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Summary and Guide

This document summarises the cover provided by PlaySafe Gold and PlaySafe policies and should be read carefully before you complete the Proposal Form.

You should also read our Terms & Conditions

There are 2 levels of cover; PlaySafe Gold, which is a comprehensive package, and PlaySafe which is a more basic package. There are also several optional extras you can select if you so choose.

Public and Products Liability

If your group is held legally responsible for an injury to a child or third party, or for damage to a third party’s property then you will be required to pay damages. Public Liability covers these damages and any resulting legal expenses up to a limit of indemnity.

Limit of Indemnity

• £3,000,000 any one cause. (Higher limits available on request)

Automatically Included

• accidental damage to the regular meeting place
• organised and supervised group outings and trips away for a maximum of 3 days (extensions can be arranged)
• fund raising events of a non-sporting nature involving out of school club officials, child members and their families. Other events and circumstances should be advised to Morton Michel for consideration
• legal defence costs and expenses incurred with the written consent of Sterling
• food poisoning
• incorrectly administered first aid treatment
• administration of drugs/medicines in accordance with policy conditions
• administration / provision of oxygen, gastro feeding, naso-gastric tube feeding, cleaning and changing of feeding and tracheostomy / tracheotomy tubes and emptying / changing stoma bags in accordance with policy conditions
• member to member liability
• vicarious liability (as decided in a Court of Law)
• children with special needs
• bouncy castles used by the group for the children attending the group (or other children in their family) in accordance with policy conditions
• use of trampolines in accordance with policy conditions
• contingent motor liability – provides cover for the group if a motor accident occurs in connection with group business, for which the group is legally responsible and the car owner does not have the necessary cover in place. This does not replace or include ordinary motor insurance and it does not cover the motor vehicle or its contents. The group must take all reasonable precautions to ensure that any vehicle used has the appropriate motor insurance. (Morton Michel offers motor insurance schemes designed specifically to support childcare activities. To find out more details about the specialist cover for private cares, people carriers and mini buses, call 0800 975 4898).

Territorial Limits

• anywhere in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands

Main Exclusions

• provision of advice or breach of professional duty
• sale or supply of medicines, drugs, syringes, dressings or medical supplies or equipment of any kind whatsoever
• property belonging to the group, or in its care, custody or control
• personal property of staff, children and members attending the group
• use of aerial runways, scrambling nets, tree walks and other structures which have been constructed or partially constructed from materials not originally intended for play or recreational use, eg: telegraph poles, tyres and drainage pipes (please refer to Morton Michel if in any doubt)
• liability arising out of asbestos or its derivatives
• terrorism, war and kindred risks
• fines, penalties or liquidated, punitive or exemplary damages
• treatment (other than first aid treatment, the adminsitration of drugs / medicines in accordance with policy conditions and the adminsitration / provision of oxygen, gastro feeding, naso-gastric tube feeding, cleaning and changing of feeding and tracheostomy / tracheotomy tubes and emptying / changing stoma bags in accordance with policy conditions)
• inflatable play equipment other than bouncy castles used by the group for the children attending the group (or other children in their family)
• activities not advised to and agreed in writing by Morton Michel.

Employers’ Liability

If you are an employer, you are required by law to have Employers’ Liability insurance. This covers you in case an employee suffers an accident at work for which you are held legally responsible. Employees include paid or unpaid supervisors, students, work experience students, trainees and volunteers.

Limit of Indemnity

• £10,000,000 any one cause..
  (£5,000,000 if arising out of terrorism)

Automatically Included

• legal costs incurred in the defence of criminal proceedings in respect of a breach of the Health and Safety at Work etc Act 1974 – limit £10,000 in any one period of insurance
• legal defence costs and expenses incurred with the written consent of Sterling.

Territorial Limits

• anywhere in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.

Legal Expenses

Cover, which is provided by DAS Legal Expenses Insurance Company Limited (DAS), will pay your legal costs including solicitors’ and barristers’ fees, court costs, expenses for expert witnesses, attendance expenses and accountants’ fees.

Limit

• £50,000 any one event

Automatically Included

• employment disputes and compensation awards that might arise with your employees (such as unfair dismissal)
• legal defence in the event of a criminal prosecution arising from your business activity (such as alleged child abuse of the the children attending your group)
• a legal representative to support you if you are asked to go to the police station for a matter relating to your business
• taxation disputes with HM Revenue and Customs
• contract disputes of over £250, if a parent breaks with your contract terms
• recovery of a debt of over £250, if a parent fails to pay for your services
• legal action to obtain compensation or an injunction following damage to, or trespass on, your property
• legal action to obtain compensation for death or bodily injury
• loss or registration.

Main Exclusions

• costs and expenses incurred before the written acceptance of a claim by DAS
• any civil claim which does not offer reasonable prospect of success.

PlaySafe Gold

PlaySafe Gold provides insurance cover for Public, Products and Employers' Liability and Legal Expenses, as well as the following additional cover.

Group Equipment

Equipment belonging to you or for which you are responsible is covered, whilst kept in group premises, against fire, lightning, explosion, aircraft, theft involving violent and forcible entry or exit, riot or civil commotion, malicious damage, earthquake, impact by vehicles, storm, flood, sudden escape of water or oil, or falling trees or branches.

Sum insured £5,000 (more if required).

Automatically Included
(subject to adequacy of sum insured)

• debris removal
• fixed property in the open (other than for storm, flood, theft or malicious damage)
• damage to the premises caused by theft involving forcible and violent entry provided you are responsible for the repair of such damage
• accidental damage to sanitary ware, underground pipes or cables, up to £1,000.
• cost of refilling fire extinguishers if discharged because of fire
• loss of metered water up to £2,500
• external fixed CCTV equipment and security lighting up to £1,000
• other fixed property in the open, including fixed play equipment, (other than for storm or flood) up to £2,500
• replacement of locks and keys following theft of keys up to £1,000
• the structure of any timber or metal sheds at the premises that are used for storage up to
  
  • £1,500 in total for timber sheds
    
  • £2,500 in total for metal sheds
    
  • maximum £2,500 in total overall
• the contents of any timber or metal sheds at the premises up to
  
  • £1,500 in total for timber sheds
    
  • £2,500 in total for metal sheds
    
  • maximum £2,500 in total overall

Main Exclusions

• the first £100 of each claim
• property not locked in a room, hall, cupboard or shed at the end of every group session
• loss or damage caused by other authorised users of the premises
• terrorism, war and kindred risks.

Optional Extra

This cover can be extended to allow for accidental damage to your equipment at the group’s premises.

NB: Please keep receipts when you buy any equipment for your group because the insurers need to see these as proof of purchase should you have to make a claim. Claims can be settled much quicker if the receipts can be produced.

Deterioration of Refrigerated/Frozen Food

Loss by deterioration of stock in any freezer or refrigerated cabinet following breakdown or accidental damage, or failure of public electricity supply.

Sum insured £300 (more if required).

Main Exclusions

• the first £25 of each claim
• equipment more than 10 years old.

Group Money

Covers loss of money whilst

• in transit or in a bank night safe - £2000
• on the premises during business hours - £2000
• in the home of any authorised group official - £1000
• on the premises outside business hours in locked safe - £1000
• on the premises outside business hours not in a locked safe - £350

Main Exclusions

• the first £50 of each claim
• loss from any unattended vehicle
• money on the premises during business hours not contained in locked safe, locked desk or locked filing cabinet
• fraud or dishonesty of any group official unless discovered within seven working days
• shortages due to error or omission
• dishonoured cheques or use of counterfeit money

Personal Assault

Group officials aged between 16 and 70 are automatically provided with compensation if they sustain bodily injury or death following an assault whilst handling money in connection with your business.

Compensation Levels

• death, loss of limb(s), loss of sight or permanent total disablement: £20,000
• temporary total disablement (up to 104 weeks): £50 per week.

Main Exclusions

• the influence of drugs or liquor
• pregnancy, childbirth or any communicable disease

Group Officials’ Personal Money

Covers loss or group officials' personal money occurring at the premises during group sessions.

Limit £100 any one group official

Main Exclusions

• the first £10 of each claim
• fraud or dishonesty of any group official
• dishonoured cheques or use of counterfeit money
• any amount recoverable under any other policy of insurance

Personal Clothing for Staff and Children

Covers the loss of, or damage to, the personal clothing of group staff and children, occurring on the premises during any group session.

Limit £100 any one group official or group child.

Main Exclusions

• the first £10 of each claim
• any amount recoverable under any other policy of insurance
• wear, tear, depreciation or diminution in value
• any damage caused by cleaning, repairing, altering or maintenance of property.

Personal Accident for Staff and Children

The majority of accidents are dealt with under Public or Employers’ Liability insurance. However, some accidents are not anyone’s fault and the group cannot be held responsible. In these circumstances, the Personal Accident insurance will give compensation provided that the accident occurred: a) whilst the victim was engaged in organised and supervised group activities, and b) the victim suffered one of the injuries specified in the following chart.

Compensation Level

Injury	Staff aged 16-70	Group Children
Loss of limb(s)	£20,000	£20,000
Loss of sight	£20,000	£20,000
Permanent total disablement	£20,000	£20,000
Temporary total disablement	£50 per week (up to 104 weeks)	Not applicable
Death	£20,000	£5,000

Main Exclusions

any injury or death caused by

• hazardous sports and pastimes
• the influence of drugs or liquor
• pregnancy, childbirth or any communicable disease
• terrorism, war and kindred risks.

Optional Extras

Your insurance may be extended to include any of the following:

Buildings (optional extra)

(subject to adequacy of sum insured)

Buildings and outbuildings can be covered against fire, lightning, explosion, aircraft, theft involving forcible and violent entry or exit, riot or civil commotion, malicious damage, earthquake, impact by vehicle, storm, flood, sudden escape of water or oil, falling trees or branches.

Automatically Included

• accidental damage to sanitary ware, underground pipes or cables
• architects’ and surveyors’ fees
• debris removal
• public authorities costs.

Also Covered

• all fixed external glass
• property owner’s liability, limit £2,000,000 (higher limits available on request).

Main Exclusions

• the first £200 of each buildings claim
• the first £50 of each glass breakage claim
• subsidence, ground heave or landslip
• fences and gates
• liability arising out of asbestos or its derivatives
• terrorism, war and kindred risks.

Click here to download a quotation form for building insurance.

Loss of Revenue (optional extra)

Provides protection against financial loss during the period taken for the business to return to normal following loss or damage by any of the events covered under the Equipment section. Reasonable costs incurred to maintain the business following loss or damage are included.

The sum to be insured should be based on your estimate of the gross revenue to be earned in the next twelve months (or any longer period that you choose) with allowances for anticipated growth and inflationary factors.

Automatically Included

• unrecoverable outstanding debit balances
• prevention of access due to damage to nearby premises
• loss caused by damage at land based premises of public utilities or telecommunication undertakings
• accidental failure of electricity, gas or water supplies at the terminal ends of the public supply undertaking's feed to the premises (unless such failure is for a period of less than sixty minutes)
• the occurrence at the premises of poisoning, murder or suicide
• closure due to defective sanitation, vermin or pests
• outbreak of human infectious or contagious disease at the premises.
• wages for replacement staff following suspension by OFSTED, or other registering authority, of employees accused of child abuse, up to £2,500.

Main Exclusion

• terrorism, war and kindred risks.

Trustees’ and Officers’ Financial Liability (optional extra)

If your group is forced to close with insufficient assets to cover outstanding debts, the trustees or officers of your group may find themselves held responsible for such shortfall.

Three levels of sum insured are available for all claims by all trustees and officers of your group.

£5,000/£7,500/£10,000

The closure of the group must be outside the control of the trustees or officers.

Main Exclusions

• the first £25 or 5% of each claim, whichever is the greater
• fraud, embezzlement, misappropriation or other criminal act of any trustee or officer
• shortfall resulting from dishonoured cheques, use of counterfeit money, clerical/accounting errors or shortages due to error or omission
• losses arising from the closure of the group within the first six months from inception date.

Professional Indemnity Extension (optional extra)

Your Public Liability section can be extended to cover your group’s legal liability in the event of a group official making an error, or omitting to do something that they should have done, or committing libel or slander; provided that all such actions are unintentional.

Limit of Indemnity

• £250,000 and £500,000 are available.

All Risks (optional extra)

As an alternative to the specified perils insured by the Group Equipment section, you may prefer to have certain items of equipment covered for accidental loss or damage occurring anywhere in the UK.

Sum Insured

Full replacement cost of the property.

Main Exclusions

• the first £100 of each claim
• wear and tear
• theft from unattended vehicles
• storm or flood unless the property is contained in an enclosed vehicle or in a building
• electrical or mechanical breakdown
• breakage of brittle articles (unless part of photographic equipment)
• terrorism, war and kindred risks.

Terrorism (optional separate policy)

If you require cover against acts of terrorism, we are able to offer a separate policy that will

• cover most causes of terrorism damage including biological, chemical or radioactive contamination
• apply to all property insured under your PlaySafe policy, up to the full value sums insured that you have selected
• include cover against loss of revenue and book debts, if required, up to the sum insured under your PlaySafe policy.

If you would like a quotation for this extra cover, please contact Morton Michel.

IMPORTANT

If you wish to insure your equipment please make sure that you select PlaySafe Gold.

To obtain the full benefit from your insurance it is important that the sums insured are adequate at all times. If they are inadequate then, in the event of a claim, the amount payable will be reduced in proportion to the degree of under insurance.

It makes sense to review the sums insured regularly, particularly if you have refurbished your premises or purchased new equipment.

Seek professional advice to ensure that the sums insured are correct.

If you have any queries regarding insurance for your group please contact

Morton Michel,
Alhambra House
9 St Michaels Road
Croydon
CR9 3DD

Tel: 0845 257 0118
Fax: 0845 2570547/0548

www.mortonmichel.com

Guide to Security

Click here to read the Guide to Security.

Special Condition

This document summarises the cover provided by PlaySafe Gold and PlaySafe policies and should be read carefully before you complete the Proposal Form.

Demands and Needs
Morton Michel does not make recommendations or provide advice. The PlaySafe policy has been designed to meet the demands and needs of out of schools clubs but you will need to make your own choice as to how you wish to proceed.

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