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Insurance for coaches
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2547 View Drop Down
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Posts: 1151 		Post Options Post Options   Quote 2547 Quote  Post ReplyReply Direct Link To This Post Topic: Insurance for coaches
    Posted: 18 Nov 13 at 4:25pm
Anyone got any experience in sorting out insurance for people who coach?

How does it work if you have people helping out or leading a training session?

Lets assume they are not professional coaches and perhaps do this 2 or 3 times a year.

Not all of them have RYA qualifications but are very capable and competent coaches.

Does the club insurance cover this? 

Do they need a RYA qualification of some type that then means they are covered through the RYA?

I know lots of people who offer coaching (unpaid) and wonder if they are exposed in the case of an accident.
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alstorer View Drop Down
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Posts: 2899 		Post Options Post Options   Quote alstorer Quote  Post ReplyReply Direct Link To This Post Posted: 18 Nov 13 at 4:42pm
I know it's sad, but I think you may struggle to get insurance to cover without formal qualifications.
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2547 View Drop Down
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Posts: 1151 		Post Options Post Options   Quote 2547 Quote  Post ReplyReply Direct Link To This Post Posted: 18 Nov 13 at 9:33pm
What about those who do have a RYA ticket such as "Club Racing Coach"?
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Posts: 1094 		Post Options Post Options   Quote Bootscooter Quote  Post ReplyReply Direct Link To This Post Posted: 18 Nov 13 at 9:46pm
Doesn't RYA membership give you the required coverage if you're qualified?

Edited by Bootscooter - 18 Nov 13 at 9:46pm
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Posts: 3958 		Post Options Post Options   Quote winging it Quote  Post ReplyReply Direct Link To This Post Posted: 19 Nov 13 at 9:46am
If you're coaching or instructing within an RTC their insurance will cover you if you are appropriately qualified.  I am not sure about 'experienced but not qualified' you should be fine if under the official supervision of an SI or adult qualified RCL2 or higher.  (I have to read and check our policy every year, and sign to say I have done so and am happy with out cover.)  This cover is one of the benefits of being RYA recognised.

If you are coaching independently you will not get affordable cover unless you are qualified.  Companies like Gallagher Heath etc offer good cover for freelancers, around £350 per year.
the same, but different...

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Posts: 134 		Post Options Post Options   Quote Stevie_GTI Quote  Post ReplyReply Direct Link To This Post Posted: 19 Nov 13 at 9:49am
To my knowledge all coaches who are working privately need their own insurance, which I believe you need to have a coaching qualification to obtain.
If you are working for a club/organisation I think you are covered by their insurance providing you have the correct coaching qualification.
For the sake of £80 a year I think all coaches should have some personal liability insurance cover anyway.

Edited by Stevie_GTI - 19 Nov 13 at 9:51am
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2547 View Drop Down
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Posts: 1151 		Post Options Post Options   Quote 2547 Quote  Post ReplyReply Direct Link To This Post Posted: 19 Nov 13 at 10:13am
RTC = ?

RCL2 = ?

So ... if a class expert (non-RYA ticketed) wants to run a training day they are doing so at quite some risk???
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2547 View Drop Down
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Posts: 1151 		Post Options Post Options   Quote 2547 Quote  Post ReplyReply Direct Link To This Post Posted: 19 Nov 13 at 10:15am
Originally posted by Bootscooter

Doesn't RYA membership give you the required coverage if you're qualified?

I don't think so ... be careful ...
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Posts: 134 		Post Options Post Options   Quote Stevie_GTI Quote  Post ReplyReply Direct Link To This Post Posted: 19 Nov 13 at 10:27am
Being a member of the rya does not cover you, as far as I'm aware.

I would recommend that you check your clubs insurance policy, it may be that coaches are covered. But then what counts as being a coach.....if you don't have the qualification then in my eyes you're not a coach. Don't forget you need a valid first aid certificate and atleast pb2 to get a coaching qualification, which is probably why you need the qualification to get insured.
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kevg View Drop Down
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Posts: 120 		Post Options Post Options   Quote kevg Quote  Post ReplyReply Direct Link To This Post Posted: 19 Nov 13 at 12:44pm
Originally posted by 2547

RTC = ?

RCL2 = ?
So ... if a class expert (non-RYA ticketed) wants to run a training day they are doing so at quite some risk???


Recognised training centre. & race coach level 2.
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