The risk protection arrangement (RPA) for schools

Join the RPA

ConverterJoining information for converter academies and church schools

IfConverter youracademies school is a converter academy, it will havebe been signed up toautomatically the RPA automatically, but you can opt out if you want to.

If your school is a church school and a church organisation allows theyour school to occupy their property,property then under RPAthe membershiprules rules,those its 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 withabout regard to those claims

CreateGet help using or usecreating a DfE Sign-insign in account for the RPA

Follow the steps in this section. Each step also includes a video tutorial.

Annual costsCost

ForThe academies,RPA the annual costs are:for academies:

• £23£21 per pupilpupil, per year
• £23£21 per placeplace, per year for special and alternative provision academies, special schools and pupil referral units

ThisThe coversRPA thecosts school for thelocal currentauthority academicmaintained year: 1 September 2023 to 31 August 2024.schools:

For local-authority-maintained schools, the annual costs are:

• £23 per pupilpupil, per year
• £23 per placeplace, per year for special and alternative provision academies, special schools and pupil referral units

Academies

ThisFor academies, this covers you for the schoolcurrent academic year (1 September 2022 to 31 August 2023). The cost for the next academic year (1 September 2023 to 31 August 2024) will increase to £23.

Local authority maintained schools

For local authority maintained schools, this covers you for the current financial year:year 1 April 2023 to 31 March 2024.

SummaryWhat ofRPA covercovers

This table summarises what the RPA covers.

You should also read the membership rules for full details of your school’s cover.

Type of risk	Limit
Material damage	Reinstatement value of the property
Business interruption	£10 million for any one loss
Employers’ liability	Unlimited
Third-partyThird party liability	Unlimited
Governors’ liability	£10 million for any one loss and in any one membership year
Professional indemnity	Unlimited
Employee and third-partythird party dishonesty	£500,000
Money	Various, including cash on premises or in transit,transit £5,000
Personal accident	Death and capital benefits,benefits £100,000
United Kingdom travel	Baggage and money,money £2,000 per person;person. cancellation,Cancellation £1,000 per personperson.
Overseas travel,travel including winter sports	IncludesIncludes: baggage,baggage £2,000 in total per person (inner limits apply);apply), money,money £750 per person;person, medical expenses,expenses £10£10,000,000, million;cancellation cancellation, £4,000 per person. Check the full details of your cover for more information.
Legal expenses	£100,000 for any one loss and in any one membership year
Cultural assets	£10,000 foron any one cultural asset or £250,000 for any one multiple loss
Cyber cover	£250,000 for any one loss and in any one membership year. Where a member is part of a group network with other RPA members,members the maximum aggregate liability isshall be £750,000 in any one membership year for the group network. Cover applies from 1 April 2022 to 2023 membership year for local authority maintained schools and from 1 September 2022 to 2023 membership year for academies.

Full details of your cover

These membership rules detail the full cover and provision of the RPA:

• Academy trusts: RPA membership rules (PDF, 1.031.01 MB, 121120 pages)
• Church academies: RPA membership rules (PDF, 1.021020 MBKB, 118117 pages)
• Local authority maintained community schools: RPA membership rules (PDF, 1.01 MB, 120 pages)
• Voluntary aided, foundation and foundation special schools: RPA membership rules (PDF, 996 KB, 116 pages)
• Voluntary controlled schools: RPA membership rules (PDF, 1.041000 MBKB, 116 pages)

Additional cover and buying help

If there’s something you need cover for that’s not included in the RPA, useyou thecan get it from Crescent Purchasing Consortium (CPC). They also offer a legal services helpline. You’re free to choose a different provider if you want.

Statutory inspections

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.

Get help with buying for schools

You can use DfE-approved frameworks to save time and money on thethings goods and services you buy for your school.

YouThere’s canseparate alsoguidance useon Get help buying for schools, whichand hasbuying linksprocedures to sources of free and impartial guidance from procurement specialists.law.

AdviceFree advice and training

On joiningjoining, the RPA, you’ll haveget access to free risk management advice, training and best-practicebest practice guidance from Willis Towers Watson.

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

Email rpaadvice@willistowerswatsonsecure.com

CallPhone 0117 9769769 9361361

Make a claim

ForEmergencies emergencies and urgent incidents (excluding overseas travel)

Email RPA.CM@davies-group.com

CallPhone 03300 585566

ForOverseas overseas travel emergencies and urgentincident incidentsclaims

CallPhone 020 3475 5031

Independent reports

We’veWe have published an RPA summary provisioningprovision analysesanalysis since 2014.

ContactGeneral queries

IfContact us if you have any queries,questions, including about opting in or opting out of- the RPA, email RPA.DFE@education.gov.uk.