Insurance Policy

The Irish Windsurfing Association has selected Arachas to provide our insurance policy.

The policy automatically covers third party liability which is included in your IWA membership benefits.

Cover is included for Ireland and Europe.

Equipment specific cover must be sourced by the individual windsurfer should they require it.

Attached below is an extract from the policy.

Public & Products Liability Section

Insuring Agreements (what is covered)

Applicable to this Public & Products Liability Section only.

In accordance with the exclusions, conditions and definitions of the policy, the insurer agrees:

1. to indemnify the insured for their legal liability to pay compensation; and
2. to cover costs and expenses incurred with the insurer's consent,

where they arise from:

• accidental bodily injury to any person other than an employee;
• accidental property damage; or
• obstruction, loss of amenities, trespass, nuisance, or interference with any right of way, light, air, or water,

caused by an occurrence during the period of insurance, in connection with the business and within the territorial limits.

Limit of Indemnity

Applicable to this Public & Products Liability Section only.

The liability of the insurer under this section of the policy in respect of any one claim will not exceed the applicable limit of indemnity specified in the schedule, except that:

1. the insurer's aggregate liability in respect of products liability during any period of insurance will not exceed the limit of indemnity specified in the schedule; and
2. costs and expenses are payable in addition to the applicable limit of indemnity specified in the schedule, subject to the territorial wording shown in the policy extract.

Professional Indemnity Section

Definitions

Applicable to this Professional Indemnity Section only.

1. Claims Made means claims made during the period of insurance.
2. Insured, as defined under the General Definitions, automatically extends to include the qualified person who committed or is alleged to have committed the negligent act, error or omission giving rise to a claim, provided that the qualified person is subject to and complies with the terms of the policy so far as they can apply.
3. Known Circumstance means any circumstance or claim in respect of which the insured are entitled to indemnity under this policy and of which the insured are aware, or ought reasonably to be aware, at the commencement of the period of insurance, whether notified under any other insurance or not.
4. Qualified means that person has either the necessary and appropriate:
   1. qualifications and/or registration and/or accreditation and/or licensing from an accredited sports institute or the sport's national association or governing body; or
   2. authorisation from the sport's national association or governing body or its regional representative to whom or which this authority is devolved.
5. Qualified Person means a qualified person appointed by the club, league or association noted in the schedule to act as a coach or official, but only whilst acting in the scope of their duties in such capacity.
6. Retroactive Date means the date specified in the schedule as the retroactive date.
7. the Sport means the sport(s) in which the club, league or association engages, specified in the schedule, and includes all official activities connected with the sport(s).

Insuring Agreements (what is covered)

Applicable to this Professional Indemnity Section only.

In accordance with the exclusions, conditions and definitions of this policy, the insurer agrees to indemnify the insured in respect of the insured's legal liability to pay compensation and claimants' costs and expenses resulting from any claim alleging a breach of professional duty, whether that duty is owed in contract or otherwise, arising from any negligent act, error or omission of a qualified person whenever or wherever committed or alleged to have been committed in connection with the sport, provided that:

1. the claim is made against the insured during the period of insurance and notified as soon as practicable in writing to the insurer during the period of insurance; and
2. the alleged negligent act, error or omission occurred subsequent to the retroactive date and within the territorial limits.

Provided that the insured gives the insurer notice in writing of any circumstances which might give rise to a claim against the insured:

1. as soon as reasonably practicable after the insured becomes aware of those circumstances; and
2. before the expiry of the period of insurance.

In that case, the insurance responds to any subsequent claims connected directly to those circumstances, even though no claim has actually been made against the insured during the period of insurance.