Detailed guide: The risk protection arrangement (RPA) for schools

Department For Education

January 21
10:17 2020

Academies and local authority maintained schools can get the cover they need and save money by joining the risk protection arrangement (RPA), provided by industry professionals on behalf of the Department for Education.

How to join


All academies can join, including free schools and PFI academies. All you need is your:

Youll be covered as soon as you complete the form. Well renew your membership every year, so theres less admin for you.

If youre converting to an academy or setting up a free school, well sign you up automatically but you can opt out if you want.

Local authority maintained schools

Local authority maintained schools will be able to join the RPA using our online portal from mid-March.

Once youve joined, your cover will start from 1 April.

Church schools: additional information

If a church organisation allows your school to occupy their property then under the rules those trustees:

  • are covered for losses and liabilities they may incur through you occupying their property
  • can make claims on your behalf for those losses and liabilities
  • can have those claims paid directly to them
  • can use the complaints and arbitration procedures about those claims

Check the church membership rules for full details.


RPA costs:

  • 18 for per pupil, per year
  • 18 per place, per year for special and alternative provision academies, special schools and pupil referral units

For academies, this covers you for the academic year (1 September 2019 to 31 August 2020).

For local authority maintained schools, this covers you for the financial year (1 April 2020 to 31 March 2021).

What it covers

This table tells you what RPA covers.

Type of risk Limit
Material damage Reinstatement value of the property
Business interruption 10 million any one loss
Employers liability Unlimited
Third party liability Unlimited
Governors liability 10 million any one loss and any one membership year
Professional indemnity Unlimited
Employee and third party dishonesty 500,000
Money Various, including cash on premises or in transit 5,000
Personal accident Death and capital benefits 100,000
United Kingdom travel Baggage and money 2,000 per person. Cancellation 1,000 per person
Overseas travel including winter sports Includes: baggage 2,000 in total per person (inner limits apply), money 750 per person, medical expenses 10,000,000, cancellation 4,000 per person. Check the membership rules for more.
Legal expenses 100,000 any one loss and any one membership year
Cultural assets 10,000 on any one cultural asset or 250,000 any one multiple loss

Full details of your cover


Check the membership rules for full details of your cover. See how it compares to your current cover and check if there is anything else you need.

Local authority maintained schools

Youll be able to view full membership rules from the end of February.

Additional cover for academies

If theres something you need cover for thats not included in the RPA, you can get it from Crescent Purchasing Consortium (CPC). They also offer a legal services helpline. Youre free to choose a different provider if you want.

The RPA does not cover statutory inspections, often known as engineering inspections. By law, you must make sure that statutory inspections are done. You can procure this through Crescent Purchasing Consortium (CPC), or another insurer or body with authorisation to carry out these inspections.

Additional cover for local authority maintained schools

For additional cover and statutory inspections, contact your local authority insurance manager first.

Free advice and training

On joining youll get free risk management advice, training and best practice guidance from Willis Towers Watson.

Contact them if you need advice about the arrangement and the rules:


Phone 0117 9769 361

Make a claim

Topmark Claims Management Ltd handle claims.

Make a claim

Emergencies and urgent incidents (excluding overseas travel)


Phone 03300 585566

Overseas travel emergencies and incident claims

Phone 020 3475 5031

General queries


Contact us if you have any questions, including about opting in or opting

Local authority maintained schools

Contact us if you have any questions, including about opting in or opting

Published 8 April 2014
Last updated 21 January 2020 +show all updates
  1. Added details on how local authority maintained schools will be able to join the RPA.

  2. Added details of prices for 2019 to 2020, 3 year pricing commitment and advice on statutory inspections.

  3. Added

Related Articles


  1. We don't have any comments for this article yet. Why not join in and start a discussion.

Write a Comment

Your name:
Your email:

Post my comment

Recent Comments

Follow Us on Twitter

Share This

Enjoyed this? Why not share it with others if you've found it useful by using one of the tools below: