Activators

Activators play a vital role in facilitating play for adults and children by providing a fun and engaging environment for anyone to participate, particularly for those who are new to tennis.

Activators are primarily a voluntary role, however in some instances, individuals may be paid. Activators operating within an LTA-registered venue can earn up to £5,000 a year under the LTA’s public liability insurance policies. If turnover or earnings for on-court activity exceed this threshold, insurance must be obtained through LTA Coach Accreditation (which would require completing a formal coach qualification).

Coaches who have qualified through the LTA will have completed seven or more days of formally assessed qualifications, whereas tennis activators will typically have completed training of approximately one day in duration without a competency-based assessment.

Need to know

  • Activities or sessions should be advertised as ‘Tennis’, 'Padel', ‘Sessions’ or ’Play’. An activator should not advertise activities using the terms ‘coaching’ or ‘lessons’.
  • If you are an LTA Qualified and Accredited Tennis coach you can activate and be insured. A coach can fulfil the role of an activator, without further qualifications.
  • If you are an activator and want to coach, you will need to gain coaching qualifications. 


For more information about exclusions, see the full policy schedule in the Policy and Document hub. 

Are there any other exclusion criteria?

The limits of cover are clearly defined in the full policy schedule which can be accessed from the Policy & Document hub as mentioned above.
 

Need to claim?

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What to do if you are experiencing financial difficulties

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:-

-contacting your Howden Service Team; 
-calling Howden on 020 7623 3806;
-using the Enquiry form.

Our Website Terms and Conditions and Privacy Notice includes information on the scope of our service and how we will handle your data.

Frequently asked questions

We get asked a lot of questions by Activators and coaches - here are some of the main ones:

FAQS

Coaches are automatically included under the LTA’s Public Liability policy when they become a current member of LTA Coach Accreditation (both Accredited and Accredited+ tiers). They are insured for the on-court coaching that they are delivering at any venue (including local authority courts/parks) provided that:

  • They are working within the remit of their competence (competence is defined as a combination of qualifications, experience and training/CPD)
  • Adequate risk assessment has been undertaken by the coach and/or venue to ensure that the venue is fit for play before undertaking coaching.

The limit of indemnity for the LTA’s Public Liability policy is £60m. For professional indemnity, it is £10m.

Yes. If you coach under a trading name (e.g. John Smith t/a Elite Tennis Coaching) then you are working as a sole trader and so cover will still apply.

Public Liability cover is provided to you as an individual coach and includes cover for coaching you perform as a sole trader (i.e. under a "trading as" style). If you have formed a limited company, and you are the only employee as the Accredited/Accredited+ Coach, Public Liability cover remains in place. However, if you, as a limited company have more than one employee, then the cover is no longer valid. Coaches in this scenario should arrange specific insurance for a business, separate to that of the LTA’s Public Liability insurance.

If you wish to enquire about why or to arrange this cover, please contact Howden directly on 0121 698 8160.

Please see the below link which details the coaching liability decision tree.

View document

Yes. If you are employed, then you must ensure you are covered by the business insurance of the company that is employing you. If you are employed at an LTA registered venue, then you will have cover through their policy whilst working at that specific venue. However, if you are not formally employed (i.e. contracted/self-employed) then you would need your own Public Liability insurance to be insured – irrespective of your level of qualification. A cost-effective way to attain this cover would be to become LTA Accredited.

You are insured to coach pickleball as an LTA Accredited tennis coach on the basis that you are competent. Competence is defined as the combination of appropriate qualifications, experience, and training. The LTA recommends getting training or attending CPD on pickleball but if you hold an LTA tennis coaching qualification (Instructor or above), you will be insured to lead pickleball sessions. As with all activities, please ensure it is adequately risk assessed.

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