WSR Insurance Information
When rowing clubs affiliate to Welsh Sea Rowing they are also asked to pay a membership fee for each member of their club. Part of this fee covers the costs of Liability Insurance and Personal Accident Insurance. Both policies are supplied by Howden Insurance who are one of the few UK specialists for Amateur Sport and Recreation. A summary of both policies is shown below, the full policy document is also available for download:
Summary of Liability Cover 2025-2026
Insured: Welsh Sea Rowing Limited
Period of Cover: 3 May 2025 to 2 May 2026
Primary/ Policy Number: HUP16 9111595
Retroactive Date: 01 January 1985
Activities: Rowing disciplines : Sliding and/or fixed seat rowing, coastal rowing, ocean rowing, surf rowing and indoor dry rowing i.e. ergometers and rowing tanks.
Club activities: Participation and administration of the sport of sea rowing including organised club events, regattas and social events and national championships.
Please note that Public & Products Liability Cover has been increased from £5,000,000 to £10,000,000 for any one event.
Summary of Personal Accident Cover 2025-2026
Insured: Welsh Sea Rowing Limited
Period of Cover: 3 May 2025 to 2 May 2026
Primary/ Policy Number: RKL142216
Insurer: Royal Sun Alliance
Category A
Insured Person: Any full or associate amateur member of the insured aged over 3 years of age and under 80 years of age resident in Britain *
Operative Time: Whilst an insured person is participating in any authorised and or recognised activity of the insured of the association to which they are affiliated anywhere in the world including direct travel to and from any authorised and or recognised activity of the insured within Britain.
Category B
Insured Person: Any coach of the insured aged over 16 years of age and under 80 years of age resident in Britain *
Operative Time: Whilst an insured person is coaching full or associate members of the insured in any recognised activity of the insured or the association to which they are affiliated anywhere in the world including direct travel to and from any authorised and or recognised activity of the insured within Britain.
Category C
*Cover for persons 80 to 85 years old.
Insured Person: Any full or associate amateur member of the insured aged 80 or over but under the age of 85 years of age and resident in Britain
Operative Time: Whilst and insured person is participating in any authorised and or recognised activity of the insured of the association to which they are affiliated anywhere in the world including direct travel to and from any authorised and or recognised activity of the insured within Britain.
The only cover offered for this age group is listed below and all covers including the special extensions will not be offered. No cover will be extended to persons in this age group who are still actively coaching.
| 1 Death | £10,000 |
| 2 Loss of two or more limbs or eyes or one of each | £50,000 |
| 3 Loss of one Limb or one eye | £50,000 |
| Permanent and total Loss of speech | £50,000 |
| Permanent and total loss of hearing i) In both ears ii) In one ears | £50,000 25% of above |
| 4 Permanent Total Disablement from gainful employment for which the Insured is fitted by way of training education or experience | NIL |
| 5 Temporary Total Disablement from the Insured Person’s Regular Gainful Employment | NIL |
| 6 Temporary Partial Disablement from at least 50% of the Insured Person’s Regular Gainful Employment | NIL |
Incident Recording Guidelines
We would recommend that a designated person within your organisation is made responsible to record any reportable accident.
Records must be kept for at least 3 years. Names and addresses of any possible witnesses should also be recorded.
Current legislation does not specify the format of an accident register but the Accident Book BI 510 obtainable from HMSO is frequently used and is approved by the Information Commissioner for D&A Compliance.
The register must contain the following information relating to all reportable accidents or dangerous occurrences:
- date and time of accident
- as regards a person at work – full name; occupation; nature of injury; age
- as regards a person not at work – full name; status [e.g. customer]; nature of injury; age
- place where accident occurred
- a brief description of the circumstances
- method by which the event was reported.
WSR Boats and Equipment Insurance Information
All affiliated Welsh Sea Rowing clubs are able to take advantage of our blanket equipment insurance. If you would like your club equipment to be covered please contact assistance@searowing.wales
Insured: Welsh Sea Rowing Limited
Period of Cover: 21st July 2023 to 20th July 2024
Qualified Coaches – Insurance Information
Currently all coaching qualifications are issued under the umbrella of British Rowing. Any WSR member who wishes to partake in a coaching course MUST become a British Rowing member to do so. This in turn ensures that the individual is insured by British Rowing insurance to deliver coaching sessions for that year. Our Insurance Officer has confirmed that our insurance broker has covered all WSR British Rowing coaches for Professional liability in addition to their Public Liability coverage as a member of WSR. However, all coaches must complete an Emergency First Aid training course every 3 years (a minimum 3hr training) which should include practical CPR. Also, coaches must complete a safeguarding course every 3 years if they are training children under 18 or vulnerable adults. This means that BR Qualified coaches do not need to join British Rowing on an annual basis.
