This page answers some fo the Frequently Asked Questions about YAC's insurance policy. For general information about YAC insurance, see also Insurance.
What is covered by YAC insurance?
YAC is covered by the Council for British Archaeology’s Public Liability insurance to the value of £5 million and by its Employer’s Liability insurance to the value of £10 million. A copy of the insurance certificate is sent out to each club around the start of each financial year and you should keep this with your club’s other important documents.
Public Liability insurance covers the club against claims of negligence made against it, where YAC members, Leaders or Assistants have caused damage to property or injury to participants or third parties. Leaders and Assistants are insured for claims against them from YAC members.
Employer’s Liability insurance covers legal liability to pay damages for any injury sustained by YAC volunteers in the course of YAC activities.
The activities undertaken during your YAC session are covered. Travel to and from your session are not covered. (See also: Can I transport YAC members in my own car? Does YAC insurance cover travel in a mini-bus or coach? Does YAC insurance cover travel on public transport?)
Who is covered by YAC insurance?
The insurance is in the name of the Young Archaeologists' Club – it protects the club if the club is sued by a 3rd party in respect of injury or damage to property or injury to a YAC Volunteers, arising from YAC activities.
Does the insurance cover YAC leaders to work with children that are not YAC members but are doing archaeology to promote YAC? For example, in a school, or on a stall at an event?
Yes, as long as the activities are fully risk assessed.
What are the conditions that we have to satisfy in order to ensure that our YAC club session is covered by the insurance?
To ensure you are covered by YAC insurance, you must follow these guidelines at every club session:
- Only take responsibility for children for whom you have current (less than one year old) medical and emergency contact information. Make sure you have this with you at every session. Use the Club Membership Form to collect the information.
- Have at least two current YAC Leaders or Assistants to run the session.
- Satisfy our adult:child ratio of 1:8 (this is in line with Scout recommendations for outdoor activities undertaken by cub scouts (aged 8-10½)
- Have a qualified First Aider and a First Aid Kit.
- Have a risk assessment for the session activities and venue, and to tell everyone what’s in it.
- Make sure all of the volunteers present (and any outside providers) have read the YAC Code of Conduct.
- Always work in groups, making sure each Leader or Assistant is within the sight and hearing of another Leader or Assistant.
- Never be on your own with a child.
Are there any activities that I need to get approval for before going ahead?
If you are hoping to do any of the following activities with your club, please get in touch with YAC HQ to discuss it in advance as they are not normally covered under our insurance and we must inform the insurers before they take place in order for them to be covered:
- Underwater work or any use of a waterborne craft (except for public transport)
- Activities involving animals, birds, reptiles, etc
- Use of weapons (e.g. archery or sword fighting); NB, demonstrations and handling activities are covered
- Tunnelling, potholing and work in subterranean caves
- Any work below two metres in depth
- Any activities involving vehicles (the vehicle should have its own insurance)
- Any activities involving the use of heat, especially open fires
- Any activities on high risk premises (e.g. nuclear power plants, etc)
- Activities outside the UK (YAC insurance covers Great Britain including England, Northern Ireland, Wales, Scotland, the Channel Islands and the Isle of Man).
If you are unsure whether your planned activity will be covered please do contact us for advice.
REMEMBER: all of your activities must be risk assessed, and you must ensure that you have the correct adult:child ratio of YAC-approved volunteers.
Yes! But you must get in touch with YAC HQ in order to discuss this further and to ensure that all the necessary checks are in place to make sure that the event runs smoothly.
Can I transport YAC members in my own car?
The best option is to get parents to drop their children off at the venue and collect them at the end of the session. If you are meeting somewhere new, you’ll need to provide clear address details, and potentially maps and directions.
Avoid using your private car to transport YAC members because YAC insurance does not cover you for accidents in your car. If you ever take members in your car, you should contact your own vehicle insurer to discuss any concerns you have. You may need to ask about Class 1 Business Use, which is often given free of charge. Obviously, you must ensure that your vehicle is roadworthy, has an up-to-date MOT certificate and is taxed. You must not drive on YAC business if conditions are hazardous. It is also vital to remember to comply with child protection guidance in this case: take another YAC Leader or Assistant in the vehicle with you to ensure that you are not alone with a child or children.
If parents choose to car share, please remember that these are private arrangements and are nothing to do with YAC or you as volunteers. They are akin to car sharing for travel to and from school or other clubs such as football or Scouts Travel in parents’ cars is not covered by YAC insurance.
Does YAC insurance cover travel in a minibus?
If you are considering hiring a minibus to drive your members on a trip, you must be aware that YAC insurance does not cover you for this. If you think hiring a minibus is your best option for a trip, then you should investigate this with the minibus hire company.
Does YAC insurance cover travel on public transport?
No, public transport vehicles all have their own insurance.