Insurance

Public Liability Insurance

The Club is advised by the PAGB to have Public Liability Insurance. This can be facilitated by the Southern Counties Photographic Federation but an alternative insurer may be appropriate depending on the cost and level of cover required.

The policy provides cover against liability in law for damages and claimants costs and expenses in respect of accidental injury to any person and accidental damage to property.

The policy is endorsed to note the following two extensions:

1. Member to member liability.

2. Members engaged in group or individual club activity.

The policy gives cover from the 1st February of one year to 31st January of the next.

The following is a summary of Alton Camera Club’s Public Liability Insurance which as a member of the PAGB is taken out through the brokers Darwin Clayton (UK) Ltd

This summary is given in good faith, however should it differ in any way from the policy, the policy always takes precedence.

The cover provides the club, and each club member, against liability in law for damages and claimant’s costs and expenses in respect of:

Accidental injury to any person
Accidental damage to property

The policy is endorsed to note the following two extensions:

Member-to-member liability
Members engaged in group or individual club activity

The policy is endorsed to note the following exclusion:

Abuse and Protection of Vulnerable Adults (PCVA)

Limits of cover are stated below:

Public / Products Liability	Limit of Indemnity
Any one Event	£5,000,000
All Events happening during any Period of Insurance in respect of product supplied	£5,000,000
All incidents considered by the Company to have occurred during any Period of Insurance in respect of pollution or contamination of buildings or other structures or of water or the land or of the atmosphere.	£5,000,000
Legal Defence Costs Limit of Indemnity
The total amount payable by the Company in respect of all costs and expenses arising out of all claims during any Period of Insurance.	£250,000