Insurance
Find out more about the different levels of insurance cover
There are currently two mandatory insurance policies in place covering Public Liability and Personal Accident.
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.
2020 Insurance Premiums - Updated 5th June 2020
Currently Public Liability and Personal Accident insurance cover has been extended, until such time as contact RL is reintroduced, for all clubs at no extra cost. Both polices will offer the same level of cover as outlined below.
The cover provided is under the provision that clubs follow the guidance issued by the both the government and RFL relating to Covid-19 as and when they resume Rugby League activity.
If restrictions are lifted further and the requirement to social distance is relaxed to allow contact, the cover and costs associated may need to be reviewed.
Clubs should be aware that currently the Death by Natural Causes element of the existing policy is not in place and therefore any claims of this nature will not be accepted.
Public Liability Insurance
Public Liability Limit of Indemnity £10,000,000 any one claim.
Products Liability Limit of Indemnity £10,000,000 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
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