Combined liability insurance for RFU members

The RFU automatically provides member clubs with insurance for various third-party claims

Known as a combined liability policy, the RFU provides members with a selection of insurances, specifically designed to address the key third party liability risks faced by a recreational rugby club.(including the cost of legal fees).

The combined liability cover includes:

Public Liability Insurance

All individuals involved with your club, either as administrators, coaches, officials, referees or players, should do everything reasonable to ensure they do not cause injury or financial loss to anyone or damage to anyone's property. If their actions do cause injury, loss or damage and 'negligence' can be proved, they become legally liable to pay compensation. 

The RFU has arranged protection with RSA for all RFU clubs in National League 1 and below, referees and officials, which embraces a wide range of activities, including social, fundraising and administrative activities. Public Liability cover is also provided to Constituent Bodies.

The Public Liability cover provides a limit of indemnity of £25m each and every claim, with an excess of £250 to be paid by your club in respect of property damage claims only.

In addition, the cover includes:
  • Products Liability - £25m limit of indemnity, each and every claim and per policy year
     
  • Abuse cover - £15m limit of indemnity, each and every claim and per policy year
     
  • Legionellosis - £15m limit of indemnity, each and every claim and per policy year
     
  • Member to member cover
Professional Indemnity insurance

Cover is now included should a claim for compensation be made against you for financial loss allegedly caused by negligent errors or omissions in advice that you have provided. This includes defamation cover. 

This is a summary of the cover provided. For full details please refer to the cover schedule and policy wording. 

A copy of the policy wording is available on request.

Employers Liability 

Cover has been arranged to protect clubs in respect of claims brought against them by employees who are injured in the course of their employment. This includes claims brought by volunteers, if the volunteer is working on behalf of the club and is injured as a result. 

The limit of indemnity is £10m each and every claim (£5m in respect of claims for terrorism). 

A copy of the policy wording is available on request.

The RFU Affiliated Clubs' Employers Liability certificate can be found on the Policy & Document Hub

Directors and Officers Liability

As a committee, board member or trustee of a club you have a personal liability for any claim that is made against you as a result of a breach of duty in that role. Examples of sucha  breach of duty could include:

  • Mismanagement of club finances
     
  • Breach of fire safety regulations
     
  • Corporate manslaughter

For your protection, the RFU has arranged Directors and Officers Liability insurance to cover this personal liability, up to a maximum of £2m any one claim/per policy year. 

If you feel that your club requires an increased limit of cover, please get in touch to discuss your requirements. 

This is a summary of the cover provided. For full details please refer to the cover schedule and policy wording. A copy of the policy wording is available on request