INSURANCE

Modified on Tue, 29 Jul at 4:02 PM

Insurance -

Union Insurance

Imperial College Union has insurance coverage for its organisational running, including cover for club and society activity as approved in core activity risk assessment and any approved risk assessments via the Activity Proposal Form. Any activity that is not approved via either of these processes is not covered by Union insurance.

If you need a copy of the policy (sometimes you need this to make external venue bookings), please request it by submitting a ticket.

Attendees without Membership

Committee members should confirm that all individuals taking part in their core activity are fully paid members of the club or society and are therefore insured.

Should a committee member fail to make proper checks or knowingly allow a non-member to take part in activity, then that individual and/or club/society could face internal disciplinary action.

Associate Members

Our insurance only covers current full-time Imperial students who are members of your club or society.

Club or society members who are not registered students (i.e. associate members) are strongly encouraged to make their own insurance arrangements, as they are not covered by the Union’s insurance policies.

Coach/Instructor Insurance

Coaches and instructors must have their own public liability insurance cover in place. This must be provided during the coach/instructor registration process. You can read about this process here [link coming shortly].

Trips/Travel Insurance

Travelling abroad requires attendees to purchase separate travel insurance and it's the responsibility of committee members to advise all members to purchase comprehensive travel (including medical) insurance covering all your planned activities. Please see our article on Planning a Trip for more information [link coming shortly].

Equipment Insurance

We only insure club/society equipment that is Union-owned and registered on your annual inventory. We do not cover equipment kept at individual’s houses, and/or individual’s own personal belongings.

Public Liability Insurance (PLI)

PLI is a type of insurance that covers businesses if people claim against the business for alleged damage to goods or personal injury. The Union has its own PLI which means you are covered should there be an incident where someone claims for suffering personal injury or damage as a result of negligence at your event.

Why is PLI relevant to my activity?

When working with external suppliers, it is important to ensure they have PLI cover, and we will often ask for proof of this.

The Union’s expectation of PLI cover is £10,000,000 but should at least be £5,000,000.

If your supplier does not have this level of cover, the Union may not permit you to use their services, so it is important to obtain this information in the early stages of planning your event.

What if a supplier refuses to provide their PLI document?

There should not be any reason that a supplier could not provide a document that confirms their PLI cover as this is a public document. We would encourage you to consider why this may not be supplied and, if it is not possible, you should explore alternative suppliers.

A supplier has requested a copy of the Union PLI, where can I find this?

Please submit a ticket to the Activities Team requesting this information. Someone from the Activities Team can send you this information.