Club Insurance from Gallagher

Insurance solutions for RYA-affiliated clubs, recognised training centres and affiliated organisations

As the RYA’s official Club Insurance partner, Gallagher has been endorsed by us for over 40 years, providing specialist products to meet the needs of RYA-affiliated clubs, recognised training centres and affiliated organisations.

Contact the dedicated RYA team at Gallagher:

Email: rya@ajg.com

Call: 0800 062 2309

RYA Club Insurance

RYA-affiliated clubs, recognised training centres, and affiliated organisations face a diverse and complex range of risks that can often benefit from specialist cover from Gallagher.

Covers included as standard with an RYA Club Insurance policy

Public and product liability: Member-to-member liability and training extension, including full professional indemnity cover.
Employers’ liability: If you have employees (including volunteers) you may require this cover by law.

Optional additional covers available with an RYA Club Insurance policy

‘All risks’, as defined by the policy wording: Including clubhouse, outbuildings, solar equipment, marine installations, contents/fixtures & fittings, consumables and bar stock.
Business interruption: Loss of revenue, additional increased cost of working, loss of rent payable/receivable, and loss of revenue (marine) extensions available.
Loss of licence: Loss of revenue following loss of licence for the sale of alcohol.
Deterioration of stock: Covering refrigerated/frozen stock in the event of equipment breakdown and/or failure of public utilities.
Cups, trophies and specified items: Covering any specified item and unspecified cups/trophies anywhere in the UK on an ‘agreed value’ basis.
Money: Covering cash in trust including when in a safe, in transit, or at the home of an authorised official.
Personal accident: Providing cover to specified persons whilst carrying out duties.
Boats: Including outboard engines, trailers, etc. whilst in transit and temporarily in use within Europe for up to 30 days per year. Cover incorporates marine third-party liability to mirror the chosen public and products liability indemnity limit. Cover extension is also available upon request to cover loaned/borrowed boats not owned by the club/training centre/organisation.

Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

Benefits of an RYA Club Insurance policy

Access to Gallagher Business Assist (GBA) – A Gallagher team of qualified loss adjusters to assist with property claims in excess of £10,000 value.
Access to an Online Risk Management Tool – Providing access to a wealth of guidance and advice relating to management of risk and adherence to HSE regulations.

Why choose Gallagher?

Gallagher arranges cover for 85%* of RYA-affiliated clubs.
We have a specialist proposition for RYA-affiliated clubs and training centres.
We’ve been the RYA-endorsed insurance partner for over 40 years.
Policyholders have a dedicated account manager.

*Based on live policies between 1 January 2024 - 31 December 2024.

Other products offered by Gallagher

Directors’, Officers’, and Trustees’ Liability Insurance: Legal defence costs and valuable added protection for individuals operating on behalf of the club/training centre.
Commercial Legal Expenses Insurance: Legal defence costs in respect of employment disputes, contract disputes (including tenancy), tax/VAT investigations, plus a 24-hour legal helpline.
Special Types Motor (Road Traffic Act Liability) Insurance: Following recent changes to the Road Traffic Act law, tractors, and other mechanically propelled plant used within a ‘public place’ must now be insured under a specific motor insurance policy.
Engineering Inspection: Providing statutory inspection of plant and equipment on a 6- or 12-month frequency as required under HSE (LOLER) regulations.
Cyber Liability Insurance: Providing cover for consequential losses as a result of a data breach, costs to help ensure that you comply appropriately with GDPR following a breach, and cover against civil fines/penalties levied by the regulator following a breach. Cover can also be extended to include social engineering/fraudulent transfers, providing an added layer of protection for your organisation.

Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

Royal Yachting Association is an Introducer Appointed Representative of Arthur J. Gallagher Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909.