GAA Club Insurance (Official Thread)

[Louth Exile]

I don't think that there is any such thread in place already, so I thought that it might be no harm in starting one! Insurance is such a big issue in the running of the club these days, any club with any kind of facilities (and even those that don't) should have an insurance officer appointed. There has to be a lot of questions out there in relation to club insurance issues and the collective knowledge on this board could be helpful to others.

The latest issue that I have come across in our own club is the huge (nearly 300%) increase in our public liability premium for 2010. If others wouldn't mind sharing I would like to know their experiences?

To give you background to our situation. We have one pitch, modern dressing rooms, community centre, bar and function room. We are a rural club, open the bar Thurs-Sunday and hold functions also. Community centre is used in the main by other community organisations.
2009 insurance bill came in totalling €,735, split €150 hirers insurance, €1,125 public liability, €2,460 property insurance. This year we have received in a bill of €2,750 for the property element (fair enough), but the PL cost has shot up to €3,000 (I am going to seek clarification, but I assume that this now includes the hirer cost). Last year the renewal was sent out collectively by the county board, it was very transparent, you could see what each club in the county was paying and this was fair enough, with the facilities we have there were only two clubs in the county paying a higher insurance premium than us (one in Dundalk and the other in Drogheda). However, this year the invoice was sent on its own, we have no idea what other clubs are paying and despite never having had a PL claim paid out in the 49 years of the clubs history we are facing a huge increase in premium.

What is the experience on this issue with other clubs around the country??

[Louth Exile]

Bump

Anyone any comment or feedback?  Would like to know other clubs experiences at the moment if others willing to share?