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. If you have any queries about insurance, please get in touch with YAC HQ.
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 the 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.
What is not covered?
We do not provide personal accident insurance. This is the type of cover that enables automatic payouts for injuries sustained regardless of fault. We do not provide this because the benefits would be very modest, especially for young people aged 16 and under.
YAC insurance does not provide cover for accidents in your own vehicle, so you should avoid transporting members in your own vehicle. If it is imperative that you do so, then you should contact your own insurer and ask about relevant ‘business’ use. We encourage the use of public transport wherever possible.
Ensuring your sessions are insured
To ensure you are covered by YAC insurance, you must follow these guidelines at every 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 Branch Membership Form to collect the information.
- Have at least two current YAC Branch Leaders or Assistants to run the session.
- Have no more than 8 children present for each Branch Leader or Assistant.
- Have a First Aider and a First Aid Kit.
- Have a risk assessment for the session and tell everyone what’s in it.
- Make sure all of the adults present have read the YAC Code of Conduct.
- Always work in groups, making sure each Branch Leader or Assistant is within the sight and hearing of another Branch Leader or Assistant. Never be on your own with a child.
Activities that require special permission
If you are hoping to do any of the following activities with your Branch, please get in touch with YAC HQ to discuss it in advance as they are not normally covered under our insurance:
- 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.
Making a claim
In the event that you need to make a claim, full details of how to do this are given in the insurance details sent out each year. In brief:
- Do not admit liability
- Contact YAC HQ immediately (01904 671 417 in office hours, 07793 817 510 outside office hours)
- Give full details of what has taken place and complete any necessary paperwork, such as an Incident Form or Accident Form.