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Liability law

Two staff members kneel beside a player on a football pitch

Sports liability lawyer

Who carries the loss after a sports accident?

Things go wrong on and around the pitch. A player is badly hurt by a tackle, a spectator falls through a loose step in the stand, a rider hits an unsecured barrier on the course. The question is always the same: who carries the loss, and which insurer pays. The answer comes from Belgian tort law, from the statutes and regulations of the federation, and from the policies the club or the organiser has taken out.

Everest Sports Law handles these files for athletes, clubs, federations, organisers and their insurers. We combine liability and insurance law with knowledge of the sector itself: the rules of play, the risks a discipline accepts as normal, and the role of referees and supervisors. From Ghent, Brussels, Antwerp and Hasselt we also run cross-border files, where the accident happened abroad and the competent court and the applicable law are in dispute.

Put your file to us

What we do for you

We act from the first notification through to the judgment or the settlement.

Personal injury of athletes

We quantify and claim the loss of an injured athlete: medical costs, loss of income, permanent disability and non-material damage. We protect your position during the court-appointed medical expert procedure and test every offer against the Belgian indicative table.

Organiser liability

Anyone who stages a match, a road race or a tournament owes a duty of care to entrants and public. We review your course protection, your marshals and your medical cover, and defend you when a participant or a spectator brings a claim.

Clubs and federations

A club answers for its coaches, staff and appointees, and carries a heavier duty of care towards members who are minors. We review your supervision, your internal rules and your membership terms, and conduct the defence when a member or a parent sues the club.

Volunteer liability

The Belgian Volunteers Act of 3 July 2005 places liability on the organisation, except in cases of fraud, gross fault or repeated slight fault. We check whether your helpers fall inside that regime and whether your compulsory insurance is correctly arranged.

Damage to infrastructure

A defective sports floor, a loose goalpost or a subsiding stand triggers the liability of the keeper of the thing. We act for owners, operators and municipalities, and recover the repair costs from the contractor or the user.

Insurance and cover disputes

We read your public liability policy, your sports accident cover and your legal expenses insurance, and contest a refusal of cover or an inadequate payment. We negotiate with the insurer and issue proceedings where no settlement follows.

How a sports liability lawyer runs your file

Who decides

Claims up to 5,000 euro go to the justice of the peace, larger claims to the court of first instance. Where a criminal investigation runs, you join as a civil party. For an accident abroad, Brussels I bis and Rome II set the court and the applicable law. Where the dispute is a sporting one and the regulations of the federation provide for it, the route can instead lead to the Court of Arbitration for Sport in Lausanne.

Time limits

A tort claim expires five years after you learn of the damage and of the liable party, with an absolute limit of twenty years. A contractual claim expires after ten years. Your policy also demands notification within a few days.

What to do first

Secure the facts at once: photographs, witnesses, the match sheet and a medical certificate. Notify the club, the federation and the insurer. Admit no liability and sign no discharge before you take legal advice.

Frequently asked questions

Within what period must I bring my claim?

A non-contractual claim lapses five years after you learn of the damage and of the person liable, with an absolute limit of twenty years. A contractual claim lapses after ten years. Your policy also requires notification within a few days. Those two periods run alongside each other, and the shorter one often decides what is still possible.

Which court hears my claim?

Claims up to 5,000 euro go to the justice of the peace, larger claims to the court of first instance. Where a criminal investigation runs, you join as a civil party. For an accident abroad, Brussels I bis and Rome II set the court and the applicable law.

Which insurer do I notify?

All of them. There is often more than one: the federation sports cover, the family policy, the organiser’s policy and your own accident insurance. Each policy has its own notification period. Report the accident everywhere, even where you do not yet know who will pay.

The insurer offers a sum. Can I sign?

Not while your injury is not consolidated. An offer often comes with a declaration that excludes any further claim, and before consolidation nobody knows what the damage will finally be. Have any offer checked before you sign, and admit no liability in the meantime.

Is our club liable for an accident involving a volunteer?

The Belgian Volunteers Act of 3 July 2005 places liability on the organisation, except in cases of fraud, gross fault or repeated slight fault. Whether your helpers fall inside that regime depends on their status and on how they are deployed. We check that together with your compulsory insurance.

Get in touch

Are you involved in a sports accident?

Call +32 (0)9 334 94 70 or write to sport@everest-law.be. We review your file and tell you where you stand.

or call +32 (0)9 334 94 70

Everest Sports Law