The founding National Association of Morris and Sword Dance Clubs

JMO Insurance during and after the Lockdown.

JMO Insurance during and after the Lockdown.

I have been asked to write a note to all Sides in the Morris Federation, Morris Ring and Open Morris regarding the effect Covid19 has on Morris activity. The simple answer is almost none.

Perhaps I should have written this in March however it was not clear just how much disruption this virus would cause in our lives and, even more important, how long it would go on for.

Our Brokers remind us that the most important thing is that Sides, both at practice and whilst dancing out, should follow any Government or Council guidelines in force at the time.

The only area where Sides have to take care as lockdown is relaxed is making sure, when dancing out, that a clearly defined space exists between the Side and members of the public and no members of the public should be allowed in the dance area or, indeed, join in.

I have had a number of questions over the past few weeks and will share some of these with you.

COVER PROVIDED

You should remember that there are two separate policies involved.

  • Public Liability (PL) covers your Side whilst performing or at practice against claims made by Third parties for injury, loss or damage caused.
  • Optional Personal Accident (PA), which many Sides have, provides cover for Side members insured under the scheme for accidents caused whilst dancing at an event or at practice or in transit to or from either location.

QUESTIONS ASKED

If I am injured in my home practicing whilst watching a dance instruction video, am I covered? No, you are covered as described above whilst taking part in a Side event.

If we are having a Side Zoom practice and I damage something in my home, can I claim. No – the PL policy covers claims made by a Third Party only. If your household policy covers accidental damage you may be able to make a claim with your own Insurers.

If a Side is dancing out, and following social distancing, are they covered for Public Liability? Yes.

If my Side make a video to teach Morris, are we covered?. Unable to see any potential claim here. Your Side is covered as described above.

If we are having a Zoom practice and one of our members is injured, are we covered under the Personal Accident policy? It depends on how the accident happened of course but in most cases the answer here would be yes.

If we are having a Zoom practice and an onlooker is injured, is the Side covered?. Each situation would be taken on its own merits but, in principal, yes, if it is a Side event.

IN CONCLUSION

Covid19 does not alter the cover you have and it is important to consider the COVER PROVIDED as laid out above.

Do remember though that Insurers can avoid a claim if you were breaking the law at the time of the loss so Social Distancing may come into play here.

If you have any questions, please do not hesitate to ring me any afternoon or early evening Monday to Friday on 01923 770425.

StimpsonM [at] aol [dot] com (Michael Stimpson & Associates)

From The Bagman.

It is likely that we will return to performing before practising, as outdoor activities are easier to manage social distancing for. Please ensure you know the current guidance, especially with regard to physical contact, that you follow it and that you are prepared to justify your actions if challenged by a member of the public. Please ensure that your audience can maintain social distancing at all times. 

Consider provision of hand sanitiser, and toilet options, before going out to perform.

Please also consider carefully that any adverse publicity you attract reflects badly on the Morris as a whole, not just on your side, and so will make returning to performing and practising more difficult for others.