Public Liability insurance is defensive cover that protects a member if they cause an accident injuring or damaging someone else or someone else’s property. This only applies if the member is legally responsible for the accident. Compensation is paid from the insurers to the person pursuing the claim with the injury/damage so the member does not have to pay. The member will only pay the excess of £250 if a claim for damage to property is successfully made against you.

Overseas Residents

We are only able to provide public liability insurance as part of Membership to UK residents. If you live abroad permanently, no public liability will be provided by British Triathlon through either our membership packages or through a Race Pass.

Coaches Only: Professional Indemnity cover

Professional Indemnity insurance is defensive cover that protects coaches who provide advice or a service to their customers (in this instance, individuals training towards a triathlon goal). It protects coaches against legal costs and claims for damages to third parties which may arise out of an act, omission or breach of their professional duty in the course of their coaching. This only applies if the coach is legally responsible for the accident directly or indirectly through their coaching instruction. Compensation is paid from the insurers to the person pursuing the claim with the injury/damage so the coach does not have to pay. The coach will only pay the excess of £250 if a claim for damage to property is successfully made against you.

What level of cover do you get when you buy:

• Race Pass holder – £15m public liability cover - this covers you for the event only
• Essential membership – £15m public liability cover - this covers you 365 days a year, 24 hours a day only when training in Britain towards a triathlon goal
• Core membership – £15m public liability cover - this covers you 365 days a year, 24 hours a day only when training in Britain towards a triathlon goal, racing in Britain at a British Triathlon Permitted Event, and racing abroad*** only at ETU or World Triathlon Championships**
• Ultimate membership – £15m public liability cover - this covers you 365 days a year, 24 hours a day only when training in Britain or abroad*** towards a triathlon goal, racing in Britain at a British Triathlon Permitted Event, and racing abroad at ETU or World Triathlon Championships or World Triathlon sanctioned events, Challenge Family, IRONMAN, Powerman, Xterra, Xtri, Castle Race Series and Super League Triathlon. 
• Core Coach membership – £15m Public Liability cover - this covers you 365 days a year, 24 hours a day only when training in Britain towards a triathlon goal, racing in Britain at a British Triathlon Permitted Event, and racing abroad*** only at ETU or World Triathlon Championships** and £10m Professional Indemnity cover - this covers you 365 days a year, 24 hours a day only when coaching in Britain towards a triathlon goal
• Ultimate Coach membership - £15m Public Liability cover - this covers you 365 days a year, 24 hours a day only when training in Britain towards a triathlon goal, racing in Britain at a British Triathlon Permitted Event, and racing abroad*** only at ETU or World Triathlon Championships or World Triathlon sanctioned events, Challenge Family, IRONMAN, Powerman, Xterra, Xtri, Castle Race Series and Super League Triathlon. ** as well as additional cover for coaching additional triathlon related activities**** and £10m Professional Indemnity cover - this covers you 365 days a year, 24 hours a day only when coaching in Britain or abroad*** towards a triathlon goal

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