Refs and Coaches Liability
Insured - The Rugby Football Union, Rugby Football Union For Women, England Rugby Football Schools Union, Constituent
Bodies, Rugby Football Referees Union, Federated Referees Societies and/or Referee Society, England Colleges Rugby
Football Union, Students Rugby Football Union.
Who is insured – any person acting as a referee, touch judge, coach, trainer, instructor or voluntary medical attendant during
a Rugby Football Union approved activity
Who is NOT insured – qualified medical practitioners whilst acting in a medical capacity (i.e. those covered by the General
Medical Council).
What are you covered for – legal liability for damages in respect of accidental injury of any person and accidental loss of or
damage to property in connection with the activities of the rugby club.
Where does cover apply – anywhere in the world excluding USA/Canada unless with the written prior authorisation of the
Rugby Football Union.
Indemnity limits for the period of insurance -
o £15million for any one event
o Limited to £15million for all events in respect of products liability
Public and Employers Liability
Insured - The Rugby Football Union For and On Behalf of Any Rugby Football Club (other than Premiership, Championship,
Services, Schools and Student Clubs) In Membership of The Rugby Football Union or any other Club, Team or Group
which carries the approval of the Rugby Football Union.
All Members and any Employee of the Insured Club
Who is not covered –
o any club who is not affiliated to the Rugby Football Union or does not carry their approval
o any services, schools or student clubs except in relation to playing risks
o Premiership and Championship clubs
Public/Products Liability
What are you covered for – legal liability for damages in respect of accidental injury of any person and accidental loss of or
damage to property in connection with the activities of the club.
Where does cover apply – anywhere in the world
Indemnity limits for the period of insurance –
o £5million for any one event
o Limited to £5million for all events in respect of products liability
o Limited to £15million for all events across all clubs in respect of playing risks
Main exclusions –
o Any deliberate act
o The first £250 each and every loss in respect of third party property damage.
o Claims arising from the use of
 mechanically propelled vehicles other than when used as a tool of trade on site
Employers Liability
What are you covered for – legal liability for damages and claimants’ costs and expenses in respect of death, bodily injury or
disease sustained by an employee and caused during the period of insurance arising out of and in the course of employment by
your rugby club in connection with their activities.
Where does cover apply – anywhere in the United Kingdom and temporary visits overseas
Indemnity limits for the period of insurance –
o £10million each and every loss
o £5million each and every loss in respect of terrorism
DETAILS OF COVER PROVIDED BY THE RFU FOR CLUBS
Directors and Officers
Insured - The Rugby Football Union For and On Behalf of Any Rugby Football Club (other than Premiership, Championship,
Services, Schools and Student Clubs) In Membership of The Rugby Football Union or any other Club, Team or Group
which carries the approval of the Rugby Football Union.
Who is insured – any person acting as a director, officer, committee member, trustee or employee (acting in a managerial or
supervisory capacity) of an affiliated Club above.
Who is not insured –
o any external auditor, liquidator, administrator, receiver or solicitor to the Club
o any person described above acting on behalf of a student or services Club
What are you covered for – claims made against the insured in respect of wrongful acts provided that its is first made during
the policy period
Where does cover apply – anywhere in the world excluding USA/Canada.
Indemnity limits for the period of insurance - GBP 10,000,000 all claims first made during the policy period but limited to
GBP 2,000,000 by a single club in the aggregate
Exclusions – any claim arising from bodily injury, mental anguish or emotional distress, illness, disease or death of any person
USEFUL CONTACTS:
Claims notifications: Marsh Claims: 0131 311 4254
RFU Tours: RSA 0845 678 0070 Email: enterprise.mailbox@uk.royalsun.com
Rules & Regulations: RFU 0208 831 6727
Clubs Voluntary Property Insurance: :
Jason Cook Telephone: 01444 335392. Email: jason.d.cook@marsh.com
Chris Scanlon Telephone: 01444 335393 Email: christopher.scanlon@marsh.com
RFU Arranged Insurance Covers Email: rfu.clubs@marsh.com