BKA Insurance Update Clarification…
As you will be aware the BKA’s insurance policy covers registered dojos and their members to participate in the arts of Kendo, Iaido, and Jodo. Where teaching takes place the BKA expects that a registered and qualified coach leads the activity and adheres to the associations and insurers policies, guidelines and codes of practice.
Due to the Covid 19 pandemic and the current lockdown we now find ourselves in an environment where remote teaching is occuring. This presents a new situation for us so the bu has sought guidance through the NC from our insurers:
The insurers Axa XL have assured us that the BKA’s insurance policy covers online coaching sessions and should the BKA/ its Sensei’s etc. be sued for causing injury to participants, the policy would respond and defend accordingly.
Axa XL have provided the following ‘Strong Recommendations’ of the insurer rather than ‘Requirements’ as best practice guidelines. These points must be adhered to, to access coaching insurance.
- In respect of any coaching or instruction that is undertaken remotely by BKA Coaches, it is strongly recommended that the Insured should at the commencement of the session, advise participants:
- a) that by participating they are doing so at their own risk and must take suitable precautions to ensure they have a safe environment and safe equipment;
- b) that a suitable, non-slip floor space is required and any potential obstructions in the vicinity are removed before they participate;
- c) to avoid activities if they have, or suspect they may have any current health concerns, injuries, aches and pains;
- d) to avoid the use of blades, weapons or sharp instruments of any description;
- e) to avoid physical contact with other participants and comply fully with the most up to date social distancing guidelines;
- In addition, coaches should:
- a) ensure that sessions are conducted only for the benefit of existing members, participants or contacts who have previously demonstrated the competence necessary to participate safely;
- b) only give instruction on activities for which they hold BKA coaching qualifications/status;
- c) record the session. Retaining the recording for a period of thirty-six (36) months may assist in any claims made against the coaching /advice given;
Note! The above are recommendations. Point 1d advises against the use of live blades during online sessions. Use of these has never been covered by our policy when practicing alone at home.
If any online coaching includes guidance on the use of live blades, Bokuto, Shinai’s etc. coaches must make it clear that each individual must take responsibility for carrying out risk assessment for both their surroundings and equipment and take all actions and precautions necessary to keep themselves safe.