You are insured for the following activities only:
It is your responsibility as coach to ensure that the venue is fit for play. If there are any issues with regard to the maintenance or condition of the driving ranges/courses you should not proceed with the coaching session and raise the issue with the managing entity immediately.
If you do not address the fitness of the venue for coaching/play and an accident arises as a result you may be held liable.
If you coach under a trading name (e.g. John Smith t/a Elite Golf Coaching) as long as you are working as a sole trader, cover will still apply.
Your membership and insurance with the PGA will cover you and your limited company in very specific circumstances. Cover is specific to you as a coach when coaching on behalf of your limited company.
PGA members and their businesses will continue to need a separate insurance policy if:
If you require separate insurances, please contact Howden direct on 0121 698 8160 or email pga@howdengroup.com
Cover will respond for your custom fitting, including if as a result of the fitting a claim is brought. An example of this is following a custom fitting a club breaks causing injury to a third party and it is found it occurred as a result of the custom fitting you implemented.
If you are a PGA member you are covered to work abroad temporarily as long as your permanent residence is in the UK or European Union. If you move outside of these territories to live you must arrange your own insurance in your new country of residence.
As a Coach, you may have Assistant Coaches or volunteers (even if unpaid) working for you as part of your activities, in which case you have a duty of care to them under Health and Safety at Work legislation. If they are injured and hold you responsible, the Employer's Liability insurance will protect you. If you require this additional cover please contact Howden on 0121 698 8160.
Personal Accident benefits are not provided by the PGA Insurance scheme. If you wish to seek legal advice for an injury for which you deem a third party responsible you can contact the Arag Legal Helpline on (+44) 0330 303 1846 for advice on how to pursue a claim.
Please contact Karen Stewart at Howden on 0121 698 8046 or alternatively email karen.stewart@howdengroup.com.
Please contact Lindsey Morris at the PGA email lindsey.morris@pga.org.uk.
A bespoke Policy has been arranged for you with Arag plc, please view the Legal Expenses page on this website.
Yes:
Restricted cover applies in respect of legal actions brought within the USA or Canada.
If you are arranging any 2 or more of the following for your clients - travel, accommodation and/or activities, there is an exposure to tour operators liability and we would recommend you look to take up a Tour Operators insurance policy, in addition to liability insurance. Essentially, as a Tour Operator you are not only responsible for your own actions, you are also responsible in law for the actions of the suppliers you use - this creates additional risk.
Claims could occur in the following situations:
The above is not exhaustive, and there are of course other scenarios which could give rise to a claim but hopefully the above gives you an idea of what to consider.
Yes, cover only applies to the activities listed on your certificate of insurance, issued to you by the PGA.
Please note no insurance cover is provided for the following activities:
No the policy does not cover this activity.
Yes, £250 for claims relating to third party property damage.
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