RFU Community Update August 2019
As the new season starts it’s important to ensure you understand the insurance the RFU arranges for clubs and how this protects you and your players.
Club Activities – The RFU arranges extensive Public Liability cover to protect the club from claims arising from your sporting and many commercial activities at Level 3 and below. Full details of what is and isn’t covered can be found on the England Rugby Insurance website.
Cover for Players – Personal Accident insurance is arranged for players which will pay them a significant lump sum if they suffer a catastrophic injury while playing or training. Full details are provided on the website here.
CB Insurance cover - (This one just for CBs but they should have all the others as well but no need to be sent to clubs) As many CB activities are delivered in conjunction with clubs, Public Liability cover for CBs is arranged as part of the cover provided to clubs. Therefore, Public Liability (and Employers Liability) cover for CBs is arranged by Howden insurance brokers as part of the same policy that provides this cover to National League 1 clubs and below. Details of the cover can be found here and if you have any queries please contact Howden on 0121 698 8001.
Directors and Officers liability cover, which provides protection for CB committee members in respect of the management of the CB, remains in place under the RFU corporate insurance, managed by Marsh.
Additional Insurance cover that can be purchased by club or CB or to get a competitive market quote.
Cover loss of income if a players is injured and can’t work in the short term. This cover can be arranged as an add-on to the catastrophic injury cover and to do so please contact Howden, RFU’s insurance broker, on 0121 698 8001 or by clicking here. Full details of the loss of income cover are available on the website here.
Is your club house, your equipment and your club income properly protected? If the clubhouse was damaged and you lost income from the bar and room hire would you be able to survive? Howden can arrange bespoke cover for your club to make sure you are appropriately protected - to find out more, click here.
VAT Helpline: Clubs continue to make savings and benefit from free advice given on the VAT helpline. Clubs can receive advice on how to optimise levels of VAT recovery on general expenditure and facility improvements and also discuss what incomes are VAT free. Clubs wanting advice can access the helpline by either calling Russell Moore on 07710 329317 or by sending an e mail to russellmoore@sportsvat.co.uk.
Legal and Tax Helpline: The RFU has arranged helplines for clubs to obtain free advice on any legal or tax related matter, as well as online support for the creation of standard contracts and legal documents. Legal & Tax Helpline: 0330 303 1877
Online Legal Documents: RFU clubs are provided with online support for the creation of legal documents. This service allows clubs to draft your own legal documents instantly, simply by answering a series of easy-to-answer questions.
Many documents are available free of charge, and include such things as:
• Employment agreement
• Website privacy policy
• Health and safety policy creator
To access the system click here. Clubs will need to register by entering the RFU clubs' voucher code - ARAG751BIZ.
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