Liability Insurance is defensive insurance that protects against a claim made against you, including the cost of legal fees. The RDA has arranged the following classes of insurance cover for its coaches:
Public Liability - accidental bodily injury to third parties and or damage to third party property
Professional Indemnity - injury following coaching/instruction including incidental advice
Libel & Slander - liability following something you might have said or written down (including defamation claims)
In the event of claim the limit of indemnity is the maximum the policy will pay. The following limits are provided by the RDA insurance scheme:
£20million Public Liability
£10million Professional Indemnity (including Libel & Slander).
Howden believe that £20million is the appropriate amount of cover to provide RDA Groups, coaches and volunteers with peace of mind in the event that an individual is held responsible for causing a catastrophic injury. Claims involving sport and recreation injuries have already exceeded £10million in recent years with court awards escalating annually.
Yes, a £250 excess applies to any third party property damage claim.
Coaches reviews must be up-to-date. If this is not the case your insurance may be invalidated for RDA sessions.
The RDA Insurance policy will provide you with cover whilst you are coaching in any RDA recognised activity.
Yes, but only in the defence of claims.
You should immediately record all relevant information as defined in the RDA Claims advice sheet.
If there are verbal or written allegations made against you, pleaseclick here to notify Howden of the incident.