Club Insurance

Combined Liability

A club should do all it reasonably can to create a safe environment and reduce or eliminate loss, damage or injury to others. If someone is injured at your club, or whilst taking part in club activities, or if property is damaged, the club could be held legally liable to pay compensation.

For your protection, the RFU has arranged liability cover with RSA for RFU Affiliated clubs in National League 1 and below, which includes:

  • Public Liability insurance - protects the club and its committee or board against a claim made against you following loss, damage or injury to someone else or their property. Cover is provided up to a maximum limit of £25m. 
  • Employers Liability insurance - covers the club, or committee if held liable for an injury that an employee suffers during the course of employment. The policy includes injuries to volunteers and the maximum limit of cover is £10m. This is a legal requirement. 
  • Director's & Officer's insurance - all club committee, board members or trustees have a personal liability for any claim that is made against the club for breach of duty to a maximum of £2m any one claim/per policy year. The policy to protect club officials and committee or board members and trustees.

Insured Activities

It is important that you understand what activities your club is insured to undertake. Full details can be found here.

Personal Accident Cover

Cover has been arranged that will pay a lump sump benefit in the event that any club player suffers an injury that leaves them permanently disabled. See here for further information

Evidence of Cover

If you need to provide confirmation of your liability insurance cover, you can download a copy here for 1 August 2019 to 31 July 2020.

The RFU Affiliated Clubs' Employers Liability certificate is here 

Legal and Tax Advice 

The RFU has arranged helplines for clubs to obtain free advice on any legal or tax related matter, as well as online support for the creation of standard contracts and legal documents.

Legal Helpline (24hr):
0330 303 1877

Tax Helpline (9-5, mon-fri):
0330 303 1877

Confidential Counselling:
0330 000 2082

Online Legal Documents

RFU clubs are also provided with online support for the creation of legal documents. This service allows clubs to draft your own legal documents instantly, simply by answering a series of easy-to-answer questions. 

Many documents are available free of charge, and include such things as:

  • Employment agreement
  • Consultancy agreement
  • Employee handbook
  • Website privacy policy
  • Health and safety policy creator
  • Agreement for the supply of goods
  • debt collection letters

To access the system click here. You will need to register by entering the RFU clubs' voucher code - ARAG751BIZ