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British Triathlon insurance zone

Insurance for coaches

It's important to note that:

  • For cover to be operative you must hold a valid membership with either British Triathlon, Triathlon England, Welsh Triathlon or Triathlon Scotland.
  • You must hold the appropriate qualification to coach a particular activity. If you are not qualified, insurance cover will not be operative.
  • A trainee coaching working under your direct supervision is also insured whilst working with you.
  • You receive cover operating as an individual coach or instructor (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 a income threshold of £5,000 per annum in respect of Core Coaches or £35,000 per annum in respect of Ultimate Coaches.
  • If you have any questions regarding the insurance you receive, please refer to the FAQ section below.

Please note: Definition of training

British Triathlon members are covered by our public liability policy when they are training in the UK towards a Triathlon goal. This is defined as swim, bike or run training activity where any one (or more) of the following conditions are met:

  1. The training activity is taking place as part of the governed provision of a British Triathlon affiliated club.
  2. The training activity is logged through a specific activity tracker (including but not limited to Strava, Fitbit, Garmin, Polar, Apple Fitness, My Fitness Pal, Myzone)
  3. An event entry for a British Triathlon permitted event is in place and the training activity is logged through a specific activity tracker (including but not limited to Strava, Fitbit, Garmin, Polar, Apple Fitness, My Fitness Pal, Myzone).

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 the insured 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 Schedule to review the benefits. British Triathlon affiliated coaches also receive Personal Accident insurance via their membership. This is a ‘no fault’ benefit that provides a specified amount to you, if you are injured whilst training towards a triathlon or multisport goal, participating in a British Triathlon permitted event or coaching recognised British Triathlon activities. The membership level you hold with British Triathlon will determine the benefits you receive.

As a Core Coach you receive Public Liability insurance up to a limit of £15,000,000 for swim, bike and run activities when coaching, training towards a triathlon goal or racing in a permitted triathlon. You also receive a select number of Personal Accident benefits.

•       Coaching in the UK and Europe.

•       Training in the UK.

•       Training in/with a club in the UK.

•        Unlimited racing within the UK at a British Triathlon permitted event.

•       A range of Personal Accident benefits including death, permanent disablement, broken bones and dental cover.

As an Ultimate Coach you receive Public Liability insurance up to a limit of £15,000,000 for swim, bike and run activities when coaching, training towards a triathlon goal or racing in a permitted triathlon anywhere in the world. You also receive a select number of Personal Accident benefits.

  • Coaching worldwide.
  • Training in the UK and worldwide.
  • Training in/with a club in the UK.
  • Training abroad.
  • Unlimited racing within the UK at British Triathlon permitted event.
  • Racing abroad at Europe Triathlon/World Triathlon permitted championship events as listed under www.triathlon.org/events.
  • Racing abroad at additional permitted events such as IRONMAN. For the full list of additional international events check: www.britishtriathlon.org/join/ultimate.
  • A range of Personal Accident benefits including death, permanent disablement, broken bones, dental cover, weekly benefit and physiotherapy.

Useful Downloads

Frequently asked questions

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.

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.

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

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

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.

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.

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.

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.

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

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/

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.

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.

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

How to make a claim

All incidents that could give rise to a claim must be reported at your earliest opportunity.

Find out what you need to do.

Report here

Get in touch

Please do not hesitate to contact us should you have a query regarding the British Triathlon insurance.

Contact us

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