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Sports Club Insurance

Be on the ball with our comprehensive insurance for sports clubs

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Do you have a sports club insurance portfolio?

Our sports club insurance portfolios are able to cover the potential risks your club is subject to. We offer a wide range of insurance types, suitable for both clubs with permanent premises and those without. This range of cover types can be tailored into a comprehensive insurance portfolio that is unique to your needs.

Arranging insurance for your sports club is both financially recommended and legally required. One in four sports clubs will make a claim this year; make sure yours is protected against any eventuality.

WHY DO I NEED SPORTS CLUB INSURANCE?

Insurance will cover you if an incident or accident occurs at your sports club. If a customer or member of staff is involved in an accident, or if your property experiences damage, the policy will protect you from the financial impact these incidents could cause.

At Club Insure, our mission is to protect and advise the financial welfare of sports clubs. We offer a range of policies, designed to cover you across multiple fronts:

PUBLIC LIABILITY INSURANCE FOR SPORTS CLUBS

If a member of the public makes a claim because they suffered an injury due to your negligence, you could be facing a hefty claim. Legal fees and compensation pay-outs can be costly. Can your club survive a drawn-out legal battle? Make sure you have the cover and expertise on hand to deal with any and all possible contingencies.

EMPLOYERS' LIABILTY FOR SPORTS CLUBS

If you manage one or more employees or volunteers, it is a legal requirement to have employers’ liability insurance. This cover will protect you against claims made by a member of staff who has suffered from an injury or illness at work.

BUILDINGS AND CONTENTS INSURANCE FOR SPORTS CLUBS

Make sure your property and assets are covered against accidental damage, loss or theft. Damage relates to fire or flooding as well as accidental damage by members of the general public. Our comprehensive insurance policy will protect you against any damage to the full replacement and reinstatement value of your assets.

BUSINESS INTERRUPTION INSURANCE FOR CLUBS

In the event of an accident or incident that forces you to close your doors, you’ll need financial protection. We’ll cover you while you get back up and running.

ADDITIONAL INSURANCE TYPES FOR SPORTS CLUBS

Insurance types including management liability, loss recovery, cyber insurance, terrorism insurance can be added to your portfolio. We’ll work closely with you to tailor your policy, making sure you’re covered for eventualities.

If your policy does not have one of these covers,
contact us today for a free intensive check-up.

With an average claim amount of £5,700, most clubs cannot afford to not have sports club insurance. An even heftier claim, such as flood damage or loss of licence, could put your club out of business.

Can you afford to take the risk?

WHY WORK WITH A SPECIALIST SPORTS CLUB INSURANCE BROKER?

Club Insure know the sector inside out. We work with clubs to ensure they have the correct risk management solutions in places and are offered the best possible premium. When you work with us, you can rest assured that your sports club is covered by insurance suited to the protection you need.

Liability issues, licensing laws and regulatory changes continue to impact sports clubs. As a specialist broker, we have our finger on the pulse of the sector. We will be able to update you before changes happen to make sure you are fully protected.

Our in-house claims team and risk management specialists are here to provide additional help and reassurance, too. We’ll help you to control potential risks but, if the unexpected does happen and you need to make a claim, we’ll negotiate the process with you from start to finish.

EXCLUSIVE CLUB IN SURREY SAYS:

“Initially we were impressed with Club Insure’s approach. Kingsley was excellent, respectful of time and not too pushy. During his visitation, he was balanced in his opinion, gave straightforward advice, and ultimately we felt his time with us added value. Club Insure were very thorough and patient in their explanations, which are qualities we believe are very important when working with a broker. They didn’t over promise and under deliver; they gave us the honest truth.”

“Amy, our account handler is always accessible and excellent in her assistance. Whenever I call, Club Insure have been available and Kingsley makes sure to return my calls the same day. I would 100% recommend Club Insure to other clubs.”

STATISTICS ON SPORTS CLUB INSURANCE

  • One third of all sports injuries – of which there are 8.6 million in a year – occur on sports club premises.
  • 90% of athletes report sustaining a sports-related injury.
  • Clubs are liable for all injuries sustained on their premises.
  • 38% of claims made are because of theft or burglary.
  • 15% of claims made are weather-related
 

FAQs

Sports clubs need Commercial Combined Sports Club Insurance. This type of policy includes a range of covers including cover for personal accidents, third party damage, and slips and trips. It will also cover against fire, theft and flood.

All clubs, with or without a premises, need commercial combined sports club insurance. Discuss your insurance portfolio with Club Insure to ensure you are fully covered for every eventuality.

Clubs are liable for all injuries sustained on their premises. And if the injury is thought to be due to negligence, then a claim could be brought against you. Public liability will protect you against any financial repercussions and using Club Insure as your broker will provide you access to our expert claims team.

If your sports club is a football club, the FA rules that all club must have public liability and personal accident insurance. These insurance types cover the cost of legal action and compensation claims made against your business. Protecting your employees and volunteers is essential; as a business owner you are liable for any accidents or injuries that occur on your premises. Talk to us and provide us with information so we can tell you exactly what cover you require.

It should do, if the pitches or playing fields are within the ‘grounds’ of your sports club. There will be clarification of the extent of your cover in your policy wording. If you’re unsure, you can speak to your Club Insure account handler.

Your sports club will need cover all year round. The more important issue with seasonality isn’t reducing cover for off-season, but making sure that you have automatic increases during peak.

Some of our policies include automatic stock increase cover, or cover for extra cash stocks at the busiest times/events of the year. Check your policy wording or ask one of the Club Insure team for more information on these types of cover.

You’ll most likely need specialist cover for any sports players. You may even need member-on-member cover depending on the type of sport played at your club. Again, the best thing to do would be to discuss your needs with a Club Insure team member who can tailor your policy.

Club Insure Articles - Sports Clubs

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