Groups, clubs and other organisations across the United Kingdom may be unknowingly exposing themselves to a huge gap in their insurance cover: member to member liability.
To protect against third-party property damage or personal injury for which they are liable, clubs or groups purchase public liability policies, which cover the group as a whole. But what if an individual member of your group causes harm or damage to another group member? Under a typical public liability policy, the individual members of your group are not considered third parties. Therefore, if they are responsible for personal injury or property damage to another group member, they are not protected under the group policy—unless the group policy has been extended to accommodate member to member liability.
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