Why do Clubs need Public Liability?

If the employees or volunteers at your sports and social club interact with the public in any way, you need public liability.

The number of claims has seen an increase in the UK over the most recent decade. 9.7 billion pounds worth of claims were paid out in 2019 for liability insurance in the UK, according to the most recent statistics.

Though public liability insurance is not a legal requirement in the UK, it is considered a necessity. Accidents are always possible if your club involves direct contact with third parties, especially if you frequently welcome visitors to your club. To protect you financially, it is vital you are prepared for the worst and have a comprehensive public liability policy in place.

What does public liability cover?

Claims covered by public liability are wide ranging. It covers most accidents or injuries a member of the public sustains while located at your premises. The damage you or your employees or volunteers cause to third party property is also covered by public liability. It also covers the legal fees and compensation payments that would be payable if your club is found liable. Cover can range from £1 million to 2 million and beyond.

Most common claims include:

Slips – a customer or guest attends your club and slips on wet floor, breaking a bone. If they are unable to work or compete, they will most likely claim against you. Public liability will protect you from financial losses.

Trips – a customer or guest catches themselves on a wire, plug or rope, and injures themselves. Public liability insurance will cover the costs if they were to claim.

Falls – a visitor falls down stairs after leaving their seat. They may claim against you for the time they have to take off work. Public liability will cover the legal fees alongside any other costs relating to the incident.

Damages – a member of your club accidentally smashes a nearby window or part of a third party’s property. Public liability will often be needed to cover the cost of damages.

How much is public liability insurance for clubs?

The cost of public liability insurance for clubs depends on a range of factors. According to our competitive insurers, the average price for public liability insurance is over £110 a year. However smaller companies and clubs can receive sub-£100 premiums. The price of a premium depends upon:

  • the industry your club is involved in
  • the nature of your club
  • the scale of your club
  • the location of your club
  • the number of guests your club welcomes on a weekly basis
  • …as well as other factors such as growth and history.

The best and most effective way to lower your premiums is to go through a broker. Brokers such as Club Insure understand the market and hold a good relationship with insurers. We will be able to design a tailored deal suited to your needs; one which only includes the cover you need, and none you don’t.

The only way to truly know how much your public liability will cost is by requesting a quote. Fill out a quote form here or talk over the phone for a free enquiry and to arrange a possible visitation.

What should clubs do when an incident occurs?

  • Do not accept liability
  • Provide first aid assistance
  • Clear up any spillages 
  • Photographs of the location and also the injuries of the injured person
  • Take statements from witnesses
  • Complete an accident book entry
  • Contact us or your insurer and inform on the likelihood of a possible claim

To contact us you can reach Club Insure at 0344 488 9204.


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