Interesting article bmb. I recall that occasionally, we would discuss at RA Branch Meetings the matter of whether Referees were adequately insured against being sued by a player or club for alleged negligence, for example, playing a game where the pitch conditions were doubtful and a player being injured or a player alleging that a referee failed to safeguard him adequately. Maybe clubs should have Liability Insurance if they don't already?
I would have thought that clubs are duty bound to have liability insurance.
This. And that is why it is imperative that everyone taking part in a game (referees included) needs to be sure that any game has been sanctioned by the relevant authority otherwise any insurance is likely to be invalid. Watch out for pre-season friendlies. Certain games are automatically sanctioned, others are not. Know the rules.