As you are already aware every affiliated club must by rule (FAI Rule 69) have Public Liability Insurance. In addition where a club has employees it is recommended that they have Employers Liability Insurance since Public Liability Insurance will not protect a club for claims brought against it by an employee. The definition of employee on an Insurance Contract is very wide and often differs to the description of an employee for tax purposes, therefore we advise that you check with your insurance broker as to whether there is a need for Employers Liability Insurance in your case.
If you are planning to run any events or activities outside of your regular day-to-day football e.g. camps, mini world cups, open days etc. we recommend that you discuss this with your broker. Where you are engaging any third parties as contractors, confirmation should be sought from your insurers that these third parties who will be operating as independent contractors are covered under Public Liability Insurance.
Yours faithfully
Tony Dignam
Finance Director
Football Association of Ireland
