FAQs for Coaches

A comprehensive list of frequently asked questions are listed below.  

If you have a query not covered by the list below please contact Howden by email or call 0121 698 8156. 


As a coach, where does my insurance cover me?

You are covered to coach in any British Rowing affiliated club or any competition or activity approved by British Rowing.

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Do I have insurance cover as a coach if I have not completed a British Rowing coaching course?

Yes, but you must be experienced within the sport, be capable of undertaking appropriate risk assessments and ensure that you are up to date and familiar with British Rowing coaching practices, code of conduct and policies.

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Why do I need Professional Indemnity cover?

Professional indemnity provides cover following negligent advice. If you are a coach registered with British Rowing, this cover will protect you in the event that an injury results from a negligent act or ommission in your coaching.

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Why do I need a £10m limit of indemnity?

We believe that £10m is the minimum amount of cover to provide you with peace of mind in the event that you were held responsible for causing a catastrophic injury to someone. We have already seen sports related claims that have exceeded £10m.

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Would my coaching launch be covered within my cover?

No, liabilities relating to motorised craft (including coaching launches) are not covered. These, as with vehicles used for trailer towing, should be insured separately.

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If I coach at a club that is not affiliated to British Rowing, am I covered by my British Rowing member insurance?

You are, provided you are only coaching within the remit of your qualification or experience and only in your own name (i.e. you do not have a limited company).

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If I coach at multiple clubs, is my insurance valid for all of those clubs?

You are covered to coach in any British Rowing affiliated club or any competition or activity approved by British Rowing.

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If I earn above £24,000 am I still covered by the British Rowing insurance?

Yes, we recently revised the policy to remove the upper salary limit so as long as you are a sole trader (i.e. you coach in your own name or a “trading as” style but do not have a limited company and meet the other criteria then you will be covered by the insurance as a British Rowing member.

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