Employee members of the IBM Club are covered by the global IBM [public liability] policy, both when acting as event organisers and when attending events, with cover up to a maximum of $5m.

Retiree and family members of all Clubs (except Hursley) are covered by a separate public liability insurance policy, both when acting as event organisers and when attending events, with cover up to a maximum of £5m.

The policy does not provide personal accidental loss cover, or damage to your own property. It does not remove the need for individuals to understand and act on their own personal insurance needs. In the event of an incident, the affected Club is responsible for handling and reporting the incident to the relevant policy provider. The IBM Club Oversight Manager should also be notified.

See here for the Summary of Cover and here for the Key Facts including important exclusions and how to make a claim.