Insurance for rugby coaches

Coach collecting corner flags

How coaches are protected

Coaches at RFU affiliated clubs are automatically covered by Combined Liability insurance and Personal Accident insurance. 

What is Combined Liability insurance?

The RFU has arranged liability protection for coaches working at any RFU club or competition. This includes Public Liability insurance and Professional Indemnity insurance. We’ve summarised what coaches are covered for under the RFU’s Combined Liability arrangement below.

Public Liability insurance

Public Liability insurance covers legal and compensation costs if coaches accidentally injure a third party or damage their property, and a claim is made against them. It provides up to £25m of cover. 

Professional Indemnity insurance 

Offering guidance and advice is what coaches do – but mistakes can happen. Professional Indemnity insurance covers the legal costs and any compensation awarded for negligence, errors, or omissions in a coach’s advice. This includes defamation cover if they’re accused of harming someone’s reputation.

Find out more about Combined Liability insurance.

A coach was sued for compensation after an allegation that their poor coaching had caused a player to get a back injury. The Professional Indemnity insurance provided through their RFU insurance handled the legal costs of defending the claim.

Are all coaches covered?

Coaches at RFU affiliated clubs at men’s Level 3 or below, or Women's Championship or below, are covered by the RFU’s Combined Liability policy. Coaches working at a school, college, or university on behalf of that club are also covered. 

However, freelance coaches that are paid for their work, whether as a sole trader or company, aren’t covered under the RFU Combined Liability policy. In this case, they’ll need to arrange their own liability cover.

As part of their duty of care, when running a session, coaches should do all they can to create a safe environment for everyone taking part. 

Personal Accident insurance

Personal Accident insurance is financial protection if a coach suffers a permanently disabling injury or dies due to their work for the sport. Rugby Union coaches working at an RFU affiliated club or competition automatically have this cover.

What’s covered?

This cover pays out a lump sum if a coach is permanently injured or disabled or dies due to a rugby-related accident. This includes cover for catastrophic traumatic brain and spinal injuries.

Accidents while coaching or playing, during competitive matches, and training are covered, along with commuting to and from rugby. 

What’s not covered?    

This policy doesn’t cover coaches for sickness or injury from a medical condition. It also doesn't cover lost income if a coach has a temporary injury. 

Find out more about Personal Accident insurance.

Policy documents

We're always here to help

Do you have an existing policy with Howden?

For rugby insurance enquiries, call 0121 698 8001. Alternatively, ask your question below and we'll be in touch.

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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.

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