Most martial arts dojos and associations are supported by a considerable number of very helpful volunteers who give their time free to support the membership and the Sensei running the clubs. They do this for the love of the sport and to give something back to the martial arts community.
We have found that many associations, clubs and dojos do not think about the risks that can come with the use of volunteers.
Consider this scenario.
You ask a volunteer helper to move a bench. They bend over, pick the bench up but in the process sustain a back injury. They then have to take two months off of work whilst they undergo treatment and because of the pain that they are in. They have to suffer the pain of the injury and the loss of wages that result.
The volunteer would undoubtedly be reluctant to make a claim against the dojo or association that they support, but it might simply be that they have no other recourse due to their own private circumstances.
What would you do if you were faced with a claim for personal injury and loss of earnings should a volunteer have to claim against you? Once legal bills are included these claims often have costs in excess of £10,000.
The Employers Liability Compulsory Insurance Act 1969 asks “is there a master servant relationship in place” when trying to decide if employers (in this case dojos, associations and clubs) have a liability to an injured person.
In the case outlined, the master servant relationship definitely exists, you told them what to do and they did it!
The best way to protect your dojo, your association, your club and even the volunteers themselves is to purchase employers liability insurance. PLEASE NOTE THAT FAILURE TO DO SO COULD RESULT IN YOUR CLUB BEING PROSECUTED.
With our product, WE AUTOMATICALLY INCLUDE THIS COVERAGE to make sure that you are covered against these risks. All you have to do is enter the number of volunteers involved in your dojo or association on the site
Make sure that when you are comparing our offering to others that you ensure that cover is offered on a like for like basis and make sure you do not fall foul of the law.