BTC Insurance Policy V5.0 Page 4 of 7 Dec 2023 4.4.3. It is BTC’s policy that every instructor must hold BTC Professional Indemnity insurance, applied for via their Member Organisation. 4.4.4. It is compulsory within the BTC that all instructors/coaches hold a minimum of £10,000,000 Professional Indemnity and £10,000,000 Public Liability insurance. 4.4.5. BTC Insurance and Policy details can be found on the BTC website. 4.5. Tournament Insurance 4.5.1. It is the responsibility of all Member Organisations to ensure that they are covered for their liability in law for damages and claimants’ costs or expenses in respect of injury to any person or damage to property during the course of any tournament, grading, seminar, demonstration, etc. 4.5.2. Cover for this is included in the Instructors Professional Indemnity insurance. Only tournaments registered on official BTC registration forms and organised by instructors with a valid Indemnity insurance will be covered. 4.5.3. This cover is only available for tournaments held in the UK and for BTC members only. This does not include Europe or the rest of the world. 4.5.4. BTC Insurance and Policy details can be found on the BTC website. 4.6. Directors’ and Officers’ Liability Insurance 4.6.1. Officials and members at all levels could find themselves held personally responsible for court costs and damages awarded where action has been brought against the National Governing Body. It is essential that Liability Insurance is held to cover such consequences. It should also include liability arising out of errors or omissions in advice which result in injury or financial loss, along with Libel, Slander and Fraud liability. This cover should also include any event held by the Governing Body. To this end, a policy renewed annually is held by the BTC to ensure adequate cover is available for all its officials and officers. 4.6.2. It is recommended that all Member Organisations should also obtain this kind of cover so that their Directors and Officers are also covered. 5. CLAIMS PROCEDURE 5.1. All instructors must use their Accident/Incident Log Book to register any injury/incident that could eventually lead to a claim and request that the entries are signed by the student and a witness. 5.2. Details of how to notify a claim can be found on the BTC Website. 5.3. In the event of a claim, the claimant must log onto the BTC website, www.britishtaekwondocouncil.org and go to the download section, select notifying a claim and complete the form and return it to the insurance broker. Details are on the form. 5.4. The claimant, once verified that they hold a valid BTC licence, will be then sent a claims form direct from the insurers. This must then be completed and returned to the insurers, not the BTC. 5.5. If this process is followed correctly there should be no problem in pursuing a claim. 5.6. All the above procedures must be carried out within 21 days of the accident occurring.
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