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Rugby insurance
Protecting you on and off the pitch
Serving the rugby world
Rugby governing bodies could have chosen any broker to handle insurance for their members. But the Rugby Football Union (RFU) and the Welsh Rugby Union (WRU) chose Howden.
We’re proud of that. Just as we’re proud that when the British and Irish Lions tour Australia in 2025, it’ll be our name on the front of the jersey.
We’re rugby fanatics, just like you. We understand the sport, provide cover to clubs nationwide, and know the risks you face inside out.
You can trust Howden to really understand your needs.
We're as passionate about rugby as you are, bringing you:
- Years of experience working with amateur and professional rugby clubs
- Policies designed to fit rugby's unique challenges
- Claims specialists who deal with rugby claims every day
- Preferential rates for rugby NGB affiliated clubs
Our account handler’s meticulous attention to detail and deep understanding of our specific needs have ensured that Grasshoppers Rugby Club is protected at the correct level. The thorough and thoughtful work by the Howden team has provided us with immense peace of mind. Their professionalism and commitment to excellence have truly set them apart.
Kitted out for greatness
Proud to be on the front of the new Lions men's jersey.
Howden. Insuring greatness.
What we can help you with
We've worked alongside rugby's governing bodies to design insurance policies that meet the needs of rugby clubs and their players, based on our longstanding experience in the sports insurance sector.
If you’re looking for cost-effective rugby insurance that delivers the specific protection you need, we can help with:
Property, contents, and business interruption insurance
Our rugby property cover can protect every aspect of your home ground, from the buildings and contents, to the playing surfaces and equipment.
Policies are purposely written to cover rugby-specific needs, such as scrum machines, scoreboards, floodlights, and posts.
You can also add optional extensions to your cover, including:
- Loss of licence
- Legal expenses
- Theft by employees
Get in touch with the team for a quote.
Personal accident cover (for catastrophic injuries)
It’s not just the dislocated shoulders or broken ankles that hurt. Needing to pay for treatment and long-term recovery can sting too.
Our personal accident insurance is designed with rugby players in mind, which means it covers the serious injuries you’re most likely to suffer when out on the pitch.
If your club is affiliated with a governing body, you may already have automatic personal accident protection. Find out more about this cover for clubs in England and clubs in Wales. For Scotland and Northern Ireland, contact us for more information.
Rugby tour travel insurance
If you're taking the game abroad, you’ll want to know your tour party is covered. Our specialist rugby travel insurance includes cover for:
- Medical and emergency travel expenses and assistance, including emergency treatment for rugby injuries
- 24/7 emergency and security assistance
- Cancellation, curtailment, or change of itinerary
- Personal baggage and money
- Personal accident
- Passport indemnity, loss of passport and travel documents
- Playing and training equipment
- Cancellation, curtailment, or change of itinerary
- Travel delay
- Personal liability
So, wherever in the world you're heading, you can be sure you have the protection you need if the worst happens.
Events insurance
From some of the world's largest tournaments to fireworks night at the local rugby club, we can arrange events insurance to match your needs.
Event insurance helps you when the event runs into problems due to situations beyond your control. Policies are designed to cover costs, expenses, and revenues when an event is cancelled, abandoned, postponed, interrupted, or relocated.
And if an event's success relies on a prominent individual being there – perhaps an ex-player giving an after-dinner speech – we can include elements of non-appearance cover.
Liability insurance
Liability insurance is important for all rugby participants, including players, coaches, referees, and club officials.
Clubs affiliated with the RFU and WRU are provided with liability protection for the club and its players, coaches, and managers.
If your club is not affiliated, we're able to arrange an appropriate liability policy for you, designed to the same rugby-specific standards.
Depending on your role in rugby, your combined liability policy can include:
- Public liability
- Directors' and officers' liability
- Professional indemnity
- Employee liability
- Errors and omissions
Protect your income
Income protection insurance for amateur rugby players helps replace lost income if you can't work due to injury or illness. But did you know it covers more than sport injuries, including wider risks in your day-to-day life?
Professional or amateur, we're ready to help
Howden is the largest privately held global insurance intermediary group outside North America, with more than 18,000 colleagues spread across more than 55 territories. We manage more than US$35bn in global premiums each year.
In other words, it doesn’t matter if you’re a major tournament, a professional club, a small local club, or a volunteer helping out – we have the resources and expertise to get you the insurance you need.
