Insurance
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.
2019 Insurance Premiums
Public Liability Per Club: £221.35
Men’s: *£214.65 per team
Under 18, Under 17 and Women: *£68.36 per team
Under 16 and below: *£50.08 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 iroberts@bartlettgroup.com - 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
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 | £25,000 |
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 iroberts@bartlettgroup.com
Newly Formed Clubs/Teams
Cover can be obtained by contacting the RFL’s Community Game delivery team by e-mail: operations@rfl.co.uk
An agreement has been reached with Ace that there is a staged approach for new clubs/teams.
YEAR 1*
All new teams are covered free of charge
YEAR 2*
New teams are covered at 50 per cent of annual premium
YEAR 3
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 £50.26, Under 18, Under 17 and Women’s £29.70, Under 16 and below £11.42.
Reporting Injuries
In the event that the club needs to make a claim then please contact the RFL’s Operations Department via e-mail operations@rfl.uk.com
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