The risk protection arrangement (RPA) for schools

Public sector schools can join the risk protection arrangement (RPA), an alternative to commercial insurance, which may save time and money.

Join the RPA

Schools which are classified as public sector schools can join the RPA.

Use your DfE sign in account to join or follow these stages if you have any problems or do not have a DfE sign in account.

Joining information for converter academies and church schools

Converter academies will be signed up automatically but you can opt out if you want to.

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

Stage 1: Create a DfE sign in account if you do not have one

  1. Go to create a DfE Sign-in account and enter your name and your work email address.

  2. Check your emails, copy the code we’ve sent you and paste this into the box on the verification page.

  3. Create a memorable password.

Use DfE sign in help if you have an problems creating a DfE sign in account.

Stage 2: Request access to the RPA

  1. Request access to your organisation and the RPA form

  2. Ask your approver to approve your access to the RPA and the online collection service.

You can view who your organisation’s approvers are after you’ve added your organisation to your DfE sign in account.

There’s more information on what approvers need to do in stage 3.

Stage 3: Give access to the RPA form (for approvers)

  1. Add the RPA to the online collections service.

  2. Go to the ‘manage users’ page and add a role to each user’s account.

  3. Choose ‘add services’ from the right-hand list - if a user already has access to the online collections service, choose this on the user’s page and add role ‘RPA’.

  4. Choose the services, roles and forms you want the user to have access to and save your changes.


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 summarises what RPA covers.

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

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 full details of your cover for more information.
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

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

Additional cover and buying help

If there’s something you need cover for that’s not included in the RPA, you can 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 things you buy for your school.

There’s separate guidance on buying for schools and buying procedures and procurement law.

Free advice and training

On joining you’ll 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

Use this webpage to 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 out.

Local authority maintained schools

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

Published 8 April 2014
Last updated 2 April 2020 + show all updates
  1. Updated 'join' section to clarify that the RPA is only available to schools which are classified as being in the public sector.

  2. Added more details on how to join the RPA using DfE sign on, and links to buying for schools and school procurement guidance.

  3. Definition of buildings updated in 'Voluntary controlled schools: RPA membership rules' and 'Voluntary aided, foundation and foundation special schools: RPA membership rules'.

  4. Updated information on how to join the RPA.

  5. First published.