investigation, legal proceedings or damages. 

For full details of the insurance coverage, please see the Policy and Document Hub.

Please note: individuals are only covered when holding a current Standard or Full British Wrestling membership 

The British Wrestling Starter membership is designed for new/prospective members covering them under the insurance policy for Public Liability (that is, injury to others) but not Personal Accident (i.e. injury to themselves.) The Personal Accident coverage starts when they officially become a British Wrestling Full member. 

The British Wrestling Standard membership permits the holder to train and participate in interclub activities, and also covers them with the above Public Liability cover. 

The British Wrestling Full membership permits the holder to train and participate in interclub activities and competitions, and also covers them with the above Public Liability and Personal Accident cover. 

Policy exclusions 

The below is a summary of exclusions to be aware of:  

  • £250 excess in respect of Public Liability
  • £250 excess in respect of the Directors & Officers Liability
  • Participant-to-participant incidents
  • Communicable disease claims under the Public Liability
  • Fines, penalties and punitive damages
  • Nuclear and war risks
  • Deliberate, dishonest or foreseeable acts
  • Damage to or loss of property in your custody or control
  • Risks that require more specific insurance, i.e. motor 

For a full copy of the policy wording, please see Policy and Document Hub.