Falconry and raptor club insurance

Policy information

This insurance policy is suitable for falconry and bird of prey clubs who wish to cover their public liability for club activities. It is not suitable for those wishing to cover private pleasure flying of birds or wishing to cover vet fees.

What insurance do I need?

There are two main types of insurance you need if you run a falconry and raptor club. Both are included in our insurance policy.

Public liability – designed to protect you against liability claims for injury caused to third parties or damage to their property as a result of your negligence. For instance, if a member of the audience is accidentally struck by a bird.

The standard limit is £5 million, but it can be extended to £10 million for an additional premium.

Products liability – this covers the club up to £5 million if injuries or damages arise as a result of a defective product that your business had supplied.

What is covered?

Club meetings, AGMs, competitions and shows
If a member injures a fellow member or damages their property

What is excluded?

Any animal subject to the Dangerous Wild Animals Act (DWAA)
Any use of drones for training or displays
Injury to the birds
Any excess applicable
Public liability for private flying of birds
Vet fees for the birds themselves

What optional extras can I add?

Employers’ liability – if you have paid, voluntary or self-employed helpers working for your club, you are legally required to have this insurance as this will provide cover should they suffer an injury while at work. The amount of cover provided is £10 million.

Personal accident – provides financial compensation should the insured party be injured while carrying out club activities. You can choose from benefits of up to £250 per week. This section includes a lump sum compensation for accidental death, permanent loss of sight and/or limbs and total disablement.

Please note that this does not cover any pre-existing conditions or illness, or any injury sustained whilst commuting to or from work.

Professional indemnity – protects your business should you offer professional advice for a fee, such as being asked to advise on bird behaviour, and it results in either a physical or financial loss. The resultant claims can be covered up to a standard of £500,000, however we are now able to offer lower levels of cover (£100,000 and £250,000) at reduced premiums.

Equipment and property – we can cover your organisation’s property and equipment, from small items to large. We are also able to arrange cover for commercial premises, business interruption, theft of money and your home.

Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.

How much are the policy excesses?

The following excesses are applicable to the business policy only.

Liability excesses

Public liability
• Third party injury – nil
• Third party property damage – £100
Products liability – nil
Employers’ liability – nil

Property excesses

Buildings – £250
Contents – £100
Money – £100
Business interruption – nil
All other property claims – £100
Personal accident – first 7 days of incapacity

IMPORTANT INFORMATION

Terms of Business
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Provision of Service Statement
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The public liability policy is underwritten by Certain Underwriters at Lloyd’s.

Equipment and property is underwritten by Ecclesiastical Insurance Office plc.

Commercial Combined Key Facts

Combined Liability Policy Wording

Legal expenses policy is underwritten by ARAG plc.

Legal Expenses – Key Facts

Legal Expenses Policy Wording
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Important information about our direct debit payment option

Insurance terms explained

We want to make sure that you understand the necessary insurance terms found within our website. This summary should explain anything that you may be unsure of.

Negligence – failure to take proper care
Premium – cost of the insurance policy
Excess – the first part of any claim payable by you
Business interruption – provides cover for loss of income following damage to the premises from which you work. It does not provide cover for pandemics
Incapacity – inability to carry out activities
Liability – legal responsibility
Benefit – payment made
Compensation – payment made in recognition of loss or injury
Non-invasive – does not penetrate the skin
Banned breed – dogs which are illegal in the UK: American Pit Bull Terrier, Dogo Argentino, Japanese Tosa, Fila Brasilerio and XL Bully.
Indemnity – covers compensation for loss or damage.
Common ownership – the use of land by one or more people, which is owned by someone else
DWAA – Animals listed on the Dangerous Wild Animals Act 1976

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Falconry and raptor club insurance

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