Managing Your Centre
Insurance RGN B5 B5.1 Introduction
The Principal is responsible for ensuring that adequate insurance covering all of its training activities is in place while the centre is recognised by the RYA. The Principal should ensure they are fully aware of the centre’s legal liabilities and responsibilities arising from its RYA activities both ashore and afloat. All the centre’s activities should be covered by appropriate insurance so it is important to disclose all business and tuition/training activities to the insurer.
Please note that where a Recognised Training Centre (RTC) charters a vessel for training purposes, the Principal must ensure that adequate insurance is in place to cover RYA activities on board that vessel, including insurance for third-party liabilities.
B5.2 Public liability insurance
As a minimum, the RTC should hold public liability cover of at least £3 million for its activities both afloat and ashore. In countries where this level of cover is not possible, the matter must be referred to the RYA for consideration. The purpose of public liability insurance is to indemnify the RTC and its instructors where a third party (which could be a student, customer or a member of the public) suffers personal injury or damage to their property as a result of the RTC’s or instructor’s negligent acts or omissions, and the RTC and/or its instructors is/are required to defend and/or pay damages to the injured party. The RTC must therefore ensure that any instructors employed or engaged directly by the RTC are covered by the RTC's public liability insurance policy.
The RTC’s public liability insurance must extend to indemnify the RTC and its instructors where negligent advice or instruction given by the RTC or its instructors causes personal injury or other damage or loss and the RTC and/or its instructors is/are required to defend the claim and/or pay damages.
Please note that instructors who are genuinely self-employed may be able to obtain personal insurance but an instructor's own policy is not a substitute for the RTC including the instructor on the RTC's insurance and the centre must not rely upon personal indemnity insurance to protect its interests, its instructors or its customers. The RTC must therefore ensure that any instructors employed or engaged directly by the RTC are covered by this aspect of the RTC's public liability insurance policy.
Issued 21/06/2024. Information correct at time of publication. 36
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