Referees and Match Officials

Rugby referee officiating the coin toss

RFU Referees and Match Officials are provided with:

Combined Liability 

When taking charge of a match, you should do all you reasonably can to reduce or eliminate loss, damage or injury to others. 

If someone suffers an injury it may be alleged that you are responsible as the person in control of the match and you may be required to pay compensation if it is found that you are legally liable. 

Public Liability insurance 

Public liability insurance supports you should a claim made against you following loss or damage to someone's property, or causing them an injury. Cover is provided up to a maximum limit of £25m. 

Professional Indemnity Insurance / Errors and Omissions 

Professional indemnity protects RFU coaches in respect of claims for compensation made against you for financial loss allegedly caused by negligent errors or ommissions in advice that you have provided. This includes defamation cover. 

This is a brief 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 the Policy & Document Hub

This cover includes protection for touch judges, trainers and instructors during an RFU approved activity. 

Personal Accident 

The RFU has arranged Personal Accident insurance cover for referees and match officials working at RFU affiliated clubs and competitions.

Cover applied whilst refereeing or playing, including competitive matches and training, and you are also covered whilst commuting to and/or from a match that you are taking part in. 

The policy provides fixed benefit payments for death and permanently disabling or catastrophic injuries, such as a traumatic brain injury or spinal injury, caused as a result of an accident that occurs whilst you are taking part in the sport.  

Cover is not included for sickness or injuries resulting from a medical condition.

Cover is also not included for loss of income if you are temporarily injured. If you feel that such cover is required we recommend that you take out an additional policy that is appropriate for your needs. 

More details of the Personal Accident insurance on the Policy & Document Hub. 

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We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

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