We want the people who share their cycling expertise to feel safe in the knowledge that support is there when its needed.
Liability insurance and Professional Indemnity insurance helps to ensure that coaches, leaders and instructors are covered against claims against them if an incident happens during their activity.
Insurance for coaches, leaders & instructors - learn more
Who is it available to?
Race Gold, Race Silver and Ride members who are normally resident in the United Kingdom, the Channel Islands or the Isle of Man and hold a valid British Cycling Coaching qualification and/or a British Cycling approved leadership or instruction qualification(1) together with a valid First Aid Certificate (find out what level of first aid certificate you need here). The cover provided is for the individual member and does not protect or indemnify any company/employer for whom they may be working.
When are they covered?
When operating for and on behalf of British Cycling and also when operating outside of British Cycling activities where private arrangements are made with third parties, who are outside the custody and control of the British Cycling Federation, and where expenses or sums of consideration are paid.
What is Insurance for coaches, leaders & instructors?
Insurance protection only applies where the coaching, leadership or instruction provided is included in the British Cycling Coaching qualification and/or a British Cycling approved leadership or instruction qualification that has been attained. Activities outside of the relevant qualification are not covered.
Cover is also extended to include any British Cycling Federation coaching, leadership or instruction activity that is carried out on a commercial basis in which the coach, leader or instructor operates as a sole trader or business subject to a gross remuneration of £25,000 per annum.
If you are working for a company or organisation, other than British Cycling, under a permanent or temporary employment contract then their insurance arrangements are expected to cover any claims arising from the coaching undertaken on their behalf. It is not the intention that British Cycling’s insurance arrangements act as a substitute for the cover that the employer should have in place.
The insurance in place:
- Public Liability - Limit of indemnity £20m(3)
- Professional Indemnity - Limit of indemnity £5m
Public Liability insurance is provided on a worldwide basis although the United States of America, its incorporated and unincorporated territories and also Canada and its territories and provinces will be insured on a contingent(2) basis and only if they have travel insurance that includes personal liability for the coaching activities that they are planning to undertake. Professional Indemnity insurance does not extend to the United States of America, its incorporated and unincorporated territories and Canada and its territories and provinces.
Insurance cover for coaches, leaders and cycle training instructors is provided in accordance with and subject to the terms and conditions of British Cycling’s ‘Professional Indemnity’ and ‘Public Liability’ insurance policies.
Holders of qualifications where an individual is identified as a ‘candidate’ do not benefit from this insurance cover.
British Cycling believes that it is incumbent on each facility to maintain high standards of coaching practice and safety and as such each facility should have its own guidelines, policies and procedures on risk assessment, health and safety, coaching area usage and coaching practice.
British Cycling’s own guidelines, policies and procedures must however be taken as the standard to be applied if British Cycling membership is to be relied upon for insurance cover.
Members must note that protection under this policy will only be provided if the member against whom a claim is being made cooperates fully with British Cycling, its insurers and representatives in the defence of the claim.
To download a copy of the insurance information for coaches, leaders and instructors, visit our Useful Downloads page.
Unsure whether you qualify for cover? Please contact our Education team with any queries.
(1) View a list of approved leadership of instruction qualifications and any additional requirements for cover.
(2) This means that our insurers will call upon the member’s travel insurance policy in the event of a claim.
(3) For incidents occurring on or after 31 March 2021. For incidents occurring between 31 March 2018 and 30 March 2021 the indemnity limit is £15million. For incidents occurring before 31 March 2018 the indemnity limit is £10 million.