Am I covered to coach online?

If you are coaching online you are covered but you need to take the following actions. At the start of every session make the participants aware that they are participating at their own risk, a suitable non-slip floor is required and no potential obstructions are in the vicinity, avoid activities if they have, or suspect that they have any current medical conditions, injuries, aches or pains. You must also advise them to avoid any blades, weapons or sharp instruments of any description, they must also avoid any physical contact with other participants and adhere to social distancing guidelines. Ensure that sessions are conducted for the benefit of existing members/participants who have demonstrated sufficient suitability to participate, Only instruct activities that you are qualified to do so. It is recommended that each session is recorded and retained for up to 36 months as this will assist in defending any claim made against you.

Can I coach outside of Europe?

For Core Coaches: No, if you require cover to coach worldwide, you must upgrade your membership to an Ultimate Coach affiliation. For Ultimate Coaches: Yes, as an Ultimate coach you can coach outside of the UK, please ensure you are coaching/working within the rules of that territory i.e. you may need a work permit for certain countries. If you do not adhere to the rules and regulations of the territory you are working in, you may invalidate your insurance cover.

I am a sole trader, am I still covered?

For Core Coaches: Yes, you are covered as an individual coach for public liability and professional indemnity insurance if you are a sole trader. In order to be insured via British Triathlon your revenue must be less than £5,000 per annum. If you generate more than £5,000 then you should arrange your own insurances, please contact Marsh Sport on 0345 872 5060 or email marshsport@marsh.com. For Ultimate Coaches: Yes, you are covered as an individual coach for public liability and professional indemnity insurance if you are a sole trader. In order to be insured via British Triathlon your revenue must be less than £35,000 per annum. If you generate more than this you will need to arrange your own insurances, please contact Marsh Sport on 0345 872 5060 or email marshsport@marsh.com

I am instructing trainee coaches are they protected under my Core membership?

Trainee coaches must also be affiliated coach members of a Triathlon Home Nation to be covered under the master Insurance policy. Cover is in force only when the trainee is under the direct supervision and insight of the Training coach.

If I am not a UK National and I permanently reside overseas, can I obtain Insurance via British Triathlon in order to compete in international competitions?

No, as you are a not a UK Resident the British Triathlon cover does not provide insurance protection. We recommend you purchase Liability cover in your country of residence.

If I injure myself, do I receive Personal Accident cover?

For Core Coaches: You receive limited Personal Accident benefits as part of your affiliation. For full details of the benefits please review the Personal Accident Schedule within the download sections. For Ultimate Coaches: Yes, the Personal Accident cover provides you with a full range of Personal Accident benefits. Please review the Personal Accident schedule available within the downloads section.

Will my EHIC continue to be valid following the Brexit agreement?

If you have any queries regarding your EHIC please visit the following link https://www.nhs.uk/using-the-nhs/healthcare-abroad/apply-for-a-free-uk-global-health-insurance-card-ghic/

I have a limited company, am I still covered?

For Core Coaches: Yes you are insured, but this applies to Limited Companies generating less than £5,000 of revenue from Triathlon coaching. If your company generates more than £5,000 then you should arrange your own Public Liability & Professional Indemnity cover, please contact Marsh Sport for a quotation. 0345 872 5060or email marshsport@marsh.com. For Ultimate Coaches: Yes, providing you are generating less than £35,000 of revenue from Triathlon coaching. If your company generates more than £35,000 then you should arrange your own Insurances, please contact Marsh Sport on 0345 872 5060, or email marshsport@marsh.com.

Am I covered by the Public Liability and Professional Indemnity?

For Core Coaches: Yes, as a Core Coach member you are insured for your coaching activities within the UK and Europe. You must hold the necessary coaching qualification and a valid membership with a Triathlon Home Nation. For Ultimate Coaches: Yes, you are provided with Public Liability and Professional Indemnity for your coaching activities anywhere in the world. You must hold the necessary coaching qualification and a valid membership with a Triathlon Home Nation.

Coaches

Workforce licence, insurance for coaches, leaders and activatorss

It's important to note that:

For cover to be operative you must hold a valid Workforce Licence with British Triathlon.
You must hold the appropriate qualification to coach or lead a particular activity. If you are not qualified, insurance cover will not be operative.
A trainee coach, leader or activator must hold a Provisional Workforce Licence to be insured while working under your supervision.
You receive cover operating as an individual coach, leader or activator (including those which are operating as a sole trader or limited company/entity) working within the remit of a qualification recognised by British Triathlon subject to an annual income threshold of £50,000 per annum in respect of your Workforce Licence.
If you have a Provisional Workforce Licence and are a trainee coach, leader, or activator your insurance only covers you to deliver the activities that are directly connected to your qualification requirements. You are not covered for activities outside of this until you have successfully passed and gained a full Workforce Licence.

If you have any questions regarding the insurance you receive, please refer to the FAQ section below.

What cover is provided?

£15,000,000 Public Liability - Accidental bodily injury to third parties and / or damage to third party property arising out of your coaching or leading activities.
£5,000,000 Professional Indemnity - Cover for negligent acts, errors or omissions in respect of a professional opinion, including injury following tuition, advice, coaching or instruction, against claims made during the period of insurance.
Personal Accident insurance - Refer to the Personal Accident Schedule in the downloads section to review the benefits. British Triathlon Workforce Licence holders (coaches, leaders and activators also receive Personal Accident insurance via their Workforce Licence This is a ‘no fault’ benefit that provides a specified amount to you, if you are injured whilst undertaking recognised British Triathlon coaching or leading activities.

PLEASE NOTE:

If you require cover for your own personal training and racing, please ensure you purchase membership – in addition to your Workforce Licence - that has the correct cover for your requirements. A Workforce Licence only gives you insurance cover whilst you are coaching, leading or activating.

You can view all memberships on the British Triathlon website: www.britishtriathlon.org/membership

If you have any further questions around membership please contact the British Triathlon membership team on 01509 837137 or email: membershp@britishtriathlon.org

Confirmation of Insurance - Workforce Licence
British Triathlon Code of Practice - Coaching, Leader and Activator.
British Triathlon Code of Practice - Technical Official
Personal Accident Schedule (To be updated)
Personal Accident Policy Wording

Frequently asked questions

Yes, if you hold the appropriate qualification (Personal Coach or above for 1-1 coaching) and are operating within the bounds of that qualification.

Your Workforce Licence insurance provides limited worldwide cover, allowing you to coach/lead temporarily outside the UK (e.g. training camps or short visits). However, this does not include permanent work overseas or activities that fall under another country’s governing body or insurance system. Please ensure you are coaching/working within the rules of that territory i.e. you may need a work permit for certain countries. If you do not adhere to the rules and regulations of the territory you are working in, you may invalidate your insurance cover.

Yes, the Liability policy is in place if a claim is made against you.

Yes, you are covered as an individual coach, leader, activator for public liability and professional indemnity (for coaches) insurance if you are a sole trader.

Yes, as long as you are not out of the UK for more than 6 consecutive months. If you are, we recommend you purchase Liability cover in your country of residence.

No, Trainee coaches, leaders and activators must have their own (Provisional) Workforce Licence in place in order to be covered themselves by the insurance policies. Please note the trainees insurance cover is only in force when the trainee is under the direct supervision and in sight of the supervising coach, leader or activator.

Yes, you receive a full range of Personal Accident benefits, please review the Personal Accident schedule available within the downloads section.

Public Liability - £15,000,000.
Professional Indemnity - £5,000,000.

Yes, providing you are generating less than £50,000 of revenue from Triathlon coaching or leading. If your company generates more than £50,000 then you should arrange your own Insurances, please contact Marsh Sport on 0345 872 5060, or email marshsport@marsh.com.

No, If you wish to be insured for your own training or racing you will also need to purchase a Starter, Core or Ultimate membership in addition to your Workforce Licence. Further information on membership packages can be found here .

Yes, a £250 excess applies to the Public Liability cover if a member has damaged third party property.

British Triathlon insurance zone

Workforce licence, insurance for coaches, leaders and activatorss

Useful Downloads

Frequently asked questions

Useful links

British Triathlon insurance zone

Workforce licence, insurance for coaches, leaders and activatorss

PLEASE NOTE

Useful Downloads

Frequently asked questions

Am I covered to coach online?

Can I coach outside of the UK?

I am not a UK National but I do live in the UK permanently, am I covered by the British Triathlon (or Home Nation) Liability insurance?

I am a sole trader, am I still covered?

I am a UK National (including dual nationalities) but I reside overseas, does the Liability insurance policy still cover me?

I am mentoring trainee coaches or leaders. Are they protected under my Workforce Licence?

If I injure myself, do I receive Personal Accident cover?

What limit of indemnity is provided?

I have a limited company, am I still covered?

Am I covered to train and take part in events with my Workforce Licence?

Am I liable to pay an excess in the event of a claim?

How to make a claim

Get in touch

Useful links