Why do we need insurance?
Its purpose is to handle claims made against an ARA by the public for damages from accidental injury or accidental property damage. If through the "negligence" of an ARA when organising an activity some person (be they members, non-members or the general public) suffers accidental injury or accidental property damage the committee and members of the ARA could be held personally liable to pay compensation to the victim.
What does the term "negligence" mean?
Whether or not negligence was involved may need to be decided by a court. However, without getting too technical negligence means that there was a failure by an ARA to take reasonable care when organising some activity, function or event and that as a direct result someone was injured or their property was damaged.
Are non members "covered" under the scheme insurance?
Public Liability insurance does not "cover" people. What is covered is the legal liability of an ARA for claims made against it for accidental injury or accidental property damage. For further information on this matter, please call Insurances & Financial Services.
Would the insurance of the hall owners not cover our ARA?
No. Insurance arranged by a hall owner will only cover the legal liability of the hall owner not the liability of groups who hire the hall.
Is that not double insurance? No. Each party has distinct liabilities. The hall owner would be liability for injury caused by his negligence e.g. by a defect in the floor, carpet or stairs. While an ARA who hire the hall would be liable for injury caused by their negligence in organising the activities that they run there.
Are injured people automatically compensated?
No. To succeed in a claim against an ARA a claimant would have to prove, perhaps in court, that he/she suffered injury as a direct result of the "negligence" of the ARA.
Public Liability insurance must not be confused with Personal Accident Insurance (e.g. a travel insurance policy) under which an injured person would receive compensation simply because they suffered injury. That form of insurance would be fifty if not a hundred times more expensive than Public Liability.
Are all activities covered?
The Insurance Scheme covers the legal liability of an ARA arising out of the organisation of the long list of activities shown on the Certificate of Insurance which has been issued to each ARA who are members of the Insurance Scheme.
If an ARA needs cover for additional activities they should contact Insurances and Financial Services Limited, who will consult the Scheme Insurers.
Do we have cover for activities away from our usual premises?
The insurance is not confined to a particular premises. Cover caters for the organisation by an ARA of activities anywhere within the Republic of Ireland, Northern Ireland, Great Britain, the Island of Man, the Channel Islands and the European Union.
N.B. Participants on trips and holidays should arrange their own travel insurance.
Does the insurance cover property owned by an ARA?
No, but it is usually possible to extend cover by contacting Insurances and Financial Services Ltd.
What should an ARA do in the event of an accident?
The ARA involved should immediately contact the ARI Central Support Office giving full details. We in turn will advise Insurances and Financial Services Ltd. No admission of liability or responsibility should be made.
Does the Scheme include Employers Liability cover?
No, but if an ARA employs someone they should contact Insurances and Financial Services Ltd.
Does the Scheme cover the use of members' cars?
No. Members using their own cars need to have their own motor insurance.
For further information please contact the Scheme agent:-
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