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Insurance – Public Liability & Personal Accident

For applications and questions relating to all insurance matters please contact the JMO Insurance advisor Michael Stimpson on 01923 770425 between 11:30-19:00 Monday to Thursday and 11:30-17:00 on Friday or by email to

There are 2 types of insurance: Public Liability Insurance (PLI) and Personal Accident Insurance (PAI).  IMPORTANT: From the 2024-2025 renewal, there is one policy covering both PLI and PAI.  PAI is automatically included, it is no longer optional.  We don’t cover you for ‘Personal Liability’ which is provided as part of your household insurance and has no connection with your being a member of a Morris Side.

Insurance – Public Liability Insurance (PLI) and Personal Accident Insurance (PAI)

Group, Junior Group and Individual Membership of The Morris Federation includes Public Liability Insurance (PLI) and Personal Accident Insurance (PAI).  Associate Membership does not.

Insurance Certificate

Your named contact can download your Insurance Certificate for the current year (26th Jan – 25th Jan) from the Members area If you experience difficulty, contact the Treasurer (Contact us).

Insurance Policy

The JMO’s Insurance Policy for 26th Jan 2024 – 25th Jan 2025 (which also covers stock belonging to The Morris Federation, The Morris Ring, and the Rushcarts), is number: AYC 2339092. The insurer is Ansvar Insurance.

Insurance Terms

Terms for Public Liability Insurance (PLI) (unchanged since 2020).  Note: A property damage excess of £250.00 applies.

thumbnail of Public Liability 2020
Terms for Public Liability Insurance

Terms for Personal Accident Insurance (PAI) (unchanged since 2023):

thumbnail of JMO PA Terms 23

Important – JMO Insurance Advice & FAQs – February 2024

Please read for ceilidhs, use of fire, important exclusions, and travel to USA and Canada.

The Joint Morris Organisations (JMO) is made up of The Morris Federation, The Morris Ring and Open Morris. JMO Insurance cover is available to Morris Sides and groups to provide Public Liability cover whilst dancing out or at practice. This is included in the membership of one of the three member organisations (except Associate Membership which specifically excludes it).

Personal accident cover is also provided for Side members between the age of 16 to 80 (see below).

Additional optional covers are available such as cover for events like organising a Ceilidh, trips to the USA and Canada, etc.

If you have any questions, please contact the JMO Insurance Officer: Michael Stimpson F. Inst. I. C. Heron Wharf. 12 Heron Close, Batchworth, Herts. WD3 1NF.  Tel: 01923 770425   E-mail: StimpsonM@

Joint Sides

If a Joint Side is composed of two separate groups of members and practice in two different halls or practice locations then, in insurance terms, they are considered for insurance as two separate Sides. Also, if both Sides can dance out at separate locations on the same day then, again, they must both have separate cover. A separate premium must be paid through the Morris Federation. This is because the premises risk is doubled as is the performance risk, even if both Sides always dance out at the same time. Please note that if you do fall into this area you must advise the Treasurer, or this could affect the cover provided and your ability to make a claim.

Overseas Sides

Sides based outside of the UK cannot be insured under this policy and must arrange insurance in their country of origin. This, regrettably, includes such Sides whilst visiting the UK and the host Side should ensure that such visitors have arranged insurance cover in their home country which includes cover for dancing in the UK.


Liability insurance is there to cover the individual dancer or musician, or a Side collectively, for claims made against them by a third party for loss of, or damage to, their property or for injury caused arising out of the performance of the Morris or whilst setting up a set or coming off set. Cover is also provided at practice.

The JMO has a policy which covers any member or member Side of the three organisations for such claims.

If a situation has occurred that you feel may give rise to a claim under this policy you should take statements from all members of your Side and any other witnesses, such as members of the public, and send these to me as soon as possible after the incident.

Do not wait for a third party to contact you as this could prejudice your Insurers position in the effective handling of your claim.

The cover provided

This policy covers performance of the Morris (including Mumming, Sword, Clog, Rapper and Appalachian) anywhere in the world with the exception of North America, for which an additional premium is payable, and “war zones” (see below) up to a sum of £10,000,000 limit of indemnity arising out of any one event. A copy of the Policy Wording is available (see above ‘terms and conditions’).  Ukraine/Russia/ Belarus and anywhere else the Foreign Office deem high risk will be excluded.

When a Side renews their annual subscription to the Morris Federation, they will be able to access their ‘Insurance Certificate’ to confirm that the Side, and thus the members of that Side, are covered by the policy as part of their membership.  Your side’s named contact can get this from our Members area (login required):

There is a £250 excess in respect of claims under the Liability cover in respect of property damage. This excess will need to be covered by the Side or Individual responsible for the loss. A Third Party will need to provide evidence to Insurers that the loss they are claiming for was the result of the negligence of, or responsibility of, a member of the Side they are claiming against.

Personal Accident

Cover is provided for Side Members to be insured for accidents whilst dancing for Side members between the ages of 16 and 79. It is not possible to include Side members aged below 16 or over 80. It provides cover for insured members whilst dancing out or at practice and in transit to/from such events. Please note that this cover operates in the UK only.

If going abroad, your travel insurance should provide this cover.

A copy of the policy wording can be found above, see Terms for PAI. Benefits provided are accidents causing death or permanent disablement £10,000 except for those aged between 76 and 80 where the cover is £5,000.

For temporary total disablement the cover, excluding the first four weeks, is £100 per week up to the age of 65, £50 per week for those aged between 66 and 75 and £25 per week for those aged between 76 and 80.

Member to Member Liability

The JMO policy provides the provision for a member of a Side to claim against another member (either of his/her Side or another member Side) as though the injured party was a Third Party for personal injury.

Ales and Days of Dance

These are covered by the policy as they are a normal activity of a Morris Side. Such events are only attended by Side members (or members of guest Sides) and their personal guests (i.e. other halves etc.) but not members of the public who are not connected to the Side.


Where non-members of a Side (or Sides) are invited to a Ceilidh by paying for a ticket then this becomes a public event.

If it is being organised by a member Side then the liability can be covered at an additional premium.  The cost of this will depend on a number of factors but will normally not be charged if there are less than 1,000 ticket holders attending. Please just send details of the event including date, location, and expected numbers attending by e-mail to I will record your event so that your Side can be insured.

Please note that we are not able to provide cover for such events unless these are organised by a Member Side and cover can only be granted if the Ceilidh Band carry their own insurance – do please check on this point.

Folk Weekends

If your Day of Dance turns into a Folk Weekend (this has happened) then you will need to arrange your own insurance for the event.

There is a grey line between a Weekend of Dance and a Folk Weekend – if you are charging money to the public to come into a venue to see and/or listen to a programme of events it is a Folk Weekend. If the weekend includes more than just Morris the same applies.

If you are just dancing or Mumming at pubs in your area with other Sides you have invited for a day or weekend then it is a Day (or weekend) of Dance. If you have a private function in the evening on the Saturday (i.e. just for the visiting Sides – no public invited) then it is a Weekend of Dance. Both are included in cover.

Kit and Instruments

No cover is provided for kit and instruments which are the personal property of a Side member. Kit would be covered as clothing under the All Risks personal property section of your household policy as clothing.

Instruments should be specifically mentioned on the schedule, and it is wise to put in writing to your personal insurance provider that you want your instrument covered for “all risks”. Subject to Territorial Limits which will often be UK.  Cover may need to be increased if taking abroad.

Many Insurers do not like providing All Risks cover for musical instruments as they have visions of “The Who” on stage. You may need to explain patently that the Morris is a gentle folk tradition and that you do not play in a Rock Band.

Fire, use of.

If you wish to use naked flames as part of your performance, then this is NOT included in your cover. Such things as flaming torches and sticks can be considered by Insurers but will need to be submitted well in advance of an event and include a Risk Assessment and Health and Safety document highlighting the possible risks, the risk factor and the steps proposed to reduce the risk of a claim.

Insurers may decline to offer cover or charge an additional premium.

Rush Carts

We are able to insure Rush Carts under the policy for member Sides. Please telephone to discuss. The separate premium must be met by your Side. Cover is provided on the basis that the cart is used throughout the year. Whilst carts are only used for about three weeks in any twelve months and kept in storage for the rest of the year, the dates the carts are used differ which makes it impossible to provide cover in any other way.

Trips Overseas

The JMO policy covers Sides for Public Liability for dancing the Morris and allied traditions anywhere in the UK and worldwide EXCEPT North America (USA) where an additional premium is payable – Ukraine, Russia, Belarus and always refer to the Foreign Office for others.

If you are dancing outside of the UK please send an e-mail to providing the dates of your first and last performance, the location and country you are visiting and the number of Side members involved.

Please note that the cover under the JMO policy only covers Sides whilst dancing and each Side member will need to have the protection of a separate policy if dancing abroad for Personal Liability – this is included in the cover available as part of your travel policy. It is a good idea to either have a group travel policy or for each Side member to effect their own travel insurance policy either for the trip or on an annual cover basis.

This will provide, amongst other covers, Personal Liability, Travel Delay and Cancellation Cover, Personal Accident and Medical Cover. In addition, you can normally include or exclude baggage – if you have all risks on your household policy you can exclude this and reduce the premium. (Do check with your Household Insurers that the cover under your All Risks, or Personal Property, will cover your trip.).

If you are going to North America (USA and Canada) you will need to pay an extra premium for the Liability Cover. This will depend on a number of factors, including the duration of the trip and the number of spots you are dancing. Please provide the same details as above and we will obtain a premium for you.


Workshops run by a Side to introduce the Morris and (hopefully) attract new members are covered but where an individual is asked to run a workshop or series of workshops for a local school or youth group and where this is not a Side activity then this is not insured. You will very often find that the organisation concerned has a policy which can cover such events but do check.

Insurance Premium Tax

This document refers to Insurance Premium Tax. This is a tax placed on the premiums by the Government which, at the time of writing is 12%.

Other covers

As advised above, the JMO policy provides Public Liability and Personal Accident cover for all Sides who are members of one of the three Morris Organisations. With the exception of Rush Carts, no other cover is available.

Further Questions

If you have any further questions relating to Insurance, please contact Michael Stimpson on 01923 770425 Monday to Thursday between 11.30 and 7pm and 11.30 to 5pm on Fridays.

Please note, I cannot confirm that you have paid your subscription and are thus covered by the JMO policy. The Organisation your Side belongs will be able to confirm this.

On the same basis, I am not able to send you a “Proof of Insurance” document.  Your named contact can download this from the Members Area.

Please remember, in the event of a claim or possible claim under the Liability cover, you should contact me with full details as soon as possible.

Michael Stimpson

Last updated: February 2024

Last Updated: November 2023

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