Page 1 of 3 123 LastLast
Results 1 to 20 of 52

Thread: Public Liability Insurance

  1. #1
    First Team
    Joined
    Apr 2008
    Posts
    1,828
    Thanks Thanks Given 
    182
    Thanks Thanks Received 
    223
    Thanked in
    155 Posts

    Public Liability Insurance

    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.
    Manager: Fergal, have you your boots with ya?
    Fergal: Ya, I have them here.
    Manager: Ah good stuff, well give them to this man so, he forgot his!

  2. #2
    First Team
    Joined
    Apr 2008
    Posts
    1,828
    Thanks Thanks Given 
    182
    Thanks Thanks Received 
    223
    Thanked in
    155 Posts
    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.
    Manager: Fergal, have you your boots with ya?
    Fergal: Ya, I have them here.
    Manager: Ah good stuff, well give them to this man so, he forgot his!

  3. #3
    Reserves D24Saint's Avatar
    Joined
    Jan 2012
    Posts
    673
    Thanks Thanks Given 
    60
    Thanks Thanks Received 
    87
    Thanked in
    64 Posts
    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.

  4. #4
    Youth Team
    Joined
    Nov 2011
    Posts
    134
    Thanks Thanks Given 
    76
    Thanks Thanks Received 
    31
    Thanked in
    25 Posts
    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

  5. #5
    First Team
    Joined
    Apr 2008
    Posts
    1,828
    Thanks Thanks Given 
    182
    Thanks Thanks Received 
    223
    Thanked in
    155 Posts
    Clubs with Council owned stadiums have no such problem? Or are they seeing a rise in their rental costs to absorb the increase.
    Manager: Fergal, have you your boots with ya?
    Fergal: Ya, I have them here.
    Manager: Ah good stuff, well give them to this man so, he forgot his!

  6. #6
    Seasoned Pro NeverFeltBetter's Avatar
    Joined
    Apr 2012
    Location
    Gouldavoher
    Posts
    4,003
    Thanks Thanks Given 
    222
    Thanks Thanks Received 
    557
    Thanked in
    380 Posts
    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.
    Last edited by NeverFeltBetter; 17/06/2019 at 10:49 AM.
    Author of Never Felt Better (History, Film Reviews).

  7. #7
    Reserves D24Saint's Avatar
    Joined
    Jan 2012
    Posts
    673
    Thanks Thanks Given 
    60
    Thanks Thanks Received 
    87
    Thanked in
    64 Posts
    Would the league not be better off introducing collective bargaining for the likes of insurance, kits etc.

  8. #8
    Seasoned Pro marinobohs's Avatar
    Joined
    Mar 2009
    Location
    in the bar celebratingl
    Posts
    3,259
    Thanks Thanks Given 
    334
    Thanks Thanks Received 
    579
    Thanked in
    377 Posts
    Quote Originally Posted by D24Saint View Post
    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.

  9. #9
    Seasoned Pro Nesta99's Avatar
    Joined
    Jul 2007
    Posts
    3,335
    Thanks Thanks Given 
    822
    Thanks Thanks Received 
    665
    Thanked in
    443 Posts
    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.
    Last edited by Nesta99; 17/06/2019 at 2:00 PM.

  10. #10
    Seasoned Pro NeverFeltBetter's Avatar
    Joined
    Apr 2012
    Location
    Gouldavoher
    Posts
    4,003
    Thanks Thanks Given 
    222
    Thanks Thanks Received 
    557
    Thanked in
    380 Posts
    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
    Author of Never Felt Better (History, Film Reviews).

  11. #11
    Reserves D24Saint's Avatar
    Joined
    Jan 2012
    Posts
    673
    Thanks Thanks Given 
    60
    Thanks Thanks Received 
    87
    Thanked in
    64 Posts
    Quote Originally Posted by NeverFeltBetter View Post
    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.

  12. #12
    International Prospect Martinho II's Avatar
    Joined
    Nov 2003
    Location
    Killashee Longford
    Posts
    7,921
    Thanks Thanks Given 
    3,893
    Thanks Thanks Received 
    526
    Thanked in
    441 Posts
    how come this public liability issue wasnt raised before? thats fairly serious for Sligo Rovers- wonder what caused that? oppostition fans?
    Neale Fenn red and black army

  13. #13
    Seasoned Pro NeverFeltBetter's Avatar
    Joined
    Apr 2012
    Location
    Gouldavoher
    Posts
    4,003
    Thanks Thanks Given 
    222
    Thanks Thanks Received 
    557
    Thanked in
    380 Posts
    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.
    Author of Never Felt Better (History, Film Reviews).

  14. #14
    Biased against YOUR club pineapple stu's Avatar
    Joined
    Aug 2002
    Location
    In the long grass
    Posts
    30,104
    Thanks Thanks Given 
    1,317
    Thanks Thanks Received 
    2,575
    Thanked in
    1,602 Posts
    Quote Originally Posted by Martinho II View Post
    thats fairly serious for Sligo Rovers- wonder what caused that? oppostition fans?
    Mary Bailey falling off her swing

  15. Thanks From:


  16. #15
    Reserves D24Saint's Avatar
    Joined
    Jan 2012
    Posts
    673
    Thanks Thanks Given 
    60
    Thanks Thanks Received 
    87
    Thanked in
    64 Posts
    I wouldn't say the fare from most chip vans in the league is helping with the insurance costs.

  17. Thanks From:


  18. #16
    First Team
    Joined
    Feb 2016
    Posts
    1,038
    Thanks Thanks Given 
    1
    Thanks Thanks Received 
    140
    Thanked in
    115 Posts
    Quote Originally Posted by Martinho II View Post
    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

  19. Thanks From:


  20. #17
    Seasoned Pro Ezeikial's Avatar
    Joined
    Jan 2009
    Posts
    4,609
    Thanks Thanks Given 
    145
    Thanks Thanks Received 
    997
    Thanked in
    607 Posts
    Quote Originally Posted by RathfarnhamHoop View Post
    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

  21. Thanks From:


  22. #18
    Reserves D24Saint's Avatar
    Joined
    Jan 2012
    Posts
    673
    Thanks Thanks Given 
    60
    Thanks Thanks Received 
    87
    Thanked in
    64 Posts
    Quote Originally Posted by RathfarnhamHoop View Post
    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.

  23. #19
    First Team
    Joined
    Apr 2008
    Posts
    1,828
    Thanks Thanks Given 
    182
    Thanks Thanks Received 
    223
    Thanked in
    155 Posts
    Quote Originally Posted by RathfarnhamHoop View Post
    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.
    Last edited by redobit; 19/06/2019 at 8:51 AM.
    Manager: Fergal, have you your boots with ya?
    Fergal: Ya, I have them here.
    Manager: Ah good stuff, well give them to this man so, he forgot his!

  24. #20
    Seasoned Pro Nesta99's Avatar
    Joined
    Jul 2007
    Posts
    3,335
    Thanks Thanks Given 
    822
    Thanks Thanks Received 
    665
    Thanked in
    443 Posts
    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.

Page 1 of 3 123 LastLast

Similar Threads

  1. Car Insurance
    By Mad Moose in forum Off Topic
    Replies: 11
    Last Post: 14/08/2017, 3:57 PM
  2. Election 2007: Is Bertie a liability?
    By pete in forum Current Affairs
    Replies: 42
    Last Post: 16/05/2007, 7:45 PM
  3. Insurance
    By Danny in forum Off Topic
    Replies: 3
    Last Post: 13/07/2006, 1:52 PM
  4. Ebay Buyer's Liability
    By Fair_play_boy in forum Off Topic
    Replies: 6
    Last Post: 02/05/2005, 1:38 PM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •