Groups

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Protection for your group and its members

RDA groups have a duty of care to everyone working for them, visitors and those taking part in their activities.

Your group must do all you can to reduce or eliminate loss, damage or injury to others if an incident occurs. If you fail to do so, you may be held legally liable if something goes wrong.

In collaboration with Howden, the RDA have arranged cover for approved activities to protect your group.

What’s included in my cover?

Public & Product Liability

This will give your group and committee protection against the cost of a claim when someone is injured or property is damaged up to the limit of £20 million. Cover is provided by Hiscox Underwriting and WR Berkley Insurance.

Employers Liability

In the event the group is held liable for an injury to an employee or volunteer, this cover will protect you to the Limit of indemnity of £10million. Employers Liability is a legal requirement for any organisation that employs staff or volunteers.

Cover is provided by Hiscox Underwriting.

Trustee Indemnity

All trustees have a personal liability for any claim that is made against a group for breach of duty in instances such as mismanagement of group funds, breach of fire safety regulations or corporate manslaughter.

Trustees Indemnity cover is provided by Hiscox Underwriting and specifically protects trustees in the event of a claim up to a maximum of £5 million. 

If you feel that your Group should arrange higher limits of indemnity to those stated above, get in touch with us below to discuss your requirements in more detail.

Legal advice and expenses

Groups receive the benefit of a legal expenses policy and free legal helpline through ARAG plc.

This covers:

  • Employment Disputes
  • Employment compensation awards
  • Employment restrictive covenants
  • Tax Protection
  • Property
  • Legal Defence
  • Compliance & Regulation Statutory Licence appeals
  • Loss of earnings
  • Employees Extra Protection Contract
  • Debt Recovery
  • Crisis Communication

Need to report an incident?

Do you have an existing policy with Howden?

Please tell us what has happened. Someone from the Howden team will get back to you.

Are you, the person notifying the incident, a group, coach, staff, volunteer, or holiday organiser
Name
Address
Telephone number
What type of incident are you notifying?
Are there any witnesses to the incident?

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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We're here to help

If you need help, don't be afraid to ask. Get in touch with our teams:

  • Legal and tax advice - 0344 571 7978
  • Redundancy Approval - 0117 917 1698
  • Crisis Communication - 0344 571 7964
  • Counselling Assistance - 0333 000 2082
  • Claims Line - 0117 917 1698

View the ARAG policy wording

If your Group takes and follows its own separate legal advice it may prejudice your position in the event of a claim under the ARAG policy.

Find out more about your cover

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For any queries regarding insurance, speak to a helpful representative at Howden

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