|
Insurance for teachers and students is provided through Yoga Scotland by
Royal & Sun Alliance and Insuresport Mutual Ltd as part of the teaching
membership package.
Insurance is offered to all teachers provided that they undertake one On-Going
Training day (or equivalent) per year.
This Liability policy is an annually renewable Combined Liability insurance,
underwritten by Royal & Sun Alliance Insurance plc. Insurance is for the period
1st October for one year and members are invited to renew their membership in
September.
Below is policy summary and more detailed policy information can be obtained by
contacting the secretary.
POLICY SUMMARY
This policy provides cover in respect of:
 | Civil Liability (including; Public Liability, Products Liability,
Professional Indemnity) |
| Directors & Officers Liability |
| Abuse Liability. |
General Overview of Cover Provided
The Civil Liability section of the policy provides cover for Public
Liability, Products Liability and Professional Indemnity claims up to the Limit
of Indemnity which is £5 000 000. The section applies in respect of civil
liability to pay damages in respect of claims arising out of the conduct of the
Business or Insured Activities that are made against the Insured and notified to
the Company during the Period of Insurance.
The Civil Liability section also provides legal liability for associated
claimant legal costs.
The Civil Liability section of the policy provides cover for all liability to
pay damages under civil law unless otherwise excluded under the list of policy
Exclusions and always subject to the Limit of Indemnity.
Cover therefore includes liability:
| arising out of Injury to any person (excluding any Person Employed); |
| in respect of loss or damage to third party property; |
| in respect of nuisance and trespass; |
| in respect of libel and / or slander committed in good faith; |
| arising out of advice tuition or coaching provided. |
In certain circumstances cover may include member to member liability. This
cover applies where one Insured member brings a claim against another Insured
member. If this cover is provided, it will be noted clearly on the Policy
Schedule or Certificate.
The Directors and Officers Liability section of the policy provides Insured
Persons (Directors & Officers) with protection against personal liability for
Wrongful Acts for which the Company has not provided indemnity. Protection is
also provided to the Insured Company where they are permitted or required to
indemnify Insured Persons for Wrongful Acts.
The Abuse section of the policy provides cover for your legal liability to pay
damages and associated legal costs following claims for accidental Injury caused
by acts of abuse. The policy covers claims that are made against you and
notified to the Company during the Period of Insurance.
  
| 
