The Australasian Morris Ring has two insurance policies; Public Liability and Dancer Injury. Any side wishing to be covered by this insurance policy must contact the AMR Bag to sign up, pay an annual fee to retain coverage, and provide a list of members (dancers, musicians and other participants), to be updated annually.
All insurance claims must go through the AMR Bag.
If a claimable incident occurs, the Squire of the relevant side should advise the Squire or Bag of the AMR as soon as possible. The Squire of the side making the claim needs to be prepared to validate:
that the person making the claim is a member of the side (if not a member of the public or an inanimate object)
that the incident was during legitimate Morris Activity (for example, dancing, watching a gig or being in a building near a gig, or cutting sticks)
the nature of the injury or damage.
The Squire of the side should be prepared to sign a statutory declaration of this information if necessary.
The AMR Bag will contact the insurance broker and will forward requirements back to the side.
The Squire of the insured side must be prepared to validate any claim to the AMR. To validate a claim the AMR authorised officers require a signed statement of what occurred from the Squire and another member of the claiming side who witnessed the event (but is not making a claim).
However, the insurance company might want some more information. It is advisable to obtain the following as soon as possible:
contact details of people involved
photographs, if possible, of damage
receipts of any monies paid and why
any doctors’ certificates and statements of injury and treatment
any other information relayed to the Squire of the side making the claim, as required by the insurance broker.
Examples of claims that can be made:
1. Property Damage
This is obvious and would be damage to a building, surface or object caused by the performance of Morris at an event or practice, that could not have been anticipated e.g. a broken stick breaking a window.
2. Injury To A Dancer Or Musician (or member of the public watching a foot-up)
Also obvious – for example, broken ankles or knuckles that occur during a foot-up or practice, or injury caused by flying parts of a broken stick or treading on some unsuspecting bystander. Long term injury to knees etc, caused by persisting to dance long after various body parts have indicated that it’s time to stop, might be another matter altogether!
3. Member of Public Doing Workshop.
If an insured member side of the AMR runs a workshop with members of the public participating, the participants are covered in the event of injury as above.