FAQ Quick Links:
1. Public Liability [info]
2. Employers Liability [info]
3. Personal Accident insurance [info]
4. SportsCare Physiotherapy Cover [info]
Other common queries [link]
Key terms and principles defined [link]
£60m Public Liability cover against claims for compensation for bodily injury or associated loss e.g. financial loss allegedly caused by negligence from the coach. Negligence typically includes poor coaching practise, provision of incorrect advice, or an absence of appropriate guidance or lack of appropriate risk assessment.
Example of public liability in action:
A coach delivers a session with high amounts of player movement required, but on a slippery outdoor court surface, caused by recent rain or settled frost early in the morning. The player injures themselves and the parents take legal action against the coach.
For more information, take a look at the full policy and schedule.
Coaches are automatically covered under the LTA’s Public Liability policy when they become a current member of LTA Coach Accreditation (both Accredited and Accredited+ tiers). They are insured for the on-court coaching that they are delivering at any venue (including local authority courts/parks) provided that;
The limit of indemnity for the LTA’s Public Liability policy is £60m. For professional indemnity, it is £10m.
Yes. If you coach under a trading name (e.g. John Smith t/a Elite Tennis Coaching) then you are working as a sole trader and so cover will still apply.
Public Liability cover is provided to you as an individual coach and includes cover for coaching you perform as a sole trader (i.e. under a "trading as" style). If you have formed a limited company, and you are the only employee as the Accredited/Accredited+ Coach, Public Liability cover remains in place. However, if you as a limited company have more than one employee, then the cover is no longer valid. Coaches in this scenario should arrange specific insurance for a business, separate to that of the LTA’s Public Liability insurance.
If you wish to enquire about why or to arrange this cover, please contact Howden directly on 0121 698 8059.
No. You must be currently an Accredited/Accredited+ Coach to benefit from the LTA’s insurance package. If you are employed (i.e. you are not self-employed) by a venue that is a registered LTA venue, you will be captured under their Public Liability Policy – but only if employed and when working at that one specific venue.
Please note, you are not insured if you are within your Coach Accreditation grace period.
No. The LTA’s Public Liability insurance held by an Accredited Coach (Accredited or Accredited+) does not provide Public Liability cover to an unaccredited coach in the event that the unaccredited coach is sued personally. We recommend that all active coaches hold some form of Public Liability insurance if they are actively coaching. An affordable and cost effective way to acquire Public Liability insurance is to become LTA Accredited.
Yes, as long as they are working under your direct supervision i.e. you are on the same court or an adjacent court with line of sight to their coaching activity. However the cover does not extend to the unaccredited coach if they are sued personally. For more information on this, see above question.
Yes, as long as they are working under your umbrella programme as a fully qualified (Level 3 or above) coach, and you are currently Accredited/Accredited+ coach with a Level 3 or above qualification. However please note that the cover does not extend to the unaccredited coach if they are sued personally – only you are covered. For a more extensive definition of ‘umbrella programme’ see below.
Yes. If you are employed, then you must ensure you are covered by the business insurance of the company that is employing you. If you are employed at an LTA registered venue, then you will have cover through their policy whilst working at that specific venue. However, if you are not formally employed (i.e. contracted/self-employed) then you would need your own Public Liability insurance to be insured – irrespective of your level of qualification. A cost effective way to attain this cover, would be to become LTA Accredited.
See Employers Liability section within this FAQ document.
Your LTA Public Liability cover is valid if you have the appropriate Qualifications, training and experience to undertake the activity you are delivering. If you coach outside of the remit of what your qualification has trained you to do, then the LTA Public Liability insurance you receive as part of being Accredited may be void and may not cover you. Level 1 coaches are trained to directly assist tennis sessions under direct supervision (i.e. line of sight) of a fully qualified (Level 3 and above). Level 2 Coaching Assistants are trained to work on their own coaching groups of beginners of any age under the umbrella programme and supervision of fully qualified (Level 3 and above) Coach. Coaching individually is outside of this remit of what the Level 1 and 2 qualifications cover.
Your LTA Public Liability cover is valid if you have the appropriate Qualifications, experience and training to undertake the activity you are delivering. Cardio Tennis requires a minimum Level 2 qualification or above, in addition to the one day Cardio Tennis CPD training.
Please ensure you carry out appropriate Risk Assessments for such activity.
Yes. Your LTA Public Liability cover is valid if you have the appropriate Qualifications, experience and training to undertake the activity you are delivering. Therefore your LTA Public Liability insurance will cover you to run a tennis camp which includes non-tennis multi-sport activities, as long as they form part of the overall tennis programme for the camp.
Please ensure you carry out appropriate Risk Assessments for such activity
Please refer to the Personal Accident insurance section for information on any applicable cover.
Your bespoke business public liability insurance supersedes the LTA Public Liability insurance you receive as a member of Coach Accreditation; however your Personal Accident cover, SportsCare Physiotherapy protection and the legal advice service are still valid and available to you (Accredited+ only).
Yes. If a coach has the appropriate qualifications, experience and training ahead of delivering a specific type of session or tennis product e.g. Tennis For Kids (TFK) then they will be insured under LTA's Public Liability Policy. In the case of TFK, the session is with beginners in a group context, so within the remit of the Level 2 Qualification. Furthermore, coaches also receive dedicated training, prescriptive lesson plans, resources and support, which combined ensure that the coach is deployed in a safe manner and are acting under the guidance (umbrella) of the LTA to deliver this specific 6 week campaign.
The LTA strongly recommends that Level 2s work under the guidance of a fully qualified and Accredited+ coach. However, as with all other scenarios, every decision will come down to competence i.e. qualifications, experience and training combined, not just one in isolation. If a claim is made against a Level 2, and they were delivering tennis to a group with a similar playing level (beginner), delivered in a group context and operating in a safe manner, then the LTA public liability insurance will not be invalidated. If you decide to take private lessons with players who are not beginner/recreational, you will invalidate your Public Liability insurance.
If the only qualification you hold is a Level 2, you will invalidate your public liability insurance held via the LTA by undertaking individual coaching, or coaching with players not deemed as beginner level. The Level 2 is an assistant coach qualification, which is why these remits are set in place. At Level 3 you become a fully qualified coach. If you have other qualifications, experience and training aside from the Level 2, this can change your circumstances. Ultimately, the combination of qualifications, experience and training you have will be what is used to assess if you were competent for the work you were undertaking.
You will not automatically invalidate you public liability cover, but you do significantly increase the risk of invalidating your insurance if you work as an assistant coach without working under the guidance from a fully qualified coach. If a claim is brought against you, you will need to demonstrate you are competent for the work you have been undertaking (i.e. you have adequate qualifications, experience and training combined.). If you find yourself in this situation, best practise is to consider taking your Level 3 qualification, or work under the remit of a fully qualified Level 3 or above. If you cannot do that, ensure you stay clearly within the remit of your training i.e. beginner group coaching. If you are delivering a specific LTA product and have attended the appropriate training e.g. Tennis For Kids, then you will be covered provided you work within the remit of that product brief.
Hitting as a practise partner with a total absence of teaching or advise would be considered as facilitating play, not coaching, and will therefore not automatically invalidate your insurance like it would if you did a private technical lesson with a performance player for example. As with any insurance claim, each case is looked at thoroughly and on a case by case basis. If a claim is brought against a coach, and that coach is found to have been providing any instruction whatsoever, their insurance will be invalidated because it will constitute individual coaching.
At Level 3 you become a fully qualified coach. However, if you find yourself in between levels 2 and 3 i.e. currently on a Level 3, you will not invalidate your insurance automatically by undertaking private lessons. As with all public liability cases, if you have other qualifications, experience and training aside from the Level 2, this can change your circumstances. Ultimately, the combination of qualifications, experience and training you have will be what is used to assess if you were competent for the work you were undertaking. In the case of a coach currently on their Level 3, this extra training and experience from the Level 3 and more broadly is taken into account for insurance purposes (if sued by a client). You can therefore undertake private lessons to practise for assessment, without invalidating your insurance through LTA Coach Accreditation. However, the LTA would suggest that you are open with your clients and venue that you are in training and yet to complete the course. The final thing to remember is that you do not hold public liability insurance through the LTA unless currently Accredited – having a higher qualification simply expands your remit of cover once Accredited.
If someone who works under you is injured and holds you responsible, Employer's Liability insurance will protect you up to £10million
Example of employer’s liability in action:
A coach working for you as part of your summer camp is seriously hurt during the camp and takes legal action against you.
For more information, take a look at the full policy and schedule.
As a fully qualified coach, you may have Assistant Coaches or volunteers working for you as part of your programme, in which case you have a duty of care to them under Health and Safety at Work legislation. If they are injured and hold you responsible, the Employer's Liability insurance will protect you (assuming you are Accredited+). Motor insurance and Employers Liability insurance are the two types of insurance in the UK that are compulsory by Law.
No. The Employers Liability insurance protects you in the event that your assistant coach is injured and holds you responsible. The assistant coach still needs their own Public Liability cover in case they are held responsible for an injury they cause to someone else. It is possible to arrange a policy that protects you and your employees (assuming you formally employ coaches), but this is a business cover and outside the parameters of the insurance provided to you as an Accredited+ coach.
Please contact Howden to discuss this further.
Yes. Legal fees and any compensation payments if negligence is established will be covered by this policy
Personal Accident insurance cover provides payments directly to you if you are injured whilst taking part in tennis related activity. The cover for Accredited Coaches applies only when coaching, whereas the cover for Accredited+ coaches is 24 hours. View full policy.
Example of personal accident insurance in action:
You tear your ACL ligament during coaching and cannot coach for 9 months.
For more information, take a look at the full policy and schedule.
No. Cover applies when an identifiable accident which occurs at one point in time. Illnesses, sickness or disease are not covered as part of the Personal Accident insurance.
Yes. You must be under 80 years old for this cover to be valid.
The limits of cover are clearly defined in the full policy schedule and wording which can be viewed here.
Yes this is exclusively available for Accredited+ Coaches only. Coaches are eligible for payments of up to 75% of your weekly wage (maximum £500 per week) in the event that you suffer an accident and are unable to work for a period of time
SportsCare Physiotherapy protection provides necessary physiotherapy or rehabilitation services for musculoskeletal injuries to help you get back to work. Cover is available to Accredited+ coaches in respect of any musculoskeletal injury, sustained whilst you are coaching which prevents you from being able to physically coach (and therefore earn) for 3 consecutive days.
Example of SportsCare Physiotherapy cover in action:
You pull a calf muscle whilst coaching and are unable to coach for 3 consecutive days, and need physiotherapy to help speed up your recovery.
For more information, take a look at the full policy and schedule.
This type of cover is available exclusively to Accredited+ coaches. If you have suffered a musculoskeletal injury, during the policy period, that has meant you were unable to coach for at least 3 consecutive days then you are entitled to an assessment and up to 4 sessions of physiotherapy to help you return to a pre-injured state and return to work.
To access SportsCare Physiotherapy cover you need to be unable to coach (and therefore earn) based on the type of role you have. This service is in place to help you get back to coaching as soon as possible – so if you can still coach (e.g. from the side of the court) whilst you are recovering, then you cannot access the physio cover. An example of this is in the performance squad environment, your role as the coach may be quite passive and not require you to be physically involved in the session. You must have to stop coaching for 3 consecutive days or more and therefore be unable to earn, to qualify for cover.
An Accredited+ Coach can obtain treatment under the SportsCare Physiotherapy scheme for musculoskeletal injuries that occur away from the tennis court. For more information on the personal accident policy, please see the appropriate section.
The SportsCare Physiotherapy scheme will cover you, as an LTA Accredited+ Coach, for up to 4 separate musculoskeletal injuries in the Accreditation year.
The cover is provided to LTA Accredited+ coaches who are between 16 and 65 years of age.
All coach insurance certificates have an expiry date of September 30th each year, in line with the LTA’s insurance policy renewal date. A new insurance certificate is uploaded onto the website each September. Coaches are insured for the full period of their current Accreditation membership.
No. Coaches are only insured for the period of their Accreditation membership. If your LTA Coach Accreditation or Accreditation+ has expired/lapsed you are no longer insured, even if you have a certificate that expires on 30th September next. The certificate bears this date because it corresponds with the LTA's insurance policy renewal date but your insurance is only valid if your LTA Coach Accreditation or Accreditation+ is current.
Please note; you are not insured during your grace period.
Yes, provided that you meet all the criteria to become an LTA Accredited Coach, you can do so while in your LTA Coach Accreditation+ grace period. You will then be able to renew your LTA Coach Accreditation+ once you meet the criteria which includes 15 CPD credits.
If you are an LTA Accredited coach, you are covered to work abroad temporarily as long as your permanent residence is in the UK. If you move abroad to live, you must arrange insurance in your new country of residence.
Full details of how to claim are provided under the claims section of this site.
‘Umbrella programme’ is defined as where a fully qualified (Level 3 or above ideally with Accredited+ status) Coach provides the coaching programme and regular guidance and support to coaches working within a programme. This advice can occur through direct supervision or more broadly e.g. weekly team meetings, team training, one-to-one meetings, regular coaching/performance feedback. Both a Level 3 or above Qualification and Accreditation+ is recommended as it indicates the fully qualified coach commits to ongoing professional development themselves and is therefore up to date in the industry. That knowledge and expertise can then be passed down to the coaches working under their ‘umbrella’.
No. Cover is not available for less than a year via the LTA or Howden. It is recommend you acquire all LTA Coach Accreditation pre-requisites and renew your membership as soon as possible to resume cover.
The Public Liability and Personal Accident covers as part of your membership are still valid for a Northern Ireland resident coach, provided you can comply with the accreditation criteria of the LTA. Coaches should be aware however that redemption of some benefits will be effected including PhysioCover. This is because the coverage of registered physios as part of scheme is more restricted, and may require travel to the UK. Some other benefits will also be unavailable. Please email email@example.com prior to joining if you are considering LTA Coach Accreditation membership as a Northern Ireland resident.
Defined as where a fully qualified (Level 3 or above) Accredited+ coach provides regular guidance and support to coaches working within a programme. This advice can occur through direct supervision (see below) or more broadly e.g. weekly team meetings, team training, one-to-one meetings, regular coaching/performance feedback. The Level 1 or 2 coach must regularly (at least 1 hour per week) be coaching at the same venue as the fully qualified coach, for it to be considered as under the umbrella programme.
Direct supervision refers to when an assistant coach is on the same, or an adjacent court, to a fully qualified coach. The key requirement to qualify as direct supervision is that the fully qualified coach should have ‘line of sight’ of the assistant coach at all times.
Negligence refers to when a coach fails to take proper care which results in an incident. Most often this can occur as a result of poor or incorrect coaching or omissions in advice that you should have provided as a coach to ensure safety.
Refers to the state of being legally responsible for something. If you are held liable, it essentially means year are at fault or to blame for an incident
Direction of a claim
Refers to whom legal action is taken against. This is the choice of the plaintiff (person suing). In any incident a coach, a club, or assistant coach (or all three) could be sued in relation to any incident. For this reason it is important for both the venue and the coach to hold their own Public Liability insurance.
Reasonable action/acting reasonably
Refers to acting in a way that would be deemed appropriate by the majority of competent industry professionals and can be deemed as fair. If you don’t feel you can justify what you are doing, then this may indicate cause for concern or be deemed as not reasonable