Find out more about the different levels of insurance cover

There are three mandatory insurance policies in place covering Public Liability, Personal Accident and Death by Natural Causes.

Experience over many years has shown the only way to ensure all clubs have appropriate insurance protection is for cover to be arranged on a compulsory basis in this way.

Although permanently disabling injuries are thankfully rare in Rugby League the financial implications of such injuries can be very significant and it is recommended that players and clubs consider whether additional cover is appropriate for their own personal circumstances.

2016 Insurance Premiums


Public Liability Per Club: £87.60
Men’s: *£199.37 per team
Under 18, Under 17 and Women: *£60.89 per team
Under 16 and below: *£46.57 per team

*includes Death by Natural Causes Premium



Public Liability Insurance

Public Liability Limit of Indemnity £50,000,000 any one claim.

Products Liability Limit of Indemnity £50,000,000 any one period of insurance

The public liability policy provides protection for:

  • Clubs
  • Leagues
  • Players
  • Committee members
  • Coaches
  • Volunteers (including first aiders)

The Public Liability policy covers any Rugby League activity conducted by the club including sports and social activities directly connected with Rugby League and products supplied by the club.

Cover also includes tenants’ liability if you do not own your ground.

Any clubs with separate Public Liability policies that do not undertake any non-Rugby League activities should contact Ian Roberts at Bartlett Insurance Brokers - on 0113 259 3529 or e-mail - who can provide confirmation of cover to assist in providing evidence that the other policy is not necessary.

Player to Player cover

Limit of indemnity is £10,000,000 in the aggregate for all claims under the policy in any one period of insurance.

The RFL have once again included Player to Player Liability cover.

This covers the liability of one player for injury caused to another player during the course of a match or whilst training.

It also insures the liability of coaches and match officials for player injuries arising during playing/training.

The cover responds to the cost of any damages arising from a claim and also the often-substantial costs of a legal defence in the courts.

Summary of Mandatory Personal Accident Benefits

Benefit Under 16 Over 16
Accidental Death £20,000 £50,000
Permanent total disablement from gainful employment from any and every kind £250,000 £250,000
Permanent total disablement from any gainful occupation for which they are fitted by way of training, education or experience £250,000 £250,000
Permanent loss of sight in one eye* £50,000 £50,000
Loss of use of one or more limbs £50,000 £50,000
Permanent and total loss of speech £50,000 £50,000
Permanent and total loss of hearing in both ears £50,000 £50,000
Permanent and total loss of hearing in one ear £20,000 £20,000
Loss of Internal Organs - Spleen and/or Kidney(s) £10,750 £10,750
Additional benefit in the event of Paraplegia £75,000 £75,000
Additional benefit in the event of Quadriplegia £125,000 £125,000

*The benefit is doubled in the event of loss of sight in both eyes resulting from the same incident

Summary of Mandatory Death by Natural Causes Benefits

Benefit Under 16 Over 16
Death (not caused by an accident) £20,000 £50,000

Any player or club wishing to take out additional cover over and above that provided by the mandatory policy can do so by contacting Ian Roberts at Bartlett Insurance Brokers on 0113 259 3529 or e-mail

Newly Formed Clubs/Teams

Cover can be obtained by contacting the RFL’s Operations Department on 0844 477 7113 (option 4) or via e-mail

An agreement has been reached with Ace that there is a staged approach for new clubs/teams.

All new teams are covered free of charge

New teams are covered at 50 per cent of annual premium

Team/Club should be enrolled for the full premium and receiving full cover

*Please note that the Death by Natural Causes premium will still be payable in full. Men’s £39.37, Under 18, Under 17 and Women’s £23.27, Under 16 and below £8.95.

Reporting Injuries

In the event that the club needs to make a claim then please contact the RFL’s Operations Department on 0844 477 7113 (option 4) or via e-mail

The RFL’s Operations Department will then contact the insurers to inform them of the injury and request that a claim form is submitted.

Insurance FAQs

Frequently asked questions relating to: 

  • Players
  • League for All Participants – Touch, Tag, Masters, Wheelchair
  • Clubs
  • Coaches
  • Parents, Guardians, Carers
  • Match Officials
  • How to make a claim