Coaches, instructors and group leaders


Howden look after more than 100,000 sports coaches, instructors, trainers and group leaders of all kinds of sport and recreation activities. If we ever tried to fit you all into Wembley Stadium, ten thousand would be left outside. 

As the official insurance broker to over 300 sports’ National Governing Bodies,Howden has risk specialists immersed in your world. Try us for competitive quotes and up-to-the-minute risk management advice.

"From changing room to courtroom, we’ve got your back."

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What is Combined Liability insurance? 

Accidents happen, but legal definitions vary. Combined Liability insurance is a combination of all the different legal wordings you need, in one easy-to-understand bundle. 

Combined Liability covers for:

Public Liability

Covers injuries to third parties and damage to their property.

Professional Indemnity/errors and omissions cover

Ready if you are accused of making a mistake that leads to a legal claim against you.

Libel and Slander

When you say something you shouldn’t…and later regret it. More of a consideration than ever under GDPR.

Employers Liability

If employees or volunteers are hurt or killed, employers liability covers the financial consequences.

Management Liability

If you’re managing a club or organisation, management liability (also known as directors and officers insurance) you can be held personally liable for the actions of your co-directors. 


Where damages are awarded against your organisation, abuse cover will protect the organisation (but not the individual).

More than insurance, we can include:


24/7 Counselling helpline

Stress and mental health can affect anyone – someone to talk to openly makes a big difference


24/7 Legal helpline

Can’t afford legal advice every time you’d like some? You can now. 


Tax helpline 

Mitigate tax risks with specialist advice to help you get on top of it before it’s too late

Andy Goulbourne

Andy leads our team working National Governing and Representative bodies, their clubs, coaches, members and participants, delivering comprehensive insurance protection and innovative risk management solutions. The projects differ, but goal is always the same – to help you deliver safer sport.

A photo of Andy Goulbourne

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