As you are aware, all clubs that affiliate to Durham County Football Association are provided, as part of the affiliation process, with Public Liability Insurance.

The Durham County FA Ltd has dealt with UKGlobal Risk Solutions Limited (formerly COBRA Corporate Solutions Limited) for several years and has found the service provided to be both professional and efficient. Any claims are dealt with immediately and take away the added pressure claims can cause. 

As well as our affiliated Leagues and Clubs, the cover also applies to registered Referees of the association and also ‘stand-in’ Referees. 

The 2015/16 Season will continue to provide a Limit of Indemnity of £10m and the cover will continue to automatically include the valuable player-to-player extension for Clubs. Without this extension players and clubs could be left exposed to the legal defence costs and awards arising from legal action taken by injured parties. Those costs amount on average to £25,000 and in many cases much more. 

The policy also includes as standard Professional Indemnity and Directors & Officers liability with a £10m limit of indemnity.


If you need to provide evidence of this cover please contact Durham County FA on 0191 3872929 and a copy of the Verfication will be issued.


If you are holding a tournament or you are going on tour abroad, you should contact Fiona Lavery at UKGLOBAL to ensure the policy will cater for your requirements. You can contact Fiona on 01252 734539 or by email 


Further information regarding the cover:

Principal Extensions - Liability arising from:


a)     Third Party Injury

b)     Third Party Property Damage

c)     Libel, Slander, Error & Omissions

d)     Abuse, Negligence

e)     Products (i.e. Food & Drink)

f)      Player-to-Player Liability

g)     Employers Liability

h)     Tournaments (up to 2000 attendees – refer if attendance is higher or if there are participating clubs from another County FA)

i)      Includes Fund Raising & Social Events 


Principal Exclusions - Liability arising from:

a)     Malicious or Criminal acts (including Assault).

b)     Use of any mechanically propelled vehicle, aircraft, hovercraft or water-borne craft.

c)     Product Guarantee.

d)     Damage to any data.

e)     Medical malpractice.

f)      Property in the charge of or control of the insured.

g)     Pollution or Contamination unless caused by a sudden identifiable unexpected incident.

h)     Sale of Securities or any shares of a Private Company or Corporation.

i)      Loss arising from hazardous properties or from radioactive or nuclear material.

j)      Bouncy Castles, Inflatables, Hazardous Pursuits, Fireworks.

This cover is based on the policy wording which is available upon request.


In the event of a claim:

All claims and/or incidents that have or are likely to give rise to a claim must be reported to CLUB COVER immediately. Please ensure all necessary report/claim forms are completed as soon as possible to avoid prejudicing any claim. Do not, under any circumstances, admit liability or promise any form of settlement.


To report a claim, please contact either Jerry, Natalie or Fiona using the details as follows:


Jerry Dungate                                                      Natalie Surridge                                                  Fiona Lavery

01883 333512                                                     01883 333522                                                     01252 734593     

We would advise all clubs to make a copy of the Insurance Verification letter available to their players. Should you have any queries in relation to the contents of the letter, or the cover in place, please do not hesitate to contact John Topping, Company Secretary, Durham County FA Ltd, ‘Codeslaw’, Riverside South, Chester le Street, County Durham. DH3 3SJ or telephone 0191 3872929.


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