Howden's, the RFU brokers of Club Liability insurance, are here to help members, clubs and staff work together to minimise risk and help make sure rugby is safe - on and off the pitch.

The cover arranged includes ‘Combined Liability’ protection for your club, including players, coaches, officials and committee or board members and trustees as well as catastrophic injury ‘Personal Accident’ cover for players, coaches and referees. 

The cover arranged for clubs is also provided to Referees Societies and to Constituent Bodies (CBs), and throughout this site, wherever cover for clubs is described, the same cover applies to Referee Societies and also CBs. 

You can find more details on the dedicated  RFU Insurance Centre website.

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