Sports Club Insurance for Football, Rugby, Cricket, Tennis, Hockey, Bowls, Multi-Sport Clubs and Community Sports Organisations

Sports Club Insurance can bring together cover relevant to a club's sporting activities, premises, equipment, employees, volunteers, events and wider operations, depending on the insurer and policy arranged.

Suitable amateur sports clubs can be referred to a specialist broker. Explain the sport, members, premises, equipment and wider activities.

Yes, suitable grassroots clubs may be considered, including small volunteer-run organisations and larger community clubs.

Suitable community sports clubs may be considered. The broker should understand the sports provided, members, premises, events and organisational structure.

Yes. Tell the broker about every sport and activity rather than only the largest section of the club.

Suitable football clubs may be considered, including grassroots, junior, adult and multi-team organisations.

Suitable rugby clubs may be considered, including clubs with grounds, clubhouses, bars and social activities.

Yes, suitable cricket clubs may be considered, including pavilions, machinery, equipment, bars and events.

Suitable tennis clubs may be considered, including clubs with courts, clubhouses, floodlights, coaching and online booking systems.

Yes, suitable hockey clubs may be considered, whether they own facilities or hire pitches.

Suitable bowls clubs may be considered, including clubs with greens, clubhouses, bars, kitchens and social functions.

Potentially. Tell the broker about training, competitions, facilities and membership arrangements.

Suitable running clubs may be considered depending on their activities, events and organisational structure.

Potentially. Cycling activities should be described accurately, including organised rides, events and any premises used.

Yes, suitable netball clubs may be considered, including junior and adult organisations.

Potentially. Tell the broker about teams, venues, training, competitions and any club property.

Suitable racket-sport clubs may be considered, including clubs operating from their own or hired premises.

Potentially. Tell the broker about membership, premises, equipment and events.

Potentially. The exact martial arts activities, instruction and premises should be fully disclosed.

Potentially. Specialist gymnastics activities and equipment should be described accurately to the broker.

Suitable swimming clubs may be considered depending on the activities and facilities involved.

Potentially. Tell the broker about boats, equipment, premises, members and activities.

Suitable sailing clubs may be considered by a specialist broker based on their activities, facilities, members and operating arrangements.

Potentially. Water-based activities should be described fully, including equipment and locations used.

Potentially. The broker should understand the activity, range arrangements, members and events.

Yes, suitable junior clubs may be considered. Tell the broker about age groups, coaching, volunteers and facilities.

Yes. The broker should understand the full age range and how the club is organised.

Suitable volunteer-run clubs may be considered. Explain the roles volunteers carry out and the wider club operation.

Potentially. Tell the broker about the club's structure, activities, premises and members.

Yes, suitable clubhouses may be considered as part of a wider Sports Club Insurance arrangement.

Potentially. The broker may need construction, age, rebuilding value, use and security information.

Suitable changing rooms and associated facilities may be considered as part of the club's premises.

Potentially. Tell the broker how the bar is operated and whether staff or volunteers run it.

Suitable kitchens and catering equipment may be considered where the club provides food or refreshments.

Potentially. Tell the broker how the room is used, including private hire and club events.

Yes, suitable offices and administrative areas may be included within the club's property arrangements.

Potentially. The exact arrangement depends on what the club owns, leases or is responsible for.

The club's responsibilities for pitches and playing areas should be disclosed as part of the overall premises risk.

Potentially. Tell the broker about court surfaces, floodlights and any associated buildings.

Suitable club property arrangements may consider greens and related facilities depending on the insurer and policy.

Car parks, access areas and paths may form part of the club premises and should be disclosed.

Yes, Tell the broker about stands, seating, terraces and other spectator facilities.

Public Liability can be relevant where allegations involve injury to visitors or damage to third-party property arising from insured club activities, subject to policy terms.

The club's liability exposure to spectators can be considered, subject to the policy and circumstances.

Yes. The broker should understand who regularly uses or visits the club premises.

Volunteer involvement should be disclosed so the broker can consider the club's responsibilities and appropriate insurance arrangements.

Employers' Liability is generally legally required for most UK businesses and organisations employing staff, subject to limited exemptions.

Yes. Tell the broker whether coaches are employees, self-employed, volunteers or supplied by another organisation.

Yes. The contractual relationship and activities should be described accurately.

Potentially. Tell the broker about volunteer coaching and the sports involved.

Yes. Clubs may use contractors for maintenance, catering, security, repairs, coaching and other services.

Potentially. Tell the broker about the type, value and storage of sports equipment.

Suitable sports equipment may be considered depending on the policy and circumstances.

Potentially. Tell the broker about specialist electronic or sporting equipment and its value.

Suitable kit and uniforms may be considered as club property, depending on the policy.

Potentially. Tell the broker about trophies and other valuable club contents.

Suitable groundskeeping and maintenance machinery may be considered under appropriate property arrangements.

Potentially. Tell the broker what machinery is owned, how it is used and where it is stored.

Suitable equipment may be considered where it forms part of the club's property.

Potentially. Tell the broker about the container, location, security and values stored inside.

Suitable business goods in self storage may be considered. Tell the broker what is stored, where and its value.

Potentially. Business Contents Insurance can be relevant to furniture, computers, bar equipment, kitchen equipment, sports equipment and other club property.

Where a club holds clothing, merchandise or other goods for sale, suitable Business Stock Insurance may be considered.

Potentially. Bar and catering stock should be disclosed

It can be relevant where substantial equipment, kit or merchandise is regularly transported between premises, matches or events.

Yes. Tell the broker about tournaments and competitions, particularly where they are larger than routine club activity.

Potentially. Open days should be described as part of the club's event activity.

Yes, suitable club presentation evenings and social functions may be considered.

Potentially. Tell the broker about regular fundraising and any substantial or unusual events.

Potentially. Private hire, weddings, parties and community functions should be disclosed.

Potentially. Commercial or private-event use of club premises should be described to the broker.

Yes, suitable catering activity may be considered. Explain whether the club or an external contractor provides the food.

Potentially. Tell the broker how the bar is operated and who is responsible.

Yes. Regular merchandise sales should be disclosed, particularly where stock is held or sold online.

Potentially. Tell the broker what is sold, where stock is kept and how online sales are managed.

Yes. Many clubs use digital systems for membership, renewals and communication.

Yes. Where digital payments are important to the club, Cyber Insurance may also be relevant.

Yes. Online booking systems can form an important part of the club's operation.

It can be relevant where a club relies on websites, member databases, online payments, booking systems, email or cloud software.

Website-related business risks may be considered through suitable digital or cyber arrangements

Yes, but clubs using digital membership systems should understand their cyber and data exposures.

Potentially. Clubhouses, pavilions, offices, stores and other buildings may be considered under appropriate commercial property arrangements.

Potentially. It may be relevant where an insured event affecting important premises or property interrupts the club's trading or operations.

Potentially. Tell the broker about every location, including clubhouses, grounds, offices, shops and storage.

Yes. Suitable clubs without their own premises may still require liability and other insurance arrangements.

Potentially. Tell the broker how responsibilities for buildings and facilities are divided.

Potentially. The broker should understand every sport and section so suitable arrangements can be considered.

It can be relevant where the club genuinely sells or supplies products or merchandise. It is not automatically central to every club.

Not usually as a standard requirement. It may become relevant where the organisation provides genuine professional advice or consultancy.

Potentially. Tell the broker about any regular use of school, council or third-party facilities and the responsibilities involved.

Yes. All regular locations should be disclosed.

Potentially. Tell the broker about coaching, outreach and community activities.

Potentially. These activities should be specifically disclosed because they can differ from routine club training.

Potentially. Tell the broker about the scale, age groups and nature of the events.

No. The broker should understand routine and unusual events so the appropriate arrangement can be considered.

No. Every significant sport and activity should be disclosed.

Useful information can include the sports provided, member numbers, age groups, teams, premises, rebuilding values, contents, equipment, machinery, employees, volunteers, coaches, bars, catering, events, private hire, online systems, storage and claims history.