Public Liability Insurance

[redobit]

From Sligo Rovers mid season update: https://www.sligorovers.com/mid-seas...e-please-read/

A second challenge for us is the level of our Public Liability Insurance premium. In the current environment where personal injury awards and other costs are high and have forced the closure of other sporting facilities, we have been subject of two large claims. Our public insurance premium has gone up from €15,000 in 2016 to €60,000 in 2018.
Our first quote for 2019 was €86,000 (despite being claims free for four years) and only after much work, diligent persuasion and risk containment steps, did we get that premium down to €58,000. Although this feels like a result, it is simply not sustainable.

[redobit]

Insurance is a huge issue at the moment. And of course LOI clubs are no different to this crisis. Id be interested to know how other clubs are fairing.

[D24Saint]

Excellent topic to bring up. I’ve heard of numerous events get cancelled due to the insurance crisis but for some reason never made the connection in reference to LOI. We are sponsored by an insurance company so I’d guess they work out a deal for us.

[David BOHie]

Bohs' doubled to roughly the same amount Sligo are paying. Was mentioned at the AGM that this is a huge issue and that it is gonna keep jumping

[redobit]

Clubs with Council owned stadiums have no such problem? Or are they seeing a rise in their rental costs to absorb the increase.

[NeverFeltBetter]

Last I read the government response to all this was to press ahead with a "Judicial Council" that will set the guidelines for liability pay-outs, presumably lowering them to be more in line with the rest of Europe. Still going through the Oireachtas, and may be for some time yet. They hope such a reduction will lead to reduced premiums. I'm not convinced it will.

[D24Saint]

Would the league not be better off introducing collective bargaining for the likes of insurance, kits etc.

[marinobohs]

Would the league not be better off introducing collective bargaining for the likes of insurance, kits etc.

As ever, some clubs may think they have better deals and won’t do collective deals. Also it would require centralized management and FAI are too busy flogging Aviva season tickets to do it.
No club would trust another club to negotiate centrally.

[Nesta99]

Its a serious problem across the board and its pushing Junior/Summer league clubs to the limit as they dont want to pass on significant cost to players. Of course there should be a league wide policy and it should be done by the FAI, shared ground or not the national stadium is sponsored by Aviva - if they wanted the naming rights badly enough the FAI could have sought a reduced premium clause for league clubs (Id bet that the international sides are insured as part of the sponsorship deal!!). It would be interesting to see what rugby clubs have to pay as a much riskier sport and whether they had the smarts to address this with a major insurance company sponsor.

[NeverFeltBetter]

I had a thread on this topic a while ago, where it was said that the clubs are tied into getting insurance through Aviva? - https://foot.ie/threads/242590-LOI-I...ight=insurance

[D24Saint]

I had a thread on this topic a while ago, where it was said that the clubs are tied into getting insurance through Aviva? - https://foot.ie/threads/242590-LOI-I...ight=insurance

Sounds like something the fai would stick into their participation agreement.

[Martinho II]

how come this public liability issue wasnt raised before? thats fairly serious for Sligo Rovers- wonder what caused that? oppostition fans?

[NeverFeltBetter]

Did anything specific cause it? I wouldn't say so, no more than any specific incident has raised insurance premiums for any other club in the last few years. They'll continue to go up until the law changes.

[pineapple stu]

thats fairly serious for Sligo Rovers- wonder what caused that? oppostition fans?

Mary Bailey falling off her swing

[D24Saint]

I wouldn't say the fare from most chip vans in the league is helping with the insurance costs.

[RathfarnhamHoop]

how come this public liability issue wasnt raised before? thats fairly serious for Sligo Rovers- wonder what caused that? oppostition fans?

Insurance costs have just been rising significantly recently for anywhere that has any sort of physical activity happening on their grounds recently, some amateur clubs in all sorts of sports are really struggling to pay it now and I think loads of adventure centre places are closing because of it. When you live in a country where you get rewarded by the courts for trying to hang on to the side of a luas what do you expect really

[Ezeikial]

Insurance costs have just been rising significantly recently for anywhere that has any sort of physical activity happening on their grounds recently, some amateur clubs in all sorts of sports are really struggling to pay it now and I think loads of adventure centre places are closing because of it. When you live in a country where you get rewarded by the courts for trying to hang on to the side of a luas what do you expect really

The court system is only one part of the problem

The compo culture and massive profiteering by insurance companies are others

All of this is facilitated by politicians who are either incompetent or corrupt

Profits jump 1,300pc for insurance firms

https://www.independent.ie/business/...-38215319.html

[D24Saint]

Insurance costs have just been rising significantly recently for anywhere that has any sort of physical activity happening on their grounds recently, some amateur clubs in all sorts of sports are really struggling to pay it now and I think loads of adventure centre places are closing because of it. When you live in a country where you get rewarded by the courts for trying to hang on to the side of a luas what do you expect really

Sums up the problem alright.The judiciary are a pack of morons.

[redobit]

Insurance costs have just been rising significantly recently for anywhere that has any sort of physical activity happening on their grounds recently, some amateur clubs in all sorts of sports are really struggling to pay it now and I think loads of adventure centre places are closing because of it. When you live in a country where you get rewarded by the courts for trying to hang on to the side of a luas what do you expect really

Plus that woman admitted she was in the wrong, mad stuff. Or the guy who slipped in his own council house in Sligo after drinking 5 pints ... got €105k. If wasn't so serious it would be hilarious and Im sure there are plenty of these stories.

A rise of 45k for Sligo Rovers is massive. There is a lot that a LOI club could do with that kind of money. I don't know the ins and outs of it, but there is a claim that will probably go through soon (it didn't influence this quote afaik) so I dread to think what it could rise to in the future.

[Nesta99]

ESB guy slipping while getting the post and awarded a wad of money because he wasnt trained on how to pick up the post in the rain one of the more ridiculous reasons for liability I have seen or the restaurant that was sued by a woman who banged her leg on the table leg and because the waiter had pulled the chair out for her they were liable.