| Mandatory Public Liability Insurance |
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| Question |
| What does a Public Liability policy cover? |
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| Answer |
| The policy covers your legal liability for bodily injury to third parties (other persons) or loss or damage to third party property. |
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| Question |
| What activities are covered? |
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| Answer |
| The policy covers Rugby League activity which includes matches played under the auspices of BARLA, together with official training sessions. You are also covered whilst travelling to and from matches in an official club party, although you would need to ensure that any vehicles used for this purpose have an appropriate Motor insurance policy. |
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| Question |
| We are holding a fun day and intend to have a bouncy castle. Is this covered by the BARLA policy? |
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| Answer |
| Yes. When using bouncy castles you should always undertake an appropriate risk assessment and ensure that the company from whom the equipment is being hired has appropriate liability insurance in place. |
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| Question |
| Our Club sells food, drink and Rugby related merchandise, eg replica shirts etc. Is this covered? |
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| Answer |
| Yes, the policy extends to cover liability arising from the sale of such products, but excluding exports to USA and Canada. |
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| Question |
| Our Club plays and trains on school premises - are we covered by the BARLA policy? |
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| Answer |
| Yes. The BARLA policy applies worldwide excluding USA/Canada. The school will almost certainly have its own policy but as a club using School premises you have potential liabilities in the event of injury to others or damage to their property. The school's policy will protect the school in respect of claims brought against it, the BARLA policy will protect the club in respect of claims brought against the club. |
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| Question |
| Our Club plays and trains on council premises - are we covered by the BARLA policy? |
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| Answer |
| Yes. The BARLA policy applies worldwide excluding USA/Canada. The council will almost certainly protect itself against claims for injury to others or damage to third party property. As a club using council premises you have potential liabilities arising from such claims. The BARLA policy will protect the club in respect of claims brought against the club. |
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| Question |
| Our Club already has Public Liability insurance - do we have to take out the BARLA cover? |
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| Answer |
| Yes. The BARLA policy is a mandatory scheme which provides indemnity to member clubs, leagues and associations as well as registered players, registered coaches, club committee members, club/league/association officials and volunteers. No club policies provide cover for all these groups and without this cover the game would not be able to function. |
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| Question |
| Does cover apply on a worldwide basis? |
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| Answer |
| No. Cover applies worldwide excluding USA/Canada. However, insurers can consider provision of cover for matches played in USA/Canada or exports to USA/Canada upon receipt of further information. |
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| Question |
| Who is covered by the policy? |
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| Answer |
| The policy provides indemnity to member clubs, leagues and associations as well as registered players, registered coaches, club committee members, club/league/association officials and volunteers. It should be remembered that this is a Liability policy, so the policy covers the liability of these persons for injury or damage which they cause to other parties. The liability policy does not cover these persons for injuries or damage which they themselves suffer. |
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| Question |
| How much cover is provided? |
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| Answer |
| The limit applicable to any one occurrence is £5,000,000. However, for supply of products (eg food, drink and merchandise) an aggregate limit of £5,000,000 applies to all claims occurring under the BARLA policy in any one period of insurance. |
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| Question |
| Is there an excess? |
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| Answer |
| The policy excludes the first £100 of each claim for damage to third party property. There is no excess for claims relating to bodily injury. |
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| Question |
| Are referees and touch judges insured? |
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| Answer |
| The policy excludes liability of referees and touch judges registered with the RFL. However, non-registered referees/touch judges are covered by the BARLA policy. |
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| Question |
| Does the policy cover physios? |
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| Answer |
| The policy excludes treatment given by persons having a current medical/physiotherapy practice. However, treatment given by other persons during or immediately after a match or training session is covered. |
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| Question |
| What coaching activity is covered? |
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| Answer |
| The policy covers registered coaches whilst coaching the clubs or representative teams to which they are attached. Coaching in a personal capacity, eg at a School, is not covered. |
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| Question |
| What is Player to Player Liability, and is this covered by the policy? |
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| Answer |
| This is the liability which might be incurred when one player injures another, and is excluded by the policy. |
