A club should do all it reasonably can to create a safe environment and reduce or eliminate loss, damage or injury to others. If someone is injured at a club, or whilst taking part in club activities, or if property is damaged, the club could be held legally liable to pay compensation.
The RFU has arranged liability cover for RFU Affiliated clubs in which includes:
Public Liability insurance – protects the club and its committee or board against a claim made following loss, damage or injury to someone else or their property.
Employers Liability insurance – covers the club, or committee if held liable for an injury that an employee suffers during the course of employment. The policy includes injuries to volunteers. This is a legal requirement.
Insurance provided by the RFU covers all rugby activity as well as a wide range of social, fundraising and commercial ventures for affiliate clubs at level 3 and below. Before undertaking any activity, clubs should check it is covered by the RFU policy.
Personal Accident Insurance
All players are covered by the RFU’s Personal Accident Insurance. The policy, arranged with RSA, provides fixed benefit payments for death and permanently disabling or catastrophic injuries. This includes traumatic brain injury or spinal injury caused as a result of an accident that occurs whilst taking part in the sport.
Cover is not included for sickness or injuries resulting from a medical condition. If the club, player or parent/guardian(s) feel that such cover is required, it is recommended that an additional policy is taken out that is appropriate to the added need.
First Aider / Healthcare Professionals Insurance
It is very unlikely that any action would be taken against a first aider who appropriately uses their first aid training. The RFU Insurance provides liability cover for clubs at level 3 and below in respect of first aiders carrying out their duties for the club.
All clubs/organisers should check that any healthcare professionals (HCPs), who provide services, have their own indemnity insurance in place. Clubs/organisers who engage such personnel, or deploy volunteers in this capacity, may have a vicarious liability for their actions.
Such liability is covered under the insurance for clubs at Level 3 and below.
HCPs should have their own insurance arrangements as a requirement of their regulating body. Below the elite level of sport, such insurance will usually be provided at no additional cost to them, as long as they have the appropriate training and experience. HCPs should be able to provide evidence of registration with or membership of their relevant regulatory body or society.
For more please visit the England Rugby Insurance website.
MORE RUGBYSAFE FOR CLUBS
Club RugbySafe Lead
It is highly recommended that clubs identify a Club RugbySafe Lead to ensure that the club is meeting its responsibilities for the welfare of players and that it is complaint with Regulation 9.READ MORE
RFU Regulation 9 (Player Safety)
Safety is of paramount importance, it is therefore essential for those involved in the Game to consider their own safety, and the safety of others at all times.READ MORE
A club should do all it reasonably can to create a safe environment and reduce or eliminate loss, damage or injury to others.READ MORE
An annual first aid specific risk assessment should be carried out to assess the provision requirements.READ MORE
First Aid/Immediate Care Provision
The level of cover that it is reasonable and practicable to provide will depend on the individual circumstances of the club or event organiser.READ MORE
First Aid/Immediate Care Training
Clubs should ensure that any first aid/immediate care training is appropriate and meets the RFU’s minimum requirements (equivalent to Level 3 Emergency First Aid at Work).READ MORE
Minimum Standards for Coaches and Referees
High quality coaching and officiating can contribute to reducing the risk of injury occurring.READ MORE
First Aid Facilities & Equipment
Where possible and practicable, clubs should have a suitable first aid room (or rooms) for use during rugby and other sporting activities.READ MORE
Medical Emergency Action Plan
Clubs have a responsibility to ensure that their facilities provide a safe environment.READ MORE
Incident & Injury Recording/Reporting
The RFU recommends that all clubs and organisations that run rugby activity keep a record any incidents and injuries both on and off the pitch.READ MORE
Management of Suspected Concussions
Clubs should ensure that all coaches and referees are aware of the RFU’s HEADCASE concussion guidelines.READ MORE
RugbySafe Best Practice
The experience of rugby can vary greatly from club to club.READ MORE