Insurance

injury

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.

2015 Insurance Premiums

Public Liability Per Club: £84.80
Mens Personal Accident: £189.59*
Youth, Junior and Women Personal Accident: £51.79*

*includes Death by Natural Causes Premium

Public Liability Insurance (including player to player cover)

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 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.

Personal Accident Insurance

The policy covers Accidental Death and Permanent Total Disablement from any occupation and as such only provides cover for catastrophic injuries. The benefit levels are highlighted in the tables below. Due to the basic level of the mandatory policy additional cover is available for amateur players and/or teams to top up this cover.

Summary of Mandatory Personal Accident Benefits

Benefit

Person Aged Under 16

Person Aged Over 16

Accidental Death

£20,000

£50,000

Permanent total disablement from gainful employment from any and every kind

£215,000

£215,000

Permanent total disablement from any gainful occupation for which they are fitted by way of training, education or experience

£215,000

£215,000

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

Person Aged Under 16

Person Aged Over 16

Death
(not caused by an accident)

£7,500

£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 Operations Department on 0844 477 7113 (option 4) or via e-mail operations@rfl.uk.com

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. Mens £14.50, Womens, Youth and Junior £6.00.

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 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.

Reporting Serious Injuries

In the case of a player suffering death or serious injury at a Rugby League game or training session at any level, the referee or a club official should contact one of the RFL Officials listed below as soon as possible within the two hour period immediately after the incident or after the extent of the injury becomes known:

KELLY BARRETT: 0773 9819750
EMMA ROSEWARNE: 07850 483736
GAVIN WILD: 07891 311251

For the purposes of this reporting system the following are viewed as serious injuries:

  • Broken neck or spine
  • Heart attack
  • Stroke
  • Incident in which the player stops breathing
  • Incident in which the player loses consciousness for a period of more than five minutes
  • Head injuries leading to surgery or a stay of more than 48 hours in hospital
  • Any other injury which is life threatening


The following information should be provided to the RFL Official:

  • Name of the player
  • Age
  • Nature of injury
  • Cause of injury if apparent
  • Venue where injury occurred
  • Contact details for player's family if available
  • Name of player's club
  • Club contact details
  • Hospital to which the player has been taken if known
  • Any other relevant information


The RFL Official will:

  • Inform the RFL Serious Injuries Officer, Steve Ball who will make contact with the player's family to see if there is any immediate support the RFL can offer
  • Inform the rest of the group that the injury has occurred
  • Handle enquiries from the media
  • Deal with any requests for immediate assistance for the player's family
  • Inform the RFL Insurance brokers on the first working day after the incident