Team – On-track liability

• Cover available whilst practicing, testing and competing.
• Pit Lane / Paddock included
• “Contingent” liability cover available for teams
• Policies can include sponsors, drivers and team members / helpers
• UK / European or worldwide territorial limits

In this increasingly litigious world, it becomes ever more important to ensure that you are protected against your costs of an action be brought against you. Some such actions may well seem absurd and an obvious "try-on" but, if accused, you still need professional representation - and this can be expensive.

Motorsport has its own complexities. It appears that many are still under the misapprehension that the organisers' own policy will cover a team or its drivers but this is not so. Remember that the organisers arrange a policy in order to protect their liability, not yours. That is their prime objective.

In general, the individual liability of a driver to fellow competitors will be excluded from the cover. Nevertheless, we are occasionally able to find a market for this coverage, although it is expensive.

For teams, we suggest a "contingent liability" policy. We are aware of the incidence of pit-lane accidents and we feel that it is sensible to provide coverage should there be an action for negligence. Our policies indemnify the team, its sponsors, drivers, team members and official helpers in respect of their legal liability for death or injury to third parties, or damage to third party property following an accident arising out of the normal activities of the assured.

We also have specialised packages for all club event organisers, promoters and operators, whether two- or four-wheeled, including karts and track-day operators.

Teams – Employers / Public Liability

Employer’s Liability

Legal liability for compensation to employees injured or contracting a disease or illness during the course and as a result of their employment.

Public Liability

Legal liability in respect of bodily injury, including death, to third parties and damage to third party property, arising out of your activities.