Public Liability Insurance for ‘Limited Company Coaches’ – you’re now covered!

Joe Kelly, The PGA’s Head of Membership Support, explains more about Public Liability Insurance for PGA Members and how it has now been extended to Pros who are coaching as a Limited Company.

As PGA Members we enjoy the security of Public Liability Insurance, which is arranged by Sportscover Europe. Our group insurance enables us to conduct coaching sessions safe in the knowledge that should something occur that would expose us to litigation, for example a personal injury claim, we are covered.

PGA Members are protected should they be held responsible for causing injury to someone else or damage to someone's property.

Cover includes the professional advice you provide whilst coaching, provided that the activity falls with the remit of your approved training or qualifications.

CLICK HERE to read and review your Public Liability Insurance policy through The PGA.

Please take the time to review the policy and ensure the cover is relevant to your specific coaching activity in your particular part of the world. As with all insurance policies, the devil will be in that detail.

One detail PGA Members have brought to my attention is the condition that the Association’s insurance policy excludes cover for PGA Members who have incorporated their coaching business and trade as a Limited Company. The exclusion was deemed justifiable from our insurer’s perspective.

However, I am pleased to announce thanks to the support of The PGA’s insurance brokers Howdens, Public Liability Insurance for those Members operating as a Limited Company now mirrors the cover provided to sole traders and partnerships:

• Your personal coaching/instructions/demonstrations/in accordance with PGA guidelines
• Personal golf activities, including participating in formal events.
• Sale of golf clubs, equipment fitting services, so long as these activities do not exceed 25% of your annual turnover.

To ensure this cover is activated, you must complete the no claim declaration by CLICKING HERE.

As with all insurance policies, there are conditions to cover – 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:

• Your business has paid employees.
• Your business organises golf trips and tours.
• Your business activities exceed teaching, instructing and coaching golf in accordance with PGA guidelines.
• Your Retail activity (including the sale of golf clubs, equipment fitting services) exceeds 25% of your annual turnover.

Separate Insurance can be purchased by contacting Howden on 0121 698 8160 or email pga@howdengroup.com

Please refer to the dedicated PGA Insurance website for more information www.pgainsurance.co.uk

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