Joint Morris Organisation Advice to Regarding Insurance
The JMO is made up of the Morris Ring, the Morris Federation and the Open Morris. JMO Insurance cover is available to Morris Sides and associated groups to provide Public Liability cover whilst dancing or at practice. This is included in the membership of one of the three member organisations. Additional optional covers are available such as Personal Accident and cover for such events as organising Ceilidhs. Separate cover is also available for Liability Insurance for Folk and Ceilidh Bands.
At the request of the Joint Morris Organisation (Morris Federation, Open Morris & The Morris Ring) I have put together some notes to advise bagmen (and thus, hopefully, the individual members of any Sides in the three organisations) on the subject of insurance. JMO Insurance Advice (February 2020).
It has come to light that there are some Sides who also join the Morris Federation and perhaps the OM as Joint Sides. If they practice in different halls and are able to dance out separately then they need to pay for the Insurance twice and be issued separate Confirmation of Cover Documents.
We regret that this will involve some work on behalf of the two treasurers and/or membership officers involved but this is something we have to do.
The reason is quite simple – risk element. Using two halls on a regular basis increases the risk to Insurers and if they discover this loophole then it will cause a distinct problem with Insurers. Also, whilst most “joint Sides” tend to dance out at the same time supporting each other, it is possible that one group will go and dance out at location A and the other at location B which again doubles the risk element for Insurers.
You can obtain a copy as an Adobe PDF document here: Public Liability Policy Wording 2020.pdf
This version has been specially edited for the wider consumption of our membership via the website.
If you have any further queries or require any further information please contact:
StimpsonM [at] aol [dot] com (Michael Stimpson) & Associates, Tel: 01923 770 425