Coaching & Club Insurance

Student insurance and claims are covered on a different page in the Resource section...... Click here

This page covers:-

Other pages cover:-

BAB Insurance documents
The BAB website covers insurance and the following document are on their website in the download section - any differences - the BAB website should be taken as definitive:

BAB / Perkins Slade Renewal Report 2006
Insurance Guidelines Provide details of cover and background to the policies held
Appendix A - Key Liability Risks
Appendix B - BAB Insurance Premiums for 2005
Appendix C - Declaration Form to Reg. Clubs for Insurance
Appendix D - Application Form to Register as an "Assist Only" Instructor
Appendix E - Club Insurance - Register of "Assist Only" Instructors
Appendix F - Application Form for New Members Instructor Insurance
Appendix G - Perkins Slade Incident Notification & Recording Guidelines
Appendix H - Register of Officers & Officials Covered Under Association Policies
Perkins Slade Incident Notification Advice Form

This web page also has the current insurance certificates available under the Insurance section on the downloads page

Instructor Insurance
All Coaches who take classes unsupervised or assist(supervised) with classes must be insured via the BAB Insurance scheme.

Taking classes - Insurance for teaching is only provided for those holding a BAB Coaching Award Level 1, 2 or 3. If the Coach teaches those under 18 years then additionally a current CRB check is needed via the BAB. (See Child Protection)

Assisting in Classes - Those who hold a BAB Coaching award and help the class instructor rather than taking classes unsupervised can be registered free under “assist only” for the insurance protection under strict conditions. Please refer to the Insurance guidelines above................ a part of which is reproduced at the end of this page.

Instructor Insurance Costs / Application
Perkins Slade Prices for £5m cover for Level 1 Coaches - 2009/10 fees have been increased by 5% which is the first increase since 2005/2006. Each quarter following 1st March, the annual fee is reduced proportionally.

                March – May: £52.50 (12 months cover)
                 June – August: £39.38
                Sept – Nov: £26.25
                Dec – Feb: £13.30

From 2008/09 there have been differential rates for the Coaching Level a person holds. The £52.50 above refers to a Level 1 coach; the fees reflecting the higher qualifications mean lower premiums (There are no pro rata fee reductions):

                 Coach level 2 the insurance is £42
                 Coach level 3 the insurance is £31.50

A Insurance Certificate in the form of a blue slip issued indicates cover as "Full Instructor & Student" or "Assist only Instructor & Student". Coaching cover expires end of February and should be renewed prior to the end of that month. Instructor's have student cover rolled into their Instructor's insurance and therefore are not covered to practice from the end of February until they have renewed.

Application form for Instructor/Coach insurance (New applications use this form )
Remember cheque's are to be made payable to Lancashire Aikikai.
Question 4 is the Ref Number in your blue Aikikai membership book.

Any application for the Aikikai has to be returned to Phil Purcell -
60 Bramble Avenue
Milton Keynes
MK14 7AP

Insurance through Sport Coach UK is not recommended by the BAB but Coaches can join for their other benefits.

Summary from the BAB Insurance Guidelines
7.4.1 Only holders of a BAB Coach Award may take out this insurance.
7.4.2 Insurance is provided by Royal Sun Alliance. The policy number is RTT475I. Perkins Slade's reference is BRIT03KM01.
7.4.3 Summary of cover is stated as follows: In the event of negligence of an instructor, which leads to injury or damage or libel to a third party and or 3rd party property. The policy is personal to the instructor, operates wherever instruction is given throughout the world and covers such circumstances as injuries through demonstrations, inadequate supervision or 'mis-matches' between grades where the junior grade gets injured.
7.4.4 Limit of Indemnity is £5,000,000

January 2009 BAB Executive records in their minutes - There is no upper age limit for Professional Indemnity cover for BAB Member instructors.

Incident/Accident Reporting by Clubs / Instructors/Coaches
Coaches should note the BAB now operates a incident reporting system rather than a claim form. Visit the BAB web site Appendix G above and also our page dealing with this matter.

"Assist Only" instructor's -- Many holders of the BAB's "Coach award only assist with instruction, even though they are qualified to take charge of a class. Where these Coaches (or Assistant Coaches), have no intention of taking charge of a class & only require insurance to cover assisting a fully qualified / insured Instructor, there is no need to purchase additional P.I. insurance. But an application form has to be completed and returned to the BAB via the Aikikai.

The Aikikai does not require First Aid for these "Assist only" but does require a CRB check and formal permission from our Head of Association

Perkins Slade is prepared to provide indemnity cover to registered "Assist Only Instructors", at no cost, providing the following conditions are met:

  • They hold a BAB Coach qualification Level 1 or higher
  • They only work under the direct supervision of a fully qualified BAB Coach who is a current holder of P.I. insurance.
  • They hold current ---Member to Member" liability insurance thru the blue insurance certificate
  • The students within the class all hold 'Member to Member" liability insurance as students on the blue insurance certificate.

Clubs - Liability Insurance
BAB require details of all clubs to be registered – please continue to advise the BAB Secretary in writing of any changes / additions to your club list. This should be done through Bryan Bateman.

Any new location should be registered before conducting classes.

If any clubs operate on a full committee basis (e.g., have a Constitution, Chairman, Secretary, Treasurer, etc), they will also need to take out Civil Liability Insurance. The BAB doesn't operate this facility but quotes are available from Perkins Slade, the brokers that the BAB use.

Officials - Liability Insurance
BAB require details of Officers and Officials to be supplied to be covered under their Association policies. This should be done through Phil Purcell our Insurance Officer


To read about Student's Insurance click here.