Last reviewed on 28 January 2022
School types: Maintained, Special, Academy · School phases: All
Ref: 11300

The RPA is open to maintained schools and academies. It's an alternative to commercial insurance and managed by the DfE. Learn what it covers, how much it costs and how to join.

What is it?

The risk protection arrangement (RPA) is an alternative to commercial insurance for academy trusts and maintained schools. 

You can choose to opt in to the RPA. If you’re converting to an academy, the DfE signs you up for the RPA automatically, but you can opt out if you want to. 

Open to maintained schools since April 2020

Previously, the RPA was only available to academy trusts. This was changed, and maintained schools have had access to the RPA since April 2020.

Check your local authority's (LA) scheme for financing schools, to see if funds for insurance have been delegated to you and if any rules are attached to how you spend these Keep in mind that the RPA may not cover everything you need to cover in your school. Speak to your LA directly about this to see if additional cover would be