Insurance question (australia)

[FacePuncher]

As I may have mentioned on here before, I run a small non-profit boxing program for kids/young adults, most between ages 16-25.

I am not a qualified boxing coach at this time but I am signed up for the next accreditation course (a few months away).

Many of the people I train are either from a local church or are troubled youths from a public housing estate run by the church.
I get 8-16 a class, a few times a week.

The church has offered to let me run my classes at a hall that they own if I fly their banner. My question is, given that the classes are free and I make people aware of the minimal risks associated (we just do padwork and bodyweight stuff) would I be covered by the churches PL insurance?

Any info is appreciated

[0james0]

I'm in England, but I'm sure this will be generic.

Only if their insurance covers them for that activity, which given the nature of the hall and stuff they probably do. But it still doesn't cover you if you get sued personally. Covers the church still.

May be different in Oz, but at least it gives you something to work with!

[FacePuncher]

Thanks!

I need to speak with them about their policy but that gives me some good pointers.

What if I accept donations? Does that change anything?

Also, is it worth doing any sort of administrative work for record keeping in case something happens? Maybe just a disclaimer for participants?

[FacePuncher]

Also I will make mention that they run dance classes and youth games at the hall so I'm thinking it is likely that the activities would be covered

[Andre]

Maybe type up and get a dated and signed document from both their guardians to co sign that releases you and the church from any damages.

[0james0]

Maybe type up and get a dated and signed document from both their guardians to co sign that releases you and the church from any damages.

Without a doubt you should be getting something signed.

If someone has a phone stolen, breaks a leg and wants compensation.....

Although it's good the church has some kind of public liability insurance, it wouldn't help you much if someone wanted to take you to court!

Years ago, not a problem, if these days of compensation culture, you have to cover your ass at all angles, which ever country you live in

[Gray Lion]

You need to sit down with the agent who handles the insurance for the church and get that matter clearned up. No matter what country you are in, no two insurance companies write the same policy coverages with the same coverages and exemptions.
Worst case, you might have to take out a "personal liability coverage' under your Home Owners, or renters policy, or a seperate policy.
In any event, you never want to leave yourself unprotected because there is always someone looking to sue.
Also consider a "waiver of liability" form for adults and a 'Waiver of liability and Indemnity form" for kids. (Parents agree not to sue, but under some laws, the child, on reaching maturity, can come back and sue and then the parents will have to make good on protecting you and paying into any judgement).
I am a firm believer in paying for expert advice...and shelling out some money for an attorneys advice, might save you misery and financial ruin down the road.